For a 40-year-old driver with a clean record, Santa Clarita car insurance averages about $344 a month ($4,122 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 4% above the California average of $332 a month. GEICO has the lowest full-coverage average of the five major insurers we compared (Allstate, Auto Club of Southern California, Farmers, GEICO and State Farm), at about $207 a month.
Santa Clarita, in northern Los Angeles County, costs far less than the city of Los Angeles for our benchmark driver: about $132 a month less, and $76 less than the Los Angeles County average. It’s still about $12 a month above the statewide average on our California car insurance rates page.
Our data covers the two ZIP codes with a Santa Clarita mailing address, 91390 at about $340 a month and 91350 at $347. Other parts of the city have their own mailing names: Valencia averages about $346 a month, Newhall $358 and Canyon Country $364.
Cost data comes from the auto rates insurers file with state regulators, priced across both Santa Clarita ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Santa Clarita, CA?
Full coverage in Santa Clarita averages $4,122 a year, or about $344 a month, for our benchmark driver. Liability-only coverage at 15/30/5 limits averages $1,642 a year ($137 a month), and 50/100/50 liability with comprehensive and collision averages $3,794 ($316 a month).
- Full coverage (100/300/100, $500 deductibles): $4,122 a year ($344 a month)
- 50/100/50 with $500 deductibles: $3,794 a year ($316 a month)
- Liability only (15/30/5): $1,642 a year ($137 a month)
- Los Angeles County: $5,042 a year ($420 a month) for full coverage
- California average: $3,979 a year ($332 a month) for full coverage
- ZIP code range: $340 (91390) to $347 (91350) a month for full coverage
Cheap Car Insurance in Santa Clarita: Companies Compared
- Lowest average in our data, full coverage: GEICO, at about $207 a month ($2,479 a year).
- Next lowest among the five major insurers we compared: Auto Club of Southern California, at about $301 a month, then State Farm at $329.
- Liability only (15/30/5): about $63 to $184 a month across the five insurers.
- Also on our list: USAA at about $218 a month, Mercury at $250, Progressive at $256, Travelers at $340 and Nationwide at $353 (USAA sells only to military families).
- Most expensive in our data: Farmers, at about $452 a month, $2,950 a year more than GEICO for the same driver and car.
GEICO has the lowest full-coverage average among the five insurers in our Santa Clarita rate data. Five of the eight published 2026 statewide California rate studies we reviewed also rank GEICO cheapest for full coverage, apart from USAA, which sells only to military families, and a sixth ties GEICO with Progressive. That’s why we name GEICO, though its lead in our data is wider than in those studies. For liability-only coverage at 15/30/5 limits, averages run from about $63 to $184 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Santa Clarita
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/5 (Yearly): | Liability Only 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $752 | $63 | $2,479 | $207 |
| Auto Club of Southern California | $1,326 | $111 | $3,612 | $301 |
| State Farm | $1,737 | $145 | $3,948 | $329 |
| Allstate | $2,187 | $182 | $5,145 | $429 |
| Farmers | $2,208 | $184 | $5,429 | $452 |
| USAA (military families)* | $1,120 | $93 | $2,613 | $218 |
| Mercury Insurance* | $1,367 | $114 | $2,995 | $250 |
| Progressive* | $1,220 | $102 | $3,067 | $256 |
| Travelers* | $1,984 | $165 | $4,079 | $340 |
| Nationwide* | $1,851 | $154 | $4,233 | $353 |
| Santa Clarita average | $1,642 | $137 | $4,122 | $344 |
This table uses Santa Clarita ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Your ZIP code matters
How Much More Does Better Coverage Cost in Santa Clarita?
Raising liability limits from 50/100/50 to 100/300/100 adds about $328 a year on average in our Santa Clarita data, with the same $500 deductibles. That’s about $27 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Is Car Insurance Going Up in Santa Clarita?
For our benchmark driver, full coverage isn’t going up. Comparing the four insurers that are in both sets of rates, in the same Santa Clarita ZIP codes, their full-coverage average fell from $3,899 a year nine months earlier to $3,796 in rates as of Aug. 31, 2026, a 2.6% drop. State Farm cut its Santa Clarita average 9.4%, while Allstate’s, Auto Club of Southern California’s and GEICO’s averages were unchanged. Farmers is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Santa Clarita average above. Liability-only coverage at 15/30/5 limits rose 6.2%, led by State Farm, which raised its liability-only average 25.1%.
What Shapes Car Insurance Costs in Santa Clarita
Los Angeles County averages about $420 a month for full coverage, the most expensive of the 55 California counties we price, but Santa Clarita is one of its less expensive places: only 16 of the 120 Los Angeles County cities and towns we price cost less.
Unincorporated communities nearby are priced close to the city: Castaic averages about $342 a month and Stevenson Ranch $363. In the Antelope Valley, to the northeast, Palmdale averages $382 and Lancaster $373. Where you live is one of the factors California insurers use, so neighboring cities can be priced differently.
How Santa Clarita Car Insurance Compares With Other California Cities
More California cities and towns are in the California rates by city table, and you can compare states on our car insurance rates by state page.
Los Angeles, about 30 miles southeast, averages $476 a month. Our Oxnard–Thousand Oaks–Ventura guide, which covers Ventura County to the west, averages $317, and Bakersfield, about 70 miles northwest, $324.
What Car Insurance Is Required in Santa Clarita?
Drivers in Santa Clarita follow California’s rules. The minimum rose for policies issued or renewed on or after Jan. 1, 2025, and every policy must now carry at least:
- Bodily injury liability of $30,000 per person and $60,000 per crash
- Property damage liability of $15,000 per crash
Our California requirements guide covers uninsured motorist coverage, proof of insurance and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Santa Clarita
- Compare GEICO and Auto Club of Southern California first. They have the two lowest full-coverage averages among the five major insurers we compared in Santa Clarita, about $207 and $301 a month.
- Quote several insurers. In our Santa Clarita data, the lowest and highest insurer averages are about $245 a month apart for the same driver and car.
- Keep proof of insurance handy. California drivers must carry proof of insurance in the car and show it when a police officer asks, according to the DMV, and A.B. 1708 lets you show it on your phone. Not showing proof carries a $200 base fine, about $896 with penalty assessments, though the ticket is dismissed if you prove you were insured.
- Compare at every renewal. Over the past nine months, State Farm has cut its Santa Clarita average 9.4%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
- Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in California, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.
Ready to compare
How We Calculated Santa Clarita Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 10 full-coverage premiums from five insurers across two Santa Clarita ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 15/30/5 limits, with 15/30 uninsured motorist coverage and no comprehensive or collision. California’s minimum has been 30/60/15 since Jan. 1, 2025, so our liability-only prices use lower limits than the law requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. In Santa Clarita, GEICO’s full-coverage average is 31% below Auto Club of Southern California’s, a wider lead than that, but we name GEICO because most of the published 2026 statewide California rate studies we reviewed also rank it cheapest. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Farmers is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other four insurers, Allstate, Auto Club of Southern California, GEICO and State Farm, are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 California rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from California law and the California Department of Insurance. We refresh these figures when new rate data is released.
Santa Clarita Car Insurance FAQ
For our benchmark driver, full coverage in Santa Clarita averages about $344 a month ($4,122 a year) and liability-only coverage at 15/30/5 limits about $137 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 4% above the California average of $332 a month.
GEICO has the lowest full-coverage average in our Santa Clarita rate data, at about $207 a month, followed by Auto Club of Southern California at $301 among the five major insurers we compared. For liability-only coverage at 15/30/5 limits, averages run from about $63 to $184 a month. Five of the eight published 2026 statewide California rate studies we reviewed also rank GEICO cheapest for full coverage, apart from USAA, and a sixth ties GEICO with Progressive. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Santa Clarita full coverage averages about $344 a month and Los Angeles about $476, a difference of about $132 a month for the same driver and car. Santa Clarita is also about $76 a month below the Los Angeles County average of $420.
Of the two Santa Clarita ZIP codes and the city’s neighborhoods with their own mailing names, Santa Clarita’s 91390 has the lowest full-coverage average in our data, about $340 a month, followed by Valencia at $346 and 91350 at $347. Newhall averages $358 and Canyon Country, the most expensive of them, $364. Nearby, outside the city, Castaic averages $342 and Stevenson Ranch $363.
In our Santa Clarita data, full coverage (100/300/100 with $500 deductibles) averages about $344 a month and liability-only coverage at 15/30/5 limits about $137, a difference of about $207 a month ($2,480 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. California law doesn’t require full coverage, but a lender or leasing company may.
Not for full coverage, for our benchmark driver. Comparing the four insurers in both sets of rates (Farmers is new over the past nine months), their Santa Clarita full-coverage average fell 2.6%, from about $3,899 to $3,796 a year. That’s lower than the Santa Clarita average of $4,122 because it leaves out Farmers. State Farm cut its Santa Clarita average 9.4%. Liability-only coverage at 15/30/5 limits rose 6.2%.
For our benchmark driver, full coverage in Santa Clarita averages about $344 a month. Nearby, Los Angeles averages about $476, Oxnard–Thousand Oaks–Ventura about $317 and Long Beach about $358. Oxnard–Thousand Oaks–Ventura is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
