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2025

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Best Local Car Insurance Agencies in Santa Rosa, CA

Our Recommended Top 6

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 Rosa 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.

94Reviewed

58Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Local Car Insurance Agencies Serving Santa Rosa
726 Mendocino Avenue, Santa Rosa, CA 95401
Visit WebsiteLicense: 0F56567

Expertise.com Rating

Review Sources

Google
4.9 (127)
Yelp
4.5 (8)
Facebook
5.0 (2)

Why choose this provider?

Located in Santa Rosa, Jeff Lecoeuche Insurance Agency helps local drivers who are looking for ways to protect themselves and their vehicles through car insurance policies. The agency offers auto insurance with various coverage options. It can put together policies tailored to its clients' needs and budget. Jeff Lecoeuche has been a Farmers insurance agent since 1997. Servicing the greater Sonoma County, he also provides other insurance policies for home, business, and life and health.

  • Multiple Carriers

Best Local Car Insurance Agencies Serving Santa Rosa
620 College Avenue, Santa Rosa, CA 95404
Visit WebsiteLicense: 0G55500

Expertise.com Rating

Review Sources

Google
4.7 (127)
Yelp
3.5 (11)

Why choose this provider?

Barber Insurance Agency, Inc., is an independent agency serving Santa Rosa and the rest of Northern California for over 50 years. As an independent agency, it works with a network of carefully selected insurance carriers to provide options for clients who want to protect their vehicles and themselves against financial loss and damages. It offers insurance options for ATVs and watercrafts such as boats. Home and business coverages are also available. The agency also helps clients keep their coverage up to date each year.

  • Bundling Option

Best Local Car Insurance Agencies Serving Santa Rosa
620 Sebastopol Road, Santa Rosa, CA 95407
Visit WebsiteLicense: 0F51739

Expertise.com Rating

Review Sources

Google
4.1 (14)
Yelp
5.0 (3)

Why choose this provider?

Auto Saver Plus Insurance, LLC is a family-owned and operated agency based in Santa Rosa that offers auto insurance solutions to individuals and businesses within the nearby areas. As an independent agency, it works with various carriers to provide insurance plans that protect its clients from financial losses. Its team of bilingual insurance specialists assists clients in choosing the auto insurance policy and corresponding coverages that address their needs and fit their resources. Through attention to detail, Auto Saver Plus Insurance, LLC strives to provide quality services.

  • Bundling Option

Best Local Car Insurance Agencies Serving Santa Rosa
800 Mendocino Avenue, Santa Rosa, CA 95401
Visit WebsiteLicense: 0E99011

Expertise.com Rating

Review Sources

Google
4.9 (61)
Yelp
5.0 (6)

Why choose this provider?

Erika Novoa is a Santa Rosa-based agent that operates her own agency under State Farm. Together with her team, Novoa assists clients in various areas including auto insurance. The professionals offer different coverage options for car owners, including collision, comprehensive, and rental insurance. They also offer insurance for clients who use their personal automobiles to drive for rideshare companies like Uber. Novoa has been a State Farm agent for 15 years. She entertains Spanish-speaking clients.

  • Motorcyle & ATV

Best Local Car Insurance Agencies Serving Santa Rosa
902 Stevenson Street, Santa Rosa, CA 95404
Visit WebsiteLicense: 0507195

Expertise.com Rating

Review Sources

Yelp
5.0 (25)
Google
4.6 (7)

Why choose this provider?

Sadler & Company Insurance Brokers Inc. is a Santa Rosa insurance service provider helping clients score auto protection plans. The local business insures drivers and their vehicles to avoid financial obligations when car accidents occur. Its agents offer liability and no-fault coverages to secure car owners, and collision and comprehensive insurance coverages may be availed to safeguard vehicles. Sadler & Company Insurance Brokers Inc. has earned Safeco's excellence winner award for eight consecutive years. The company has been in the insurance industry since 1976.

  • Multiple Carriers

Best Local Car Insurance Agencies Serving Santa Rosa
1630 Sebastopol Road, Santa Rosa, CA 95407
Visit WebsiteLicense: 0G50640

Expertise.com Rating

Review Sources

Google
4.9 (178)
Facebook
5.0 (9)
Yelp
5.0 (4)

Why choose this provider?

Valley West Insurance Services is a locally owned company providing auto insurance services and options to car owners in Santa Rosa and the surrounding areas. The business understands the needs of the clients and helps them acquire personalized auto insurance coverages. Its agents also discuss specific protection plans for cars, exotic cars, classic cars, hot rods, and low riders. Additionally, the company has related services addressing SR-22 certifications and DUIs. Its staff assists clients seven days a week and can speak English and Spanish.

  • Bundling Option

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Jeff Lecoeuche Insurance Agency
726 Mendocino Avenue, Santa Rosa, CA 95401
Barber Insurance Agency, Inc.
620 College Avenue, Santa Rosa, CA 95404
Auto Saver Plus Insurance, LLC
620 Sebastopol Road, Santa Rosa, CA 95407
Erika Novoa
800 Mendocino Avenue, Santa Rosa, CA 95401
Sadler & Company Insurance Brokers Inc.
902 Stevenson Street, Santa Rosa, CA 95404
Valley West Insurance Services
1630 Sebastopol Road, Santa Rosa, CA 95407

Santa Rosa, CA Car Insurance Agency FAQs

  • What steps should you follow when filing a car insurance claim after an accident in Santa Rosa?

    Following an accident in Santa Rosa, it is important to immediately notify your insurance agent, providing detailed information about the incident. Understand the scope of your coverage to ensure that your claim is consistent with it, and document the accident scene with photos and notes. Honesty in your statements is also important to avoid claim denial. Additionally, keep receipts for expenses such as medical bills and repairs related to your claim.

  • What are some common exclusions in business car insurance policies in Santa Rosa?

    Business car insurance policies in Santa Rosa typically do not cover workers' compensation obligations, wear and tear on the insured vehicle, losses from racing or demolition contests, vehicle contents, or liability related to machinery or mobile equipment attached to the covered vehicle. These exclusions emphasize the importance of businesses carefully reviewing and customizing their policies to ensure adequate coverage for their specific operations and risks.

  • How does age affect your car insurance premiums in Santa Rosa?

    Car insurance premiums in Santa Rosa are heavily influenced by the driver's age. Teenagers pay the highest rates, while those in their twenties also pay relatively high premiums. Premiums tend to fall as one gets older. Drivers in their 60s usually pay around $1,610 per year. Those in their 70s, on the other hand, may see exceptions. Overall, as age decreases, car insurance premiums become progressively more expensive, making age an important factor in determining rates in the area.

  • What discounts are available for car insurance in Santa Rosa?

    In Santa Rosa, car insurance discounts include a military discount for military personnel, a good driver discount for those with clean driving records, an anti-theft discount for vehicles equipped with anti-theft devices, and a student discount for eligible students. To determine eligibility, contact your insurance provider every six months. Keep in mind that some carriers may require a minimum tenure for consideration.

  • What are the possible reasons for car insurance claim denial following a car accident in Santa Rosa?

    A car insurance claim in Santa Rosa may be denied for a variety of reasons, including failure to seek medical treatment immediately following the accident, fault disputes, missed filing deadlines, pre-existing injuries, or instances of bad faith insurance practices by the insurance company. It is critical to follow proper procedures and, if necessary, seek legal advice to ensure that your claim is not wrongfully denied.