Cheap Car Insurance Santa Monica

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cheap car insurance Santa MonicaSanta Monica is 8.3 square miles of Southern California paradise. The Santa Monica Pier is a popular and iconic destination, and a landmark that is over 100 years old. The city has been a famous resort town since the early 20th century, and renovation and revitalization continue to increase the tourism. Of course, this makes it the place everyone wants to live, so the cost of living in Santa Monica is 56% higher than the California average. The cost of housing in Santa Monica is 350% higher than the national average, and homes are around $1,363,600. Santa Monica is also one of the most environmentally activist municipalities in the nation, and one of the first cities to formally adopt a comprehensive sustainability plan. Eighty-two percent of the city’s public works vehicles now run on alternative fuels making it among the largest such fleets in the country. The Santa Monica Freeway between Santa Monica and downtown Los Angeles is one of the busiest highways in all of North America. This, plus the high cost of living make it especially important to explore all the options for cheap car insurance Santa Monica has to offer.

cheap car insurance Santa Monica 2The overall crime rate in Santa Monica is reported as 60% higher than the national average, however, the Santa Monica Police Department has suggested the actual per-capita crime rate is much lower, as tourists, workers, and beachgoers can increase the city’s daytime population. Property crime is 56% higher than the California average and 64% higher than the national average. Fortunately, the city has a well staffed police department. There are a total of 385 Santa Monica police officers, which equals 4.2 police officers per 1,000 residents and is 16.8% greater than the California average, and 29.2% greater than the National average.

Santa Monica Insurance Requirements

All California state residents are required to have the basic liability insurance coverage in the following limits:

  • $5,000 of property damage liability per incident
  • $15,000 of bodily injury liability per person
  • $30,000 of bodily injury liability per incident

The minimum coverage may be all the law requires, but Santa Monica has a large population of higher income residents, and lots of traffic. This can put you at risk for more than what is covered by just liability. Car repairs and towing can quickly wipe out your savings, so consider adding these options for the best cheap car insurance Santa Monica can provide.

  • Collision
  • Towing and labor
  • Comprehensive
  • Rental reimbursement
  • Uninsured motorist bodily injury

Public Transportation in Santa Monicacheap car insurance Santa Monica 3

The city of Santa Monica runs its own bus service, the Big Blue Bus. Santa Monica fleet vehicles and Buses now source their natural gas from Redeem, a Southern California-based supplier of renewable and sustainable natural gas obtained from non-fracked methane biogas generated from organic landfill waste. There are 3 airports and 11 Amtrak train stations within 30 miles of the Santa Monica city center.