Auto Insurance in Santa Monica (90404)
California · Expensive · 97th percentile statewide
Carrier Rates in 90404
6-month premiums from SERFF rate filings. Standard driver profile.
How 90404 Compares
Santa Monica (90404) is expensive for auto insurance in California, ranking in the 97th percentile.
The cheapest carrier is Mercury at $643/6mo — 70% less than the most expensive (Allstate at $2,172).
The median premium of $1,131 is 24% above the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Santa Monica (90404)?
The median 6-month premium in Santa Monica (90404) is $1,131 across 9 carriers. Premiums range from $643 to $2,172, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 90404?
Mercury offers the lowest rate in 90404 at $643/6mo. That's 70% less than the most expensive option (Allstate at $2,172/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance expensive in 90404?
Auto insurance rates in Santa Monica (90404) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Santa Monica ranks in the 97th percentile statewide, meaning it's expensive compared to other California ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in California
Want full rate data for 90404?
Access ZIP-level rate data across all 9 carriers, 1,745 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.