Santa Margarita, CA is an unincorporated town in San Luis Obispo County.  It is one of the most rural areas in the county.  Santa Margarita is located at 35°23′24″N 120°36′33″W / 35.3899734°N 120.6090570°W.

Health Care & Santa Margarita, CA Health Insurance

According to the Environment Protection Agency (EPA), the air quality in Santa Margarita, CA has a score of 31 on a scale of 100 (higher being better).  The water quality is 30 on a scale of 100 (USA average is 55).  There are 245 physicians per capita in Santa Margarita, which is much higher than the USA average of 169.7.  For more information on Santa Margarita Health Insurance, please contact our office, or fill out a free health insurance quote online.

Factors that influence Santa Margarita, CA Auto Insurance Rates

One thing that affects your insurance rates is the geographic area that you live and drive in.

Santa Margarita residents drive their cars frequently.  A majority of residents drive alone to work (76%), 15% carpool, 0% take public transit, and 5% work from home.  The average commute time to work is 37 minutes (USA average = 27.4 minutes).

In Santa Margarita, 7.5% of households do not own a car.  31.8% own 1 car, 37.8% own 2 cars, and 23% own 3 cars or more.

To find out exactly what you would have to pay for auto insurance in Santa Margarita, please fill out one of our free online auto insurance quote forms.

Do you Need Renters Insurance in Santa Margarita, CA?

In Santa Margarita, 33% of residents are renters.  It is very important to make sure your contents are covered if you are a renter. Usually renters insurance is very inexpensive coverage.  To find out how you can get renters insurance coverage, please fill out one of our free online renters insurance quote forms.

Factors that affect Santa Margarita, CA Home Insurance rates

Sometimes the weather of a particular region can affect home insurance rates.  For example, houses near the ocean are priced higher due to higher changes of floods.  Similarly, areas with more temperate weather conditions are not exposed to those risks and may have more affordable home insurance rates.  California currently ranks 7th out of all states for the highest home insurance rates (1 being the highest).

Santa Margarita gets 22 inches of rain each year, which is lower than the US average of 37.  This means residents may not be as prone to issues like flooding when compared to other areas.

There are 286 sunny days in Santa Margarita per year and in July, the temperature usually reaches a high of 70 degrees.  The low in January is 42 degrees.

Another thing that affects home insurance rates is the value of the home that you are insuring.  In Santa Margarita, the median house value is $456,702.  This is lower than the California average of $532,300.

To find out how much it would cost to insure your house, fill out one of our free online home insurance quote forms.