ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency, broker, or licensed producer. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. Except where a listing is clearly marked Featured, no agent listed on this site has paid for their listing. Featured listings are paid advertisements. This is an advertisement.
HomeAuto Insurance AgentsCalifornia › Santa Cruz

Find Auto Insurance Agents Near You in Santa Cruz, CA

Browse auto insurance agents serving Santa Cruz, California. Updated 2026-07-14.

The top-rated auto insurance agent in Santa Cruz, California is Chris Buich - State Farm Insurance Agent, rated 4.9 stars across 410 reviews. Other highly rated options include Lydia Harville - State Farm Insurance Agent, Farmers Insurance - Matthew O Brien, DCD Financial & Insurance Services. This directory lists 19 auto insurance agents serving Santa Cruz.

Showing 19 auto insurance agents in Santa Cruz, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Chris Buich - State Farm Insurance Agent2222 E Cliff Dr Ste 200(831) 464-4300
2Lydia Harville - State Farm Insurance Agent1044 41st Ave(831) 476-6665
3Farmers Insurance - Matthew O Brien1722 Seabright Ave(831) 621-1311
4DCD Financial & Insurance Services1123 Soquel Ave(831) 423-8542
5Paul Nelson Insurance Services730 Mission St #201(831) 426-9900
6Skip Leonard - State Farm Insurance Agent1101 Water St(831) 429-2700
7Allstate Insurance: Pinnacle One Insurance Services1200 Pacific Ave #265(831) 459-0500
8Ace Althouse - State Farm Insurance Agent1215 Mission St(831) 420-1555
9Shockley Insurance Solutions519 Seabright Ave Suite #213(831) 600-8755
10Farmers Insurance - Michael Baxter730 Mission St #201(831) 427-0900
CB
2222 E Cliff Dr Ste 200
Chris Buich - State Farm Insurance Agent
Auto Insurance Agent · Santa Cruz, CA

Chris Buich - State Farm Insurance Agent serves the Santa Cruz, California area, providing auto insurance policies to local drivers. As an independent agency operating in this coastal region, the office helps clients navigate coverage options and liability requirements. The agent works with motorists to evaluate their personal insurance needs, from basic liability to more extensive protection plans. In Santa Cruz drivers can also discuss vehicle insurance tailored to their specific commuting and travel patterns. The agency handles comprehensive and collision coverage for local policyholders.

LH
1044 41st Ave
Lydia Harville - State Farm Insurance Agent
Auto Insurance Agent · Santa Cruz, CA

Lydia Harville - State Farm Insurance Agent in Santa Cruz, CA, provides a range of auto insurance services, including liability, collision, and comprehensive coverage. It also helps clients with policy reviews and claims assistance to maintain proper protection. In addition to vehicle coverage, the agency serves the area's diverse properties, such as single-family homes, apartments, retail spaces, and restaurants.

FI
1722 Seabright Ave
Farmers Insurance - Matthew O Brien
Auto Insurance Agent · Santa Cruz, CA

Farmers Insurance - Matthew O Brien serves local homeowners, businesses, and property managers in Santa Cruz, CA. It provides auto insurance policies tailored to protect personal vehicles and commercial fleets. The agency helps clients understand coverage options for liability, collision, and comprehensive protection. It also assists with bundling auto policies with homeowners or business insurance. The agency extends its services to secure coverage for drivers in the neighboring community of Capitola.

DF
1123 Soquel Ave
DCD Financial & Insurance Services
Auto Insurance Agent · Santa Cruz, CA

Serving Santa Cruz, California, and the surrounding communities, DCD Financial & Insurance Services handles auto insurance policies for local drivers. The agency works to match clients with coverage that addresses standard needs like liability and collision protection, as well as optional add-ons to meet individual risk concerns. It focuses on explaining policy details clearly before any agreement is signed. For a typical job, an agent reviews the customer’s driving history and vehicle information to find suitable options from its carriers.

PN
730 Mission St #201
Paul Nelson Insurance Services
Auto Insurance Agent · Santa Cruz, CA

Unlike an occasional rental car search, finding the annual coverage for a personal vehicle involves ongoing protection decisions. Paul Nelson Insurance Services in Santa Cruz, CA, helps drivers choose between a one-time policy purchase and a recurring plan that renews each term to maintain continuous liability and collision coverage. This auto insurance agent offers guidance on required limits and optional protections such as comprehensive coverage. We provide their services on both a one-time and a scheduled, recurring basis for local drivers.

SL
1101 Water St
Skip Leonard - State Farm Insurance Agent
Auto Insurance Agent · Santa Cruz, CA

As the changing seasons in Santa Cruz bring varied driving conditions from coastal fog to inland sun, local motorists often review their coverage needs. Skip Leonard - State Farm Insurance Agent serves this city's drivers with auto insurance policies that align with typical regional requirements such as liability, collision, and optional roadside assistance. The office helps customers understand policy details and available discounts. A consultation begins by examining a driver's current coverage and commuting patterns during an initial assessment appointment.

AI
1200 Pacific Ave #265
Allstate Insurance: Pinnacle One Insurance Services
Auto Insurance Agent · Santa Cruz, CA

Allstate Insurance: Pinnacle One Insurance Services in Santa Cruz, CA offers auto insurance policies tailored to meet local driving needs. The agency provides coverage for liability, collision, and comprehensive protection, helping drivers manage risk on area roads. It works with clients to review policy options and adjust deductibles. This service is particularly valuable during the winter months, when rain and slick conditions in Santa Cruz increase the likelihood of accidents and claims.

AA
1215 Mission St
Ace Althouse - State Farm Insurance Agent
Auto Insurance Agent · Santa Cruz, CA

Ace Althouse - State Farm Insurance Agent in Santa Cruz, CA provides general auto insurance services, helping drivers meet legal requirements and protect their vehicles on local roads. This agency also offers specialty add-ons such as roadside assistance and rental car reimbursement for unexpected breakdowns or accidents. Policies can be tailored for various commercial sectors, including offices with company fleets, warehouses storing client goods, and food service businesses needing delivery coverage.

SI
519 Seabright Ave Suite #213
Shockley Insurance Solutions
Auto Insurance Agent · Santa Cruz, CA

Shockley Insurance Solutions serves residents of Santa Cruz with personal auto insurance policies tailored to individual driving needs. The agency also handles commercial vehicle coverage for local businesses, serving clients throughout the Santa Cruz County area. Policies are carefully explained so customers understand their specific protection levels. Existing clients receive timely follow-up appointments between regular visits to adjust coverage as their driving circumstances or vehicle situations change.

FI
730 Mission St #201
Farmers Insurance - Michael Baxter
Auto Insurance Agent · Santa Cruz, CA

Farmers Insurance - Michael Baxter is an auto insurance agent in Santa Cruz, CA, known for helping local drivers find coverage that meets their needs and budget. The agency offers a range of personal auto policies, including liability, collision, and comprehensive plans. It also serves clients in surrounding areas within Santa Cruz County. Customers may add roadside assistance to a standard policy for support with towing, flat tires, or lockouts.

FI
406 Mission St # F
Farmers Insurance - Ted Herzon
Auto Insurance Agent · Santa Cruz, CA
(408) 666-1672
agents.farmers.com/ca/santa-cruz/ted-herzon
BN
2035 N Pacific Ave
Bedell & Nelson-Harbert Insurance
Auto Insurance Agent · Santa Cruz, CA
(831) 426-3700
CP
2035 N Pacific Ave ste a
Clarion Pacific Insurance Services
Auto Insurance Agent · Santa Cruz, CA
(831) 337-4661
clarionpacificinsurance.com
DR
542 Ocean St #J
D and R Insurance Services
Auto Insurance Agent · Santa Cruz, CA
(831) 427-3272
mercuryinsurance.com/local/d-and-r-insurance-services-045022.html
SI
133 Mission St
SteelBridge Insurance Services
Auto Insurance Agent · Santa Cruz, CA
(831) 226-8500
FI
303 Potrero St Blg 45 Ste 108
Farmers Insurance - Doug Banks
Auto Insurance Agent · Santa Cruz, CA
(831) 460-0700
agents.farmers.com/ca/santa-cruz/doug-banks
FI
410 Ocean St
Farmers Insurance
Auto Insurance Agent · Santa Cruz, CA
(831) 423-7163
agents.farmers.com/ca/santa-cruz
FI
410 Ocean St
Farmers Insurance - Mark Battey
Auto Insurance Agent · Santa Cruz, CA
(831) 423-7163
agents.farmers.com/ca/santa-cruz/mark-battey
PI
9035 Soquel Ave STE 105
Prinz Insurance Services
Auto Insurance Agent · Santa Cruz, CA
(831) 475-4091
ca-ins.com

What Does an a Auto Insurance Agent in Santa Cruz Cost?

Auto insurance costs in California vary widely based on driving record, vehicle type, location, and coverage levels. Average annual premiums in Santa Cruz typically range from 1200 to 2200 dollars for a standard policy. Factors like local accident rates and theft statistics can influence rates. This is general information and not insurance advice.

About auto insurance agents in Santa Cruz

Auto insurance agents in Santa Cruz, California help drivers find policies that meet state requirements and protect against local risks. California law requires all drivers to carry minimum liability coverage of 15/30/5. Agents can also advise on additional coverage for coastal weather or theft in the Santa Cruz area.

Frequently Asked Questions

What are the minimum auto insurance requirements in California?

California requires minimum liability coverage of 15/30/5. This means 15000 dollars for injury or death to one person, 30000 dollars per accident, and 5000 dollars for property damage. An agent can help you understand these limits and suggest higher coverage.

How do I find a reliable auto insurance agent in Santa Cruz?

You can search online directories or ask for referrals from local friends and family. Look for agents licensed by the California Department of Insurance. Many agents in Santa Cruz offer free quotes and can explain policy options in person.

Does my credit score affect my auto insurance rate in California?

Yes, California law allows insurers to use credit-based insurance scores for auto insurance rates. However, some insurers may not use credit as a factor. An agent can explain how your credit may impact your premium and help you find a company that fits your situation.

Auto Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each auto insurance agent's credentials and current standing with your state Department of Insurance.