Best cheap car insurance in Santa Clarita for 2021


Navigating Los Angeles County’s vast road network is a never-ending challenge and comes with risks. In 2017, the latest year for which data are available, more than 277,000 people were injured and nearly 4,000 people lost their lives in traffic accidents in California, according to the California Highway Patrol. The same year, 1,000 people were injured and 10 people died on the roads and highways of Santa Clarita.

Santa Clarita auto owners pay an average annual auto insurance premium of $ 876 for minimum coverage and $ 2,253 for full coverage. Insuring a car in Santa Clarita is expensive, but price isn’t the only factor to consider when purchasing a policy. We researched the market and found a few carriers that offer a good selection of coverage, great discounts, great customer service, and the financial strength to meet their claims obligations.

Best Car Insurance Companies in Santa Clarita

While low premiums are important to most auto insurance buyers, other factors are just as important. Bankrate selected its top five auto insurance providers in Santa Clarita based on their financial strength, customer service, standard and optional coverage, and discount programs. We also took into account the average annual rates, provided by Quadrant Information Services, for minimum and full coverage auto insurance.

Insurance company JD Power Score Average annual premium for minimum coverage Average annual premium for full coverage
Wawanesa 853/1000 $ 770 $ 1,754
State farm 836/1000 $ 813 $ 2,152
Geico 828/1000 $ 637 $ 1,730
Progressive 823/1000 $ 844 $ 2,114

Wawanesa

In JD Power’s 2020 US Auto Insurance Satisfaction Survey, Wawanesa took # 1, with an overall Customer Satisfaction Index of 853 out of 1,000. And, based on Bankrate’s research, the provider’s auto insurance rates rank in the top five in Santa Clarita.

Wawanesa offers all the standard auto insurance coverage you need, as well as some great optional coverage, including rental car reimbursement. You can choose from three rental car reimbursement plans, which pay between $ 900 and $ 1,500 per covered loss. The supplier is also extending a range of attractive discounts, including up to 22% loyalty discount for members of the California Coast Credit Union.

State farm

State Farm offers exceptional standard auto insurance coverage, as well as a few add-ons. The insurer’s optional roadside assistance coverage pays for a wide range of breakdown costs, including gasoline delivery, locksmith lockout service, mechanical labor, tire changes and more. towing.

State Farm’s Steer Clear Program helps young drivers improve their skills, while giving a discount to participants who complete the courses. Drivers who register for the program can view training videos, take quizzes and review lessons using the Steer Clear mobile app. To achieve certification, participants must complete five hours of driving, in 10 or more trips. High school and college students under the age of 25 can also earn up to 25% off auto insurance if they get good grades.

Geico

Geico offers great rates and a full selection of standard coverages, as well as some optional coverages. The insurer’s mechanical breakdown insurance, which few providers offer, covers all parts and labor costs, with the exception of general maintenance and replacement of parts due to the ‘wear. Geico provides coverage for vehicles that have less than 15,000 miles on the odometer and are less than 15 months old. Mechanical breakdown coverage includes a deductible of $ 250 for each covered loss and is renewable for up to 100,000 miles or seven years, whichever occurs first.

Geico also extends a wide range of discounts. You can earn up to 23% off if your car is equipped with airbags or an anti-theft system and up to 25% off if you insure more than one vehicle. Geico is also offering a 15% reduction to military personnel and up to an additional 25% reduction when on emergency deployment.

Progressive

With Progressive, auto insurance buyers can save money before they even buy a policy. The supplier’s online quotation tool allows buyers to compare Progressive’s rates with those of other operators. Progressive Name your price tool allows you to enter the amount you can afford to pay for auto insurance and see the coverage options available.

In addition to a full line of standard coverages, Progressive also offers optional supplemental insurance. If your financed vehicle is recorded as a covered loss, gap insurance pays the difference between the insurance settlement and the amount you still owe a lender. The provider also offers custom parts and equipment coverage, which pays up to $ 5,000 for custom equipment such as navigation systems, stereos, and wheels.

Cheapest car insurance in Santa Clarita

California drivers pay an average annual auto insurance premium of about $ 2,065, much higher than the national average of $ 1,674. Unfortunately, motorists in Santa Clarita pay even higher average rates, around $ 2,253 per year for full coverage and $ 876 for minimum coverage. But Bankrate has found several insurers that offer average annual rates well below the city average.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
AAA $ 636 $ 1,909
Geico $ 637 $ 1,730
Mercury $ 691 $ 1,674
Travelers $ 800 $ 1,897
State farm $ 813 $ 2,152

All five of these vendors have achieved an “A” or better AM Best rating for financial strength. AAA, Geico, and State Farm scored above the industry average in JD Power’s 2020 U.S. Auto Insurance Satisfaction Survey, while Mercury scored below average and travelers did not make the reduction in the California area.

Four of those five carriers offer usage-based insurance programs, while State Farm only offers California customers the Steer Clear program for young drivers. And all of these insurers give you ways to save money, including driver training, a good driver, a good student, and multi-vehicle discounts. Discounts vary by provider.

Santa Clarita Insurance Requirements

California law requires all automobile owners to minimum automobile insurance amounts, comprising:

  • $ 15,000 in bodily injury liability insurance for personal injury, per accident
  • $ 30,000 in bodily injury liability insurance for injuries to more than one person, per accident
  • $ 5,000 in civil liability for property damage, per accident

But keep in mind that minimal coverage will not provide adequate protection in the event of a serious accident. To protect your assets, financial experts recommend carrying limits of liability higher than the minimum requirements.

California law doesn’t require you to purchase collision insurance or comprehensive auto insurance, but if you lease or finance an automobile, the lender or leasing company likely will.

Auto Insurance Discounts in Santa Clarita

Insurers offer Santa Clarita car owners many ways to lower their auto insurance premiums, including:

  • Discounts on driver training courses
  • Good discounts for drivers
  • Good student discounts
  • Multi-policy discounts
  • Multi-vehicle discounts

When shopping for auto insurance, look for a provider that offers discounts that you qualify for. Discount programs vary by insurer, but some programs can significantly reduce your annual premium. For example, State Farm offers up to 20% off when you insure more than one vehicle, while AAA extends multi-vehicle up to 27% off. Good drivers can earn up to 22% off with Geico, and students who achieve good grades can get up to 25% off when they purchase a State Farm auto insurance policy.

Frequently Asked Questions

What is the best auto insurance company?

Buying auto insurance is subjective. You’ll want to look for a provider that offers the coverage you need as well as the best discounts available to help save you money. Look for a provider that offers the best combination of coverage, customer support, discounts, financial strength, and low rates.

How much does auto insurance cost in Santa Clarita?

Based on research conducted by Quadrant Information Services, motorists in Santa Clarita pay an average annual auto insurance premium of $ 876 for minimum coverage and $ 2,253 for full coverage. But these average annual rates don’t necessarily reflect how much you’ll pay for auto insurance. Insurers set rates based on several factors, including your age, driving history, location, type of car you drive, and types and levels of coverage.

How much car insurance do I need in Santa Clarita?

California law requires you to purchase minimum levels of auto liability insurance coverage. But the minimum coverage imposed by the state does not adequately protect your assets. For better protection, purchase at least $ 100,000 to $ 300,000 in liability insurance for bodily injury and personal injury. If you finance or lease a car, you will also need to purchase collision and comprehensive coverage.

Methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record , good credit and the following. coverage limits:

  • $ 100,000 of civil liability per person
  • Civil liability of $ 300,000 per accident
  • Liability for property damage of $ 50,000 per accident
  • $ 100,000 of uninsured bodily injury by a motorist per person
  • $ 300,000 in uninsured bodily injury by a motorist per accident
  • $ 500 collision deductible
  • Full $ 500 deductible

To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our sample drivers own a 2019 Toyota Camry, commute five days a week, and drive 12,000 miles a year.

These are sample rates and should only be used for comparison purposes. Your quotes may be different.



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