Santa Rosa – Petaluma, CA Car Insurance Costs
Santa Rosa and Petaluma are neighboring cities located in Sonoma County, California, renowned for their scenic beauty, rich history, and vibrant communities.
Santa Rosa, the largest city in Sonoma County, offers a delightful mix of urban amenities and natural splendor. The city is surrounded by rolling hills, vineyards, and the stunning landscapes of the Russian River Valley and the Sonoma Coast that drivers can enjoy.
Both cities offer quite a few different options from local car insurance providers when looking for the best cheap auto insurance coverage. We will break down the costs of car insurance rates on different policy options for the two cities throughout this guide.
- On average you can expect to pay $79 monthly or $956 yearly for state minimum liability coverage and $278 monthly or $3,334 yearly for a full coverage auto policy in Visalia and Porterville area.
- InsuranceQuotes rates are pulled from our real-time auto insurance cost database from multiple drivers and quotes – it is based on a used car driver who is single, middle aged and has a clean driving record with no prior violations.
Which Provider Has the Cheapest Auto Insurance in Santa Rosa, CA?
In Santa Rosa & Petaluma, CA on average the cheapest auto insurance provider is GEICO and TripleA – AAA. State minimum coverage starts at $46 monthly or $551 a year – Full coverage would cost $189 a month or $2,274 a year. Here is a breakdown of average costs from the cheapest providers for a used car driver who is single, middle aged and has a clean driving record:
| Insurance Provider: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| GEICO | $551 | $46 | $2,274 | $189 |
| AAA | $794 | $66 | $3,204 | $267 |
| State Farm | $1,048 | $87 | $3,583 | $299 |
| Allstate | $1,185 | $99 | $3,920 | $327 |
| Interinsurance Exchange | $1,201 | $100 | $3,690 | $308 |
California Insurance Costs for Different Used Vehicle Types:
To determine how much you can expect to pay for your insurance based on vehicle type we averaged multiple cost quotes in CA and pulled data for used vehicles such as a BMW 4 Series, Chevy Bolt, Honda CRV, Nissan Titan, and a Toyota Camry.
| Vehicle Type: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Luxury Coupe | $899 | $75 | $5,114 | $426 |
| Hybrid Electric | $963 | $80 | $3,688 | $307 |
| SUV | $963 | $80 | $2,983 | $249 |
| Truck | $1,075 | $90 | $4,061 | $338 |
| Car (4door) | $979 | $82 | $3,501 | $292 |
California Insurance Costs for New Cars
We pulled cost data for new 2022-2023 vehicles as well to give you an idea of the difference in rates for newer cars vs. a used vehicle.
| Vehicle Type: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Car (4door) | $980 | $82 | $4,277 | $356 |
| Hybrid Electric | $989 | $82 | $4,567 | $381 |
| Luxury Coupe | $968 | $81 | $6,434 | $536 |
| SUV | $1,018 | $85 | $3,607 | $301 |
| Truck | $1,110 | $93 | $4,885 | $407 |
Car Insurance Requirements in CA
In California cities the minimum coverage for car insurance and liability insurance required is:
- $15,000 for injury/death to one person
- $30,000 for injury/death to more than one person
- $5,000 for damage to property
How Does Age Affect Your Auto Policy Rates in California?
In California, age is a significant factor that influences car insurance costs. Generally, younger drivers tend to face higher insurance premiums compared to older, more experienced drivers. This is primarily because statistics show that younger drivers, particularly teenagers and individuals in their early twenties, are more likely to be involved in accidents due to their limited driving experience and higher risk-taking behavior on the road.
Insurance companies in California consider younger drivers as higher-risk customers, leading to higher premiums to compensate for the increased likelihood of claims. As drivers gain more experience and develop safer driving habits over time, their insurance rates generally decrease.
Here is a breakdown of the average costs for car insurance based on age in California:
| Age: | State Minimum: | Monthly: | Full Coverage: | Monthly Cost: |
|---|---|---|---|---|
| 17 | $2,605 | $217 | $8,215 | $685 |
| 18 | $2,338 | $195 | $7,690 | $641 |
| 20 | $1,645 | $137 | $5,770 | $481 |
| 22 | $1,341 | $112 | $4,817 | $401 |
| 24 | $1,234 | $103 | $4,472 | $373 |
| 29 | $1,044 | $87 | $3,797 | $316 |
| 34 | $1,003 | $84 | $3,652 | $304 |
| 39 | $998 | $83 | $3,579 | $298 |
| 44 | $991 | $83 | $3,517 | $293 |
| 49 | $967 | $81 | $3,421 | $285 |
| 54 | $967 | $81 | $3,384 | $282 |
| 64 | $945 | $79 | $3,189 | $266 |
| 74 | $1,112 | $93 | $3,489 | $291 |
| 76 | $1,201 | $100 | $3,659 | $305 |
Compare Rates from Other CA Cities
In California your auto insurance quote rates will vary depending on which city you live in. Insurance providers often have higher policy rates in heavily populated cities like Los Angeles and cheaper rates for residents in more rural densely populated cities. Here is a breakdown of costs for all cities in California for state minimum and full coverage:
| CA City: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Alhambra | $1,312 | $109 | $5,319 | $443 |
| Anaheim | $1,123 | $94 | $4,603 | $384 |
| Arden-Arcade | $1,174 | $98 | $4,516 | $376 |
| Bakersfield | $982 | $82 | $4,314 | $359 |
| Berkeley | $977 | $81 | $4,200 | $350 |
| Burbank | $1,327 | $111 | $5,301 | $442 |
| Carlsbad | $959 | $80 | $4,076 | $340 |
| Carson | $1,128 | $94 | $4,789 | $399 |
| Casa de Oro-Mount Helix | $974 | $81 | $4,132 | $344 |
| Chico | $887 | $74 | $3,698 | $308 |
