Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Santa Barbara

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Santa Barbara Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

53Reviewed

33Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5276 Hollister Avenue, Santa Barbara, CA 93111
WebsiteLicense: 0E39009

Expertise.com Rating

Review Sources

Yelp
4.0 (9)

Why choose this provider?

California Meridian Insurance Services is an independent agency that helps Santa Barbara area car owners determine the best value for financially protecting their vehicles. In operation since 1966, the agency works to compare quotes and secure coverage options from various trusted carriers. The agency's services revolve around obtaining coverage for legal and medical fees that result from property damages, injuries, and accidents. California Meridian Insurance Services also covers classic cars and designs programs for risk management matters.

  • Multiple Carriers

300 East Canon Perdido Street, Santa Barbara, CA 93101
WebsiteLicense: 0K71525

Expertise.com Rating

Review Sources

Google
5.0 (7)
Yelp
5.0 (1)

Why choose this provider?

CoreGen Insurance Agency, LLC has been servicing the locals of Santa Barbara and nearby communities for over 20 years. It provides a multitude of insurance policy options to people, including auto policy. The car insurance policy covers protection for property, liability, and medical expenses in the event of an accident. The firm offers insurance policies for both personal and commercial lines. Self-policy service using its website is also available to provide convenience to its clients.

  • Multiple Carriers

3020 De La Vina Street, Santa Barbara, CA 93105
WebsiteLicense: 0K64155

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Google
5.0 (2)
Yelp
5.0 (2)

Why choose this provider?

Brashears Insurance Agency LP is an independent insurance agency in Santa Barbara, California that advocates the synchronized approach to providing insurance products and solutions in the metro. Founder Mike Brashear established the company with the belief that clients should never be unpleasantly surprised when it comes to their policies. It has been writing auto insurance policies for decades and helps clients get the right coverage for collisions, losses, and other damages.

  • Bundling Option

1731 State Street, Santa Barbara, CA 93101
WebsiteLicense: 0H55926

Expertise.com Rating

Review Sources

Google
4.2 (14)
Yelp
5.0 (8)
Facebook
5.0 (2)

Why choose this provider?

Baratto, Sullivan & Co. Insurance is an independent insurance agency that operates in the Santa Barbara metro and nearby towns. The company writes auto insurance policies for clients' personal and commercial needs. These plans provide coverage for liabilities and property damages with options to protect from collisions, uninsured motorists, and medical payments. The company has been in the insurance industry since 1977 and also offers policies for homeowners, businesses, and employees.

  • Multiple Carriers

1033 Santa Barbara Street, Santa Barbara, CA 93101
WebsiteLicense: 0783702

Expertise.com Rating

Review Sources

Google
5.0 (21)
Facebook
4.6 (5)
Yelp
5.0 (1)

Why choose this provider?

Baxter Insurance began providing insurance assistance in a small garage in 1989. Founder Chris Baxter has successfully expanded the business and helped various clients protect their assets. The family-owned company offers auto insurance solutions to Santa Barbara drivers and car owners. Its agents also assist clients in acquiring adequate vehicle protection plans such as comprehensive and collision. They can also shop for roadside assistance and liability coverages, including bodily injury and property damage. Baxter and his team provide 24/7 claims service for automobile insurance plans.

  • Multiple Carriers

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • In Santa Barbara, can policyholders add a car rental reimbursement policy to their car insurance?

    Yes, policyholders in Santa Barbara can add a car rental reimbursement policy to their car insurance to help pay the cost of renting a vehicle whenever they go to school or work. However, there is a daily and per-claim limit. When renting a vehicle, it does not cover mileage, gas, and security deposits.

  • How can drivers in Santa Barbara lower car insurance premiums for their sports cars?

    Drivers in Santa Barbara may lower their sports car insurance premiums by maintaining a clean driving record. They must not have any at-fault accidents, moving violations, or license suspensions. They can also reduce their insurance premiums by using a different car for everyday driving and installing car alarms or anti-theft devices.

  • If you move to Santa Barbara, do you need to change or update your car insurance?

    Yes, you need to change or update your car insurance if you move to Santa Barbara because there might be cheaper insurance rates for you in your new location. You can shop from different carriers to get the cheapest car insurance premiums. Consider re-evaluating your insurance if you are experiencing any major life event like getting married or new employment.

  • Why do younger drivers in Santa Barbara pay higher insurance premiums than older drivers?

    Younger drivers in Santa Barbara pay higher insurance premiums because carriers believe they are more at-risk drivers and can be involved in an accident. On the other hand, older drivers pay lower insurance rates because they have more experience behind the wheel. However, younger drivers can still lower their premiums by taking driver training programs.

  • How much is car insurance in Santa Barbara?

    The average cost of car insurance in Santa Barbara is $163 per month, which is below California's average monthly rate of $256. Drivers in the metro should have minimum liability insurance, which includes $5,000 per accident for property damage, $15,000 per person for bodily injury, and $30,000 per accident for bodily injury.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.