Cheap Car Insurance in Santa Cruz, California (With 2024 Rates)

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Auto Insurance Requirements in California

By law, the state requires a minimum of 15/30/5 for auto insurance as explained below:

  • $15,000 coverage for all types of bodily injury suffered by one individual in one accident
  • Bodily injury suffered by two or more people is $30,000. The amount is the same for deaths of two or more people caused by one accident
  • $5,000 for damage to the property of other people.
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Car Insurance Companies in California and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Progressive Insurance. But the major players are State Farm, Allstate and Farmers insurance in order.

Company Annual premium (50/100/50) Market share Complaints
Geico $313 3.9826% ($566,768,855) 66
Progressive $533 1.0974% ($156,172,025) 36
Allstate $544 7.5870% ($1,079,711,625) 50
Nationwide $693 0.6784% ($96,539,693) 9
Farmers $723 6.0130% ($855,712,148 ) 32
State Farm $746 14.1983% ($2,020,561,254) 50

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Insurance Agents in Santa Cruz, CA and Near by

  • 0 mi
    Doug Banks
    303 Potrero St Ste 108, Santa Cruz, CA 95060
    (831) 460-0700
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    Alese Greene
    630 Water St, Santa Cruz, CA 95060
    (831) 426-2500
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  • 0 mi
    Fred Velez
    630 Water St, Santa Cruz, CA 95060
    (831) 438-0404
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  • 0 mi
    Steelbridge Insurance Services
    125 Mission St Ste 3, Santa Cruz, CA 95060
    (831) 425-6640
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  • 0 mi
    Michael Baxter
    730 Mission St Ste 201, Santa Cruz, CA 95060
    (831) 427-0900
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  • 0 mi
    Robert Varich
    1200 Pacific Ave Ste 265, Santa Cruz, CA 95060
    (831) 459-0500
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  • 0 mi
    ANB Insurance Services
    931 Mission St, Santa Cruz, CA 95060
    (831) 423-4304
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  • 0 mi
    Bedell & Nelson/Harbert Insurance
    2035 N Pacific Ave, Santa Cruz, CA 95060
    (831) 621-5335
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  • 0 mi
    Clarion Pacific Insurance Services
    2035 N Pacific Ave, Santa Cruz, CA 95060
    (831) 337-4661
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  • 0 mi
    Aleene Althouse
    1215 Mission St, Santa Cruz, CA 95060
    (831) 420-1555
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  • 0 mi
    D & R Insurance Services
    303 Water St Ste 160, Santa Cruz, CA 95060
    (831) 427-3272
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  • 0 mi
    Mark Battey
    410 Ocean St, Santa Cruz, CA 95060
    (831) 423-7163
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  • 0 mi
    Russell Holcomb
    2301 Mission St Ste A, Santa Cruz, CA 95060
    (831) 426-7353
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  • 8.36 mi
    Mike McCauley
    1044 41st Ave, Santa Cruz, CA 95062
    (831) 476-6665
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  • 8.36 mi
    Prinz Insurance Services
    9035 Soquel Ave Ste 105, Santa Cruz, CA 95062
    (831) 475-4091
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  • 8.36 mi
    Skip Leonard
    1101 Water St, Santa Cruz, CA 95062
    (831) 429-2700
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  • 8.36 mi
    DCD Insurance & Financial Services
    1123 Soquel Ave, Santa Cruz, CA 95062
    (831) 423-8542
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  • 8.36 mi
    Matthew O'brien
    1722 Seabright Ave, Santa Cruz, CA 95062
    (831) 429-9595
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  • 8.36 mi
    Shockley Insurance Solutions
    519 Seabright Ave Ste 213, Santa Cruz, CA 95062
    (831) 600-8755
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  • 8.36 mi
    Damon Cart
    2222 E Cliff Dr Ste 200, Santa Cruz, CA 95062
    (831) 427-4100
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  • 8.36 mi
    Chris Buich
    2222 E Cliff Dr Ste 200, Santa Cruz, CA 95062
    (831) 464-4300
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Learn More About Car Insurance in Santa Cruz, CA

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.