Santa Cruz has 61,607 residents in 21,713 households. We list 5 insurance agencies in Santa Cruz. Here is what the local numbers say about the cover people here need.

Santa Cruz at a glance

5insurance agencies listed
51.6%of households rentRenters insurance
$1,209,000median home valueHome insurance
1970median year homes were builtRebuild cost calculator
8%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Santa Cruz County

FEMA rates the overall natural hazard risk in Santa Cruz County, where most Santa Cruz agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

EarthquakeRelatively High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in California

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in California

California requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $15,000 of property damage liability, often written 30/60/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in California How much liability cover do you need?

Source: dmv.ca.gov, limits in force since 2025-01-01. Checked 2026-10-24.

What Santa Cruz agencies can write

Share of the 5 agencies listed in Santa Cruz that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Santa Cruz agencies are

Santa Cruz agencies we list sit in 3 ZIP codes, mostly in Santa Cruz County.

950602 agencies
950622 agencies
950631 agency

Questions

Insurance agencies in Santa Cruz

How do I find an insurance agency in Santa Cruz?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in Santa Cruz?

FEMA's National Risk Index rates inland flooding risk in Santa Cruz County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Santa Cruz?

51.6% of households in Santa Cruz rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

Nearby

Agencies near Santa Cruz

For insurance agencies

Is your Santa Cruz agency listed?

Claim your free listing to keep your details right, then add your logo, website and social profiles.

Claim your listing