Expertise.com
2024

Last updated:

Best Local Car Insurance Agencies in Santa Maria

Our Recommended Top 10

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 Maria 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.

69

Reviewed

45

Curated

10

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
526 E Mill St, Santa Maria, CA 93454
  • Multiple Carriers
  • Bundling Option

Why choose this provider?

California Heritage helps car owners in Santa Maria find suitable insurance policies. The firm has partnerships with various insurance carriers to provide options for non-standard auto insurance plans. Its insurance specialists can assist young drivers and clients who have multiple accidents or tickets on record in navigating the nonstandard insurance marketplace. California Heritage maintains an insurance rate comparison tool to aid clients in choosing from different auto insurance policies. It offers home and auto bundles from Mercury Insurance Group and Travelers Insurance.

License Verified:

License: 0B80262

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.9 / 5 (13)
Yelp
3.5 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
830 West Main Street, Santa Maria, CA 93458
  • Motorcyle & ATV

Why choose this provider?

Based in Santa Maria, Eagle Service Insurance Agency has been serving the Central Coast community since 1999. Its professional associates help clients acquire various types of insurance policies, including auto protection. They work with clients on a one-on-one basis and ensure that the service they provide is personalized to meet the customer’s individual requirements. They can draw up options with liability, comprehensive, and collision coverage, and add more protection options, such as roadside assistance, towing, and medical payments coverage.

License Verified:

License: 0G78197

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (23)
Facebook
5.0 / 5 (12)
Yelp
4.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
3875 Constellation Road, Lompoc, CA 93436
  • Boats
  • Motorcyle & ATV

Why choose this provider?

Serving the residents of Santa Maria and the rest of Lompoc, Vandenberg Insurance Agency provides various insurance products and services. It furnishes vehicle owners with auto insurance policies, including drivers with restricted or revoked licenses. Vehicles covered include cars, trucks, motor homes, SUVs, and ATVs. Clients needing assistance with watercraft equipment like boats may also avail themselves of policies from the agency. Vandenberg Insurance Agency also accommodates the insurance needs of drivers holding licenses issued overseas.

License Verified:

License: 0668465

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
310 James Way, Pismo Beach, CA 93449
  • Bundling Option
  • Motorcyle & ATV

Why choose this provider?

Neff & Associates Insurance Services is a locally-owned and operated agency servicing clients in Santa Maria and nearby areas in California. The agency is partnered with various insurance companies that offer car insurance plans. Neff & Associates helps clients in finding the right coverage plans best suited to them among the carriers' selection. Its agents ensure that policies and endorsements are delivered on time. Additionally, the agency also offers other personal insurance policies such as life insurance, home insurance, and commercial insurance as well.

License Verified:

License: 0C77499

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
5.0 / 5 (19)
Facebook
4.6 / 5 (5)
Yelp
4.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
800 South Broadway, Suite 101, Santa Maria, CA 93454
  • Multiple Carriers
  • Motorcyle & ATV
  • Boats
  • RV & Motorhome

Why choose this provider?

Santa Maria Insurance Agency has been providing the car insurance needs in Santa Maria for 20 years. Its team of agents has 50 years of combined experience in offering auto insurance for standard and classic cars. They also have commercial auto insurance which provides protection for bodily injury and property damage caused by company-owned vehicles. The agency has convenient online services which allow clients to report a claim, make policy changes, update contact information, submit documents, and make payments.

License Verified:

License: 0K62484

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1650 South Broadway, Santa Maria, CA 93454
  • RV & Motorhome

Why choose this provider?

Donna Randolph operates a State Farm insurance agency that serves in Santa Maria. Her firm offers the residents and businesses the insurance policies they need to protect their valuable assets. One of the insurances they offer is the auto policy that safeguards the policyholders against financial losses in the event of an accident. The essential coverages include collision, comprehensive, rentals, and rideshare insurance. Donna's office may also accommodate Spanish- speaking customers.

License Verified:

License: 0K80844

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
608 South Broadway, Santa Maria, CA 93454
  • Bundling Option

Why choose this provider?

Smart Stop Insurance Services is an insurance agency based in Santa Maria that specializes in auto insurance products and solutions. The company writes comprehensive auto insurance policies that protect clients from significant financial losses caused by traffic accidents and other motorist risks. Smart Stop Insurance Services also provides insurance coverage for small businesses, homeowners, motorcycles, and vehicles crossing the Mexican border, with additional services such as motor vehicle registration assistance

License Verified:

License: 0M89988

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (8)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2162 Via Ventana, Santa Maria, CA 93458
  • Multiple Carriers
  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

Why choose this provider?

Stokes Insurance Agency offers personal and business insurance solutions in Santa Maria. The company carries coverage packages for cars, commercial automobiles, homes, renters, and contractors. It educates car owners on coverable losses, including damages from bodily injury, collisions, uninsured motorists, natural disasters, and vandalism. Its insurance agents also review existing policies and walk clients through the claims process. Stokes Insurance Agency also offers commercial liability insurance and surety bonds, which provide protection in case of contractor default.

License Verified:

License: 0769192

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)
Facebook
5.0 / 5 (1)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2236 South Broadway, Santa Maria, CA 93454
  • Multiple Carriers

Why choose this provider?

California Star Insurance Service Inc. is a car insurance agency located in Santa Maria. It maintains a network of insurance carriers, including Mercury Insurance, Kemper Auto, and Foremost Insurance Group, to provide custom coverage packages. Auto insurance plans can cover travel trailers, recreational vehicles, collector and classic cars, and watercraft. Policyholders receive financial compensation for losses caused by collisions, random acts such as vandalism, and uninsured drivers. California Star Insurance Service strives to offer insurance education to its community.

License Verified:

License: 0D80813

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
528 East Main Street, Santa Maria, CA 93454
  • RV & Motorhome
  • Boats

Why choose this provider?

Reyco Insurance Services is a car insurance agency serving Santa Maria. Established in 2013, it helps drivers secure car insurance policies that will protect them in the event of an automotive accident. Its experienced agents work with several insurance carriers to find suitable plans that will match the clients’ needs and individual risks. Reyco Insurance Services can also provide assistance for notary and auto registration. Spanish-speaking clients may find convenience in speaking with the company’s bilingual associates.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.6 / 5 (9)
Yelp
5.0 / 5 (4)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Frequently Asked Questions

  • 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.

  • Does Santa Maria utilize an at-fault system for car insurance?

    Yes, Santa Maria belongs to a fault state, which entails that the driver found at fault in an accident bears financial responsibility for the resulting damages. Typically, car insurance companies play an active role in the investigation process, as drivers often rely on their insurance providers to handle the costs associated with legal settlements and vehicle replacement, provided such coverage is included in their policy.

  • In Santa Maria, what should you do if your damages exceed the coverage limits of the at-fault driver's policy?

    If you have been in a car accident with an uninsured driver in Santa Maria, you can check your policy to see if you have coverage against uninsured/underinsured motorists. The law also allows you to continue suing the at-fault party, but this is only recommended if you have the resources for litigation and are confident that the other party has enough assets to compensate you.

  • How much is the average cost of car insurance in Santa Maria?

    In Santa Maria, the average cost of minimum liability coverage is around $1,390 per year. Full coverage insurance is more expensive, costing approximately $1,770 per year. Remember that any prior traffic violations on your record may result in an increase in your insurance premiums. In general, younger drivers pay higher rates.

  • How can Santa Maria drivers get a cheaper car insurance policy?

    Driving a car with lower insurance rates is one way to get more affordable car insurance. You can research theft rates and safety ratings for the models you're interested in before purchasing a car, as these two factors can affect the cost of your insurance. Purchasing your car insurance policy in conjunction with other policies may also qualify you for discounts.

  • What should you expect from a good comprehensive car insurance policy in Santa Maria?

    A good comprehensive car insurance policy in Santa Maria should cover the repair or replacement costs of the insured vehicle in the event of physical damage or theft. It should cover incidents such as fires, hurricanes, hailstorms, large objects falling on your car, and collisions with wildlife animals such as deer.

  • 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.