Auto Insurance in Santa Rosa (95401)
California · Above Average · 62th percentile statewide
Carrier Rates in 95401
6-month premiums from SERFF rate filings. Standard driver profile.
How 95401 Compares
Santa Rosa (95401) is above average for auto insurance in California, ranking in the 62th percentile.
The cheapest carrier is Farmers at $508/6mo — 68% less than the most expensive (State Farm at $1,565).
The median premium of $944 is 3% above the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Santa Rosa (95401)?
The median 6-month premium in Santa Rosa (95401) is $944 across 8 carriers. Premiums range from $508 to $1,565, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 95401?
Farmers offers the lowest rate in 95401 at $508/6mo. That's 68% less than the most expensive option (State Farm at $1,565/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance above average in 95401?
Auto insurance rates in Santa Rosa (95401) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Santa Rosa ranks in the 62th percentile statewide, meaning it's above average 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 95401?
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.