Auto Insurance in Santa Rosa (95404)
California · Below Average · 44th percentile statewide
Carrier Rates in 95404
6-month premiums from SERFF rate filings. Standard driver profile.
How 95404 Compares
Santa Rosa (95404) is below average for auto insurance in California, ranking in the 44th percentile.
The cheapest carrier is USAA at $496/6mo — 67% less than the most expensive (State Farm at $1,511).
The median premium of $898 is 2% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Santa Rosa (95404)?
The median 6-month premium in Santa Rosa (95404) is $898 across 8 carriers. Premiums range from $496 to $1,511, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 95404?
USAA offers the lowest rate in 95404 at $496/6mo. That's 67% less than the most expensive option (State Farm at $1,511/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance below average in 95404?
Auto insurance rates in Santa Rosa (95404) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Santa Rosa ranks in the 44th percentile statewide, meaning it's below 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 95404?
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.