Car Insurance in Santa Clarita, California
Estimated full coverage in Santa Clarita runs about $1,665 a year ($139/month) — ▲ +7% versus the California average, ranking 25th most expensive of the 77 California cities we cover.
Why car insurance in Santa Clarita costs more than the California average
Insurers price by territory, and Santa Clarita's numbers explain most of the gap. With 229,159 residents on 73.6 square miles, the city's density (3,113 people per square mile) is 37% higher than the density where the typical California resident lives (2,278). The average commute is 34.1 minutes (California: 28.7), and 68% of workers drive alone. Together these put our location factor at 1.07× the state baseline for liability and collision, and 1.10× for comprehensive once FEMA weather risk for Los Angeles County is included.
| Factor | Santa Clarita | California ref. | Why it matters |
|---|---|---|---|
| Population density | 3,113 / sq mi | 2,278 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 34.1 min | 28.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 19.2% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 68.1% | — | Share of workers commuting by car. |
| Public transit to work | 1.6% | — | Transit use lowers how much residents drive. |
| Work from home | 18.5% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 3.3% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 76.0 | 64.0 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Santa Clarita
Rates can change from one ZIP code to the next. Across 6 Santa Clarita ZIP codes, our full-coverage estimate ranges from $1,540 in 91321 to $1,750 in 91351. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 91387 | 46,869 | 877 | 35.9 min | 3.5% | $1,585 | −5% |
| 91350 | 43,973 | 2,772 | 34.6 min | 3.4% | $1,660 | 0% |
| 91354 | 33,957 | 4,635 | 33.6 min | 1.5% | $1,690 | +2% |
| 91351 | 33,155 | 3,817 | 39.3 min | 3.5% | $1,750 | +5% |
| 91321 | 31,989 | 1,200 | 30.5 min | 4.7% | $1,540 | −8% |
| 91355 | 29,123 | 2,213 | 29.8 min | 4.1% | $1,580 | −5% |
Minimum car insurance in Santa Clarita
Santa Clarita drivers follow California's rules: at least 30/60/15 liability coverage. California is at-fault (tort). We estimate state-minimum coverage in Santa Clarita at $610 a year, and $850 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $15,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — California does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must offer uninsured motorist bodily injury and property damage coverage; declining it requires a signed waiver. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage is offered with uninsured motorist coverage and can be waived in writing. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Income-eligible good drivers can meet the law through the California Low Cost Automobile Insurance Program at lower limits of 10/20/3.
Minimums were raised recently from 15/30/5.
Risk factors that shape Santa Clarita premiums
Accidents
California recorded 3,876 traffic deaths, or 1.19 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
California's vehicle theft rate is 317 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Los Angeles County as relatively moderate for hail, very high for inland flooding and relatively moderate for strong wind.
Traffic & commuting
19.2% of Santa Clarita commuters spend an hour or more getting to work, and there are 2.18 vehicles per household. 18.5% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 93.0 | Comprehensive (car); roof claims (home) | |
| Tornado | 97.7 | Comprehensive; dwelling | |
| Hurricane | 0.0 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 100.0 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 90.0 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 75.2 | Comprehensive; dwelling | |
| Winter weather | 74.8 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Santa Clarita by driver profile
A clean-record driver in their 50s pays the least in our Santa Clarita model (about $1,530 for full coverage); an 18-year-old on their own policy pays about $4,575, and a DUI pushes a 30-something to $3,080.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,680 | $2,345 | $4,575 | $381 |
| Young adult (22) | $980 | $1,365 | $2,665 | $222 |
| Adult in their 30s | $610 | $850 | $1,665 | $139 |
| Adult in their 50s | $560 | $785 | $1,530 | $128 |
| Senior (72) | $685 | $955 | $1,865 | $155 |
| 30s, one at-fault accident | $885 | $1,235 | $2,415 | $201 |
| 30s, DUI on record | $1,130 | $1,575 | $3,080 | $257 |
Minimum vs. standard vs. full coverage in Santa Clarita
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $610 | $51 | $500–$720 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $850 | $71 | $700–$1,005 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,665 | $139 | $1,365–$1,965 |
Estimate your premium in Santa Clarita
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Cheap car insurance in Santa Clarita: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Santa Clarita's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $115 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $115 | You're among the 18.5% of Santa Clarita workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $450 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $815 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $365 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Santa Clarita
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 50 offices listed below.
- Check complaint records with the California Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Santa Clarita, our estimates differ by up to $210 a year between neighborhoods.
Car insurance agents near Santa Clarita, CA
We found 50 insurance offices within about 7 miles of central Santa Clarita, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Sam Saifi - Farmers Insurance
20555 Soledad Canyon Rd, Canyon Country, CA 91351 -
Arturo Palafox - Farmers Insurance
21618 Golden Triangle Rd, Santa Clarita, CA 91350 -
Carlos Albert Gonzalez - Farmers Insurance
26240 Prima Way, Santa Clarita, CA 91350 -
Nasser Ahmad Maaz - Farmers Insurance
19979 Soledad Canyon Rd, Santa Clarita, CA 91351 -
Morvarid Saifi - Farmers Insurance
27225 Camp Plenty Rd, Santa Clarita, CA 91351 -
Rocio Alejandra Guerra - Farmers Insurance
27257 1/2 Cp Plenty Rd, Canyon Country, CA 91351 -
Henry Rodriguez - State Farm
27141 Hidaway Ave, Suite 207, Santa Clarita, CA 91351 -
Jose Francisco Martinez - Farmers Insurance
18986 Soledad Cyn Rd, Santa Clarita, CA 91351 -
Tien Hoang Nguyen - Farmers Insurance
27600 Bouquet Cyn Rd, Santa Clarita, CA 91350 -
Kirkman Gore Insurance
Santa Clarita, CA 91350 -
Freeway Insurance
18587 Soledad Canyon Rd, Santa Clarita, CA 91351 -
Mahendar Vaswani - Farmers Insurance
18560 Via Princessa, Santa Clarita, CA 91387 -
Lorena Barreda - Allstate
18560 Via Princessa, Ste 200, Canyon Country, CA 91387 -
Brian Stephens - State Farm
18560 Via Princessa, Suite 215, Santa Clarita, CA 91387 -
Hasmik Hagopian - Farmers Insurance
18333 Dolan Way, Canyon Country, CA 91387 -
Megarian Insurance and Financial Solutions, LLC
24881 Railroad Avenue, #203, Newhall, CA 91321 -
Richard Alan Casaubon - Farmers Insurance
18269 Soledad Canyon Rd, Canyon Country, CA 91387 -
Ernie Bolanos - State Farm
23822 Valencia Blvd, Suite 204, Valencia, CA 91355 -
Nick John Rose - Farmers Insurance
23822 Valencia Blvd, Valencia, CA 91355 -
Christine Louise Gonzales - Farmers Insurance
26707 Oak Ave, Santa Clarita, CA 91351 -
Michael Joseph Sanchez - Farmers Insurance
22777 Lyons Ave, Santa Clarita, CA 91321 -
Paul Bernardo - Farmers Insurance
24262 Walnut St, Newhall, CA 91321 -
Nilton Rodrigues - State Farm
24225 Main Street, Suite 3, Newhall, CA 91321 -
Patty Andrada Norona - Farmers Insurance
23120 Lyons Ave, Santa Clarita, CA 91321 -
Gabriela Vargas - Farmers Insurance
24781 Valley St, Newhall, CA 91321 -
Freeway Insurance
23354 Lyons Ave, Santa Clarita, CA 91321 -
Reginald Tan - Allstate
23502 Lyons Ave, Ste 103, Santa Clarita, CA 91321 -
Jorja Marie Harris - Farmers Insurance
24509 Walnut St, Santa Clarita, CA 91321 -
Macy Anne Grant - Farmers Insurance
23550 Lyons Ave, Newhall, CA 91321 -
Larry Malmsten - State Farm
23812 Lyons Avenue, Newhall, CA 91321 -
Stephen Joseph Silver - Farmers Insurance
27200 Tourney Rd, Valencia, CA 91355 -
Bryan Douglas Kreuzberger - Farmers Insurance
27734 Ave Scott, Valencia, CA 91355 -
Caroline Daniel - Farmers Insurance
25000 Ave Stanford, Valencia, CA 91355 -
Gregg Louis Goodman - Farmers Insurance
25030 Avenue Stanford, Santa Clarita, CA 91355 -
Matthew Peter Fleckenstein - Farmers Insurance
28015 Smyth Dr, Valencia, CA 91355 -
Stan Mount - Farmers Insurance
27201 Tourney Rd, Valencia, CA 91355 -
Darin Tsukashima - State Farm
25060 Avenue Stanford, #170, Valencia, CA 91355 -
Jay Langlois - Allstate
27201 Tourney Rd, Ste 201f, Valencia, CA 91355 -
Tracy Garay Clayton - Farmers Insurance
16507 Soledad Canyon Rd, Santa Clarita, CA 91387 -
Darin Tsukashima - State Farm
26650 The Old Road, Suite 205, Valencia, CA 91381
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Santa Clarita
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,240 | −26% |
| Subaru Outback | Wagon | $1,220 | −27% |
| Tesla Model 3 | Midsize car | $1,810 | +9% |
| Subaru Forester | Small SUV | $1,195 | −28% |
| Honda Civic | Compact car | $1,925 | +16% |
| Toyota Corolla | Compact car | $1,785 | +7% |
| Jeep Wrangler | Midsize SUV | $1,375 | −17% |
| Mazda CX-5 | Small SUV | $1,410 | −15% |
| MINI Cooper | Subcompact car | $1,260 | −24% |
| Tesla Model Y | Midsize SUV | $1,625 | −2% |
Car insurance in nearby California cities
- Simi Valley $1,550/yr · 18 mi
- Burbank $1,605/yr · 19 mi
- Glendale $1,625/yr · 22 mi
- Palmdale $1,680/yr · 26 mi
- Thousand Oaks $1,490/yr · 26 mi
- Lancaster $1,570/yr · 27 mi
- Pasadena $1,620/yr · 27 mi
- Los Angeles $1,705/yr · 28 mi
- Inglewood $1,730/yr · 33 mi
- El Monte $1,685/yr · 36 mi
- Downey $1,715/yr · 39 mi
- Torrance $1,630/yr · 41 mi
All California cities and state rules · Homeowners insurance in Santa Clarita
Frequently asked questions
How much is car insurance in Santa Clarita, CA?
We estimate full coverage in Santa Clarita at about $1,665 a year ($139 a month) for a driver in their 30s with a clean record, and about $610 for California's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Santa Clarita more expensive than the California average?
Our Santa Clarita estimate is 7% higher than the statewide figure. The model reflects a population density of 3,113 people per square mile (the typical California resident lives at about 2,278) and an average commute of 34.1 minutes versus 28.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Santa Clarita?
Drivers in Santa Clarita follow California law: at least 30/60/15 liability coverage.
Which ZIP code in Santa Clarita has the cheapest car insurance?
Among Santa Clarita's 6 ZIP codes, 91321 has the lowest estimate (about $1,540 a year for full coverage) and 91351 the highest (about $1,750), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Santa Clarita?
An 18-year-old with their own full-coverage policy would pay around $4,575 a year in Santa Clarita by our estimate ($1,680 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Santa Clarita?
Yes. FEMA's National Risk Index rates Los Angeles County for inland (river) flooding (very high) and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Santa Clarita?
We list 50 insurance offices in and around Santa Clarita, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- California DMV: Auto Insurance Requirements
- California Department of Insurance: Automobile Insurance guide
- California DMV: Financial Responsibility (Insurance)
- California Department of Insurance: Compare Insurance Premiums
- California Department of Insurance: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Santa Clarita and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places