Car insurance rates in Santa Cruz October 2025
The auto insurance rates published in this guide are based on the results of research completed by Way.com's data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.
- CSAA provides the cheapest liability coverage at $23 per month in Santa Cruz.
- CSAA offers the cheapest rates for full coverage insurance in Santa Cruz at $96 per month.
Read on to learn more about car insurance price trends in Santa Cruz. More car insurance rate data is available in the original article at Way.com.
Cheapest liability insurance in Santa Cruz
For drivers looking to meet Santa Cruz minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.
Cheapest liability insurance in Santa Cruz
#1. CSAA: $23
#2. USAA: $38
#3. AAA NorCal: $44
#4. Progressive: $45
#4. Wawanesa: $45
Cheap full coverage in Santa Cruz
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.
Cheapest full coverage insurance in Santa Cruz
#1. CSAA: $96
#2. USAA: $133
#3. Progressive: $135
#4. AAA SoCal: $142
#5. Mercury: $150
Impact of traffic violations on Santa Cruz auto insurance rates
In Santa Cruz, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Santa Cruz may differ from the national average due to regional risks and rules.
Here's a breakdown of average auto insurance rates in Santa Cruz after common driving violations.
- No violation: $163
- Not-at-fault accident: $163
- Failure to wear a seat belt: $220
- Speeding 6 - 10 MPH over limit: $231
- Speeding 21 - 25 MPH over limit: $231
- DUI: $424
- Reckless driving: $402
- Driving with a suspended license: $330
- Leaving scene of an accident/hit and run: $409
