It is difficult and risky to navigate the extensive network of Los Angeles County roads. According to the California Highway Patrol, nearly 4,000 people died in California auto accidents in 2017, the last year for data. In the same year, 1000 people were hurt and 10 died on Santa Clarita’s roads and highways.
Santa Clarita car owners pay an annual average auto insurance premium that is $876 for minimum coverage, and $2253 for complete coverage. Santa Clarita car insurance is costly. However, price is only one factor that you should consider when looking for a policy. We looked at the market to find a few carriers who offer great discounts, great customer service, and the financial strength necessary to pay their claims obligations.
Santa Clarita’s best car insurance companies
Low premiums are an important factor for most auto insurance customers. However, there are other important factors. Bankrate selected the top Santa Clarita car insurers based on financial strength, customer service, standard or optional coverages, and discounts programs. Quadrant Information Services provided average annual rates for minimum and full coverage.
Wawanesa
J.D. J.D. According to Bankrate’s research, Santa Clarita’s provider’s car insurance rates are among the lowest five in the country.
Wawanesa provides all the necessary auto insurance coverages. There are also great optional coverages like rental car reimbursement. There are three plans that will reimburse you for your rental car, with a range of $900 to $1,500 per covered incident. You can also get a variety of discounts from the provider, such as up 22% loyalty discount to California Coast Credit Union members.
State Farm
State Farm provides exceptional standard auto insurance coverages and a few additional options. Optional roadside assistance coverage from State Farm covers a variety of breakdown expenses including towing, gas delivery, mechanical labor and lockout service.
State Farm’s Steer Clear program helps young drivers to improve their skills. Participants who successfully complete the course receive a discount. The Steer Clear mobile app allows drivers to view videos, quizzes, and learn lessons. Participants must drive for five hours in a minimum of 10 trips to earn certification. Students in high school or college can get a 25% discount on their car insurance if they earn good grades.
Geico
Geico has great rates and offers a wide range of standard coverages as well as a few additional options. Geico’s mechanical breakdown insurance is a rare offering. It covers all labor and parts, with the exception of general maintenance and replacements due to wear and tear. Geico covers vehicles with less than 15,000 km and older than 15 months. Mechanical breakdown coverage includes a $250 deductible and can be renewed for up to 100,000 miles, or seven years, depending on when it is first taken effect.
Geico also offers a wide variety of discounts. If your vehicle is equipped with anti-theft systems or air bags, you can get a discount of up to 23% and 25% respectively. Geico offers a 15% discount for military personnel and a 25% discount when they are deployed in an emergency.
Progressive
Progressive auto insurance customers can save money before they even buy a policy. Online quote tools allow customers to compare Progressive’s rates with other carriers. Progressive’s Name your Price tool lets you enter the amount that you can afford for car insurance, and then see all available coverage options.
Progressive offers optional gap insurance in addition to the standard coverages. Gap insurance pays the difference between your insurance settlement and what you owe to a lender if your vehicle is damaged in an accident. This provider offers coverage for custom parts and equipment, up to $5,000, that covers customized gear like wheels, stereos, and navigation systems.
Santa Clarita has the lowest car insurance
California drivers pay an annual average auto insurance premium around $2,065, which is significantly higher than the national average of $1,674. Santa Clarita drivers pay higher average rates: $2,253 for full coverage, and $876 for minimal coverage. Bankrate discovered that there are many insurers who offer annual rates well below the average for the city.
These providers all have an AM Best rating of financial strength at “A” or higher. J.D. rated AAA, Geico, and State Farm higher than the industry average. Power’s 2020 U.S. Auto Insurance Satisfaction Study ranked Mercury below average, and Travelers didn’t make it to the California region.
Four of the five carriers offer usage-based programs. State Farm offers young drivers only the Steer Clear program. All these insurers offer savings options, including driver training, student discounts, and multi-vehicle discounts. Providers offer different discounts.
Santa Clarita insurance requirements
California law requires automobile owners to have certain minimum amounts of car insurance . These include:
- $15,000 bodily injury coverage per accident for one person
- $30,000 per accident in bodily injury liability coverage to cover multiple victims
- $5,000 per accident in property damage liability coverage
Keep in mind, however, that even minimum coverage won’t provide sufficient protection against serious accidents. Financial experts recommend that you have higher liability limits than the minimum to protect your assets.
California law doesn’t require you to have collision or comprehensive automobile insurance. However, if you lease an automobile or finance it, lenders or leasing companies most likely will.
Santa Clarita car insurance discounts
Santa Clarita car-owners have many options to reduce their auto insurance premiums.
- Driver training course discounts
- Good driver discounts
- Good student discounts
- Multi-policy Discounts
- Multi-vehicle discounts
When you are looking for car insurance, make sure to find a provider who offers discounts for those that you qualify. While discount programs are different for each insurer, some programs can significantly reduce your annual premium. State Farm, for example, offers a 20% discount if you insure more vehicles than one, and AAA provides a 27% discount if you insure multiple vehicles. Geico offers a 22% discount for good drivers, while students with high grades can get a 25% discount on their State Farm auto insurance policies.
Questions frequently asked
Which is the best auto insurance company?
Auto insurance buying is subjective. To save money, you will need to find a provider that provides the coverages you want. Find the provider with the best combination in coverages, customer service, discounts, financial strength, and low rates.
What is the cost of Santa Clarita car insurance?
Quadrant Information Services research shows that Santa Clarita drivers pay an average annual premium of $876 to insure their vehicle. Full coverage costs $2,253. These average annual rates don’t necessarily reflect the cost of car insurance. Rates are determined by many factors such as your driving record, age, and location. They also consider the type and level of coverage you choose.
Santa Clarita: How much do I need car insurance?
California law requires that you have minimum liability auto insurance coverages. But state-mandated minimum coverages do not adequately protect your assets. Purchase coverages that cover bodily injury liability, personal property liability, and minimum $100,000 to $300,000. This will give you the best protection. You will need collision and comprehensive coverages if you finance or lease a vehicle.