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Find Auto Insurance Agents Near You in Capitola, CA

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

The top-rated auto insurance agent in Capitola, California is AAA Capitola/Santa Cruz Branch, rated 4.6 stars across 456 reviews. Other highly rated options include Capitola DMV, Jill Judd - State Farm Insurance Agent, Coast Auto Insurance. This directory lists 11 auto insurance agents serving Capitola.

Showing 11 auto insurance agents in Capitola, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1AAA Capitola/Santa Cruz Branch4400 Capitola Rd #100(831) 824-9128
2Capitola DMV4200 Capitola Rd(800) 777-0133
3Jill Judd - State Farm Insurance Agent820 Bay Ave #103(831) 462-1666
4Coast Auto Insurance4170 Gross Rd(831) 479-1990
5JL Martin Insurance Agency503A Capitola Ave(831) 462-0851
6Prime Health Insurance CA1906 41st Ave(310) 868-2080
7Donald R Hardy Insurance Agency500 Plum St(831) 475-4314
8Margarita Nicol - State Farm Insurance Agent2121 41st Ave STE 103(831) 475-1991
9Hal Judd - State Farm Insurance Agent820 Bay Ave #105(831) 462-9596
10Martini David J500 Plum St(831) 475-4314
AC
4400 Capitola Rd #100
AAA Capitola/Santa Cruz Branch
Auto Insurance Agent · Capitola, CA

AAA Capitola/Santa Cruz Branch serves the Capitola area and surrounding Santa Cruz County as an auto insurance agent. The agency helps customers find personal auto coverage that meets local driving needs and state requirements. They assist with policy comparisons, coverage adjustments, and claims support for drivers in the region. The agency also provides guidance on roadside assistance options and helps clients understand liability and comprehensive coverage specifics for their vehicles.

CD
4200 Capitola Rd
Capitola DMV
Auto Insurance Agent · Capitola, CA

Capitola DMV provides auto insurance agent services for drivers in Capitola, California, helping them secure liability, collision, and comprehensive coverage to meet legal requirements and protect personal assets. It offers consultations to review existing policies and compare options from multiple carriers to find suitable protection levels. Clients can receive guidance on coverage adjustments and policy renewals. The company services vehicles for single-family homes, apartments, retail locations, and restaurants.

JJ
820 Bay Ave #103
Jill Judd - State Farm Insurance Agent
Auto Insurance Agent · Capitola, CA

Jill Judd from State Farm serves the auto insurance needs of homeowners, renters, and drivers in the Capitola area. The agency helps community members obtain liability, collision, and comprehensive coverage for their personal vehicles. Each policy can be reviewed to ensure it meets local driving conditions and customer budget requirements. Customers appreciate having a nearby office for face-to-face discussions about deductibles or policy adjustments. The agency also covers commuters from the neighboring city of Soquel.

CA
4170 Gross Rd
Coast Auto Insurance
Auto Insurance Agent · Capitola, CA

Coast Auto Insurance provides a range of auto insurance services, including liability, collision, and comprehensive coverage options for drivers. It also offers roadside assistance and rental car reimbursement plans to help maintain mobility after an accident or breakdown. The agency serves the Capitola, California, area and assists residential clients, including those with single-family homes and apartment dwellers. Additionally, it works with commercial customers operating retail stores and restaurants.

JM
503A Capitola Ave
JL Martin Insurance Agency
Auto Insurance Agent · Capitola, CA

JL Martin Insurance Agency serves Capitola and the surrounding communities of Santa Cruz County, handling auto insurance coverage for area drivers. The agency works with standard policies that protect against common road risks and financial liability. It offers options for liability, collision, and comprehensive coverage to meet different needs and budgets. In a typical job it gathers driver and vehicle information, compares available coverage plans, and explains policy details before confirming the selected option with the client.

PH
1906 41st Ave
Prime Health Insurance CA
Auto Insurance Agent · Capitola, CA

Prime Health Insurance CA in Capitola provides auto insurance clients with a choice between a one-time policy purchase or a recurring plan that renews periodically. Coverage options typically include liability, collision, and comprehensive protection to address various driving needs and risk levels. As an auto insurance agent, the company assists clients in comparing policies and selecting appropriate deductibles. Their services are available on a one-time or scheduled basis, depending on whether a customer opts for a single term or ongoing coverage with regular renewal intervals.

DR
500 Plum St
Donald R Hardy Insurance Agency
Auto Insurance Agent · Capitola, CA

Donald R Hardy Insurance Agency in Capitola, CA offers specialized auto insurance policies for standard vehicles, including liability coverage. The agency also provides general services such as working with clients to adjust deductibles and policy limits for a range of older or newer cars. They assist customers in navigating the claims process after minor fender benders or more significant collisions. During the start of the rainy season, locals often call to review their comprehensive coverage to ensure it addresses potential damage from wet roads or falling branches.

MN
2121 41st Ave STE 103
Margarita Nicol - State Farm Insurance Agent
Auto Insurance Agent · Capitola, CA

As the leaves change along the Capitola coastline, drivers begin checking their coverage for the wetter months ahead. Margarita Nicol - State Farm Insurance Agent helps local motorists evaluate their auto policies to ensure proper protection. While listening to each client’s unique driving habits and vehicle use, the office reviews existing liability limits and potential gaps. They discuss factors like commute distances and parking situations common to the area. A complimentary initial policy review is scheduled to assess current deductibles and suggest adjustments before the rainy season arrives.

HJ
820 Bay Ave #105
Hal Judd - State Farm Insurance Agent
Auto Insurance Agent · Capitola, CA

Hal Judd - State Farm Insurance Agent in Capitola, CA provides personal auto coverage that helps protect drivers and their vehicles on local roads. It offers optional add-ons such as roadside assistance and rental car reimbursement to address common travel disruptions. The agency works with a range of commercial sectors, including offices that need fleet policies, warehouses requiring liability protection, and food service businesses with delivery vehicles.

MD
500 Plum St
Martini David J
Auto Insurance Agent · Capitola, CA

Martini David J provides residential auto insurance services for drivers in Capitola and the surrounding region. Commercial auto insurance coverage is also available for local business vehicles requiring tailored protection. The agency works directly with clients to understand their specific driving habits and vehicle usage, ensuring appropriate policy options are considered. Follow-up service is readily provided between regular policy reviews to address any changes in personal circumstances or coverage needs.

OC
716 Capitola Ave suite b
One Connect Insurance Solutions
Auto Insurance Agent · Capitola, CA
(888) 565-1326
1connectinsurance.com

What Does an a Auto Insurance Agent in Capitola Cost?

Auto insurance costs in California vary widely based on factors like age, driving record, vehicle type, and location. On average, drivers in California pay between 1,200 and 2,500 dollars per year for full coverage, though minimum liability policies can cost as little as 500 to 800 dollars annually. Rates in Capitola may be influenced by local traffic patterns and claim statistics. This is general information and not insurance advice.

About auto insurance agents in Capitola

Auto insurance agents in Capitola, California help drivers find coverage that meets state legal requirements and personal needs. California law requires all drivers to carry minimum liability insurance of 15/30/5, meaning 15,000 dollars for injury per person, 30,000 dollars total per accident, and 5,000 dollars for property damage. A local agent can explain these requirements and help you compare policies from different carriers.

Frequently Asked Questions

What does an auto insurance agent in Capitola do?

An auto insurance agent helps you find and purchase a car insurance policy that fits your needs. They can explain different coverage types, such as liability, collision, and comprehensive, and help you compare quotes from multiple insurance companies. They also assist with policy changes and claims questions.

Is it required to have auto insurance in California?

Yes, California law requires all drivers to carry auto liability insurance. The minimum coverage is 15,000 dollars for injury or death of one person, 30,000 dollars for injury or death of more than one person, and 5,000 dollars for property damage. You must show proof of insurance when registering a vehicle or after a traffic stop.

How do I choose the right coverage in Capitola?

Consider your driving habits, vehicle value, and budget. An agent can help you evaluate options like uninsured motorist coverage, which is recommended in California due to high rates of uninsured drivers. They can also explain how factors like your driving record and credit score affect your premium.

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.