Auto Insurance in Santa Barbara (93110)
California · Very Affordable · 16th percentile statewide
Carrier Rates in 93110
6-month premiums from SERFF rate filings. Standard driver profile.
How 93110 Compares
Santa Barbara (93110) is very affordable for auto insurance in California, ranking in the 16th percentile.
The cheapest carrier is Mercury at $318/6mo — 78% less than the most expensive (Allstate at $1,427).
The median premium of $825 is 10% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Santa Barbara (93110)?
The median 6-month premium in Santa Barbara (93110) is $825 across 9 carriers. Premiums range from $318 to $1,427, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 93110?
Mercury offers the lowest rate in 93110 at $318/6mo. That's 78% less than the most expensive option (Allstate at $1,427/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance very affordable in 93110?
Auto insurance rates in Santa Barbara (93110) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Santa Barbara ranks in the 16th percentile statewide, meaning it's very affordable 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 93110?
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.