Overview of Auto Insurance in Santa Barbara

With a highly educated population, a lot of residents in Santa Barbara can enjoy college degree discounts offered by many insurance companies. Due to prop 103, California is one of the few states where credit scores cannot be used as an insurance rating factor. So residents in Santa Barbara won't have to worry about poor credit history when shopping for insurance.

For a male driver living in Santa Barbara, if he has 5 years of driving "experience with a clean driving record, and drives a Honda Accord for about 13,000 miles per year, here are the auto insurance premiums charged by the insurance companies before any discount is applied. As you can see, the range is pretty wide. This premium info is updated on Feb, 2019.

Average Auto Insurance Premiums in Santa Barbara

Here is the raw data of each insurance company's average premium. Click on each insurance company to see the discounts offered.

Carrier Price
21st Century $3,406
AAA $2,874
Alliance United $2,230
Allstate $4,380
Amica Mutual $2,460
Anchor General $5,510
Bankers Standard $2,302
CSE Safeguard $2,566
California Capital $2,120
California Casualty $2,022
Coast National $7,713
Encompass $2,840
Esurance $2,757
Everest National $625
Farmers $4,766
Federal Ins (CHUBB) $3,821
Financial Indemnity $3,839
Geico $2,304
Hartford $4,144
Horace Mann $1,588
Horace Mann Prop and Cas $1,699
IDS $3,482
Infinity $6,308
Kemper $3,405
Liberty Mutual $4,825
MAPFRE $3,728
Mercury $3,244
Metromile $2,584
Metropolitan Direct $2,502
National General/Integon $5,625
Nations Ins. Co. $2,831
Nationwide $4,366
Pacific Property & Casualty $3,072
Permanent General $2,901
Progressive West $3,860
Safeco $3,145
Safeway $4,500
State Farm $3,992
Traveler's Commercial $3,374
USAA $2,118
Progressive $4,368
Viking $6,867
Wawanesa $2,020
Western General $3,335

As you can see, the prices vary quite a lot in Santa Barbara. If you're wondering what's the best option for you, click here to get free insurance quotes today.

Santa Barbara Local Agents

If you would like to call agents for insurance quotes, below is a list of local agents in Santa Barbara.

5266 Hollister Ave Ste 225, Santa Barbara, CA 93111
2263 Las Positas Rd, Santa Barbara, CA 93105
23 Hitchcock Way Ste 107, Santa Barbara, CA 93105
1033 Santa Barbara St, Santa Barbara, CA 93101
1236 Coast Village Cir Ste D, Santa Barbara, CA 93108
1215 De La Vina St, Santa Barbara, CA 93101
502 N Milpas St, Santa Barbara, CA 93103
1220 Santa Barbara St, Santa Barbara, CA 93101
1433 State St, Santa Barbara, CA 93101
403 E Montecito St #2a, Santa Barbara, CA 93101
3425 State St, Santa Barbara, CA 93105
Hollister Insurance
5276 Hollister Ave, Santa Barbara, CA 93111
211 E Carrillo St #201, Santa Barbara, CA 93101
610 N Milpas St, Santa Barbara, CA 93103
P.O. Box 1587. Santa Barbara, CA 93102
1809 Cliff Dr A, Santa Barbara, CA 93109
State Farm: Paul Cashman
3015 State St Suite C, Santa Barbara, CA 93105

Factors used to determine Auto insurance premium

  • Age
  • Gender
  • Driving records
  • Annual mileage
  • Profession
  • Education background
  • Bundling of multi cars
  • Bundling of auto and home policies
  • Features of the car (e.g. anti-theft devices)

Curious about Auto insurance in neighboring cities?

Auto Insurance for All cities in California

We also generated a report for all cities in California.