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Watsonville is located 95 miles south of San Francisco at the southern end of Santa Cruz County. The city’s economy centers predominantly around the farming industry, and it is known for growing strawberries, apples, lettuce and a host of other vegetables. It is a quick 30 minute drive to Monterey and less than an hour from the beautiful Big Sur coastline. Silicon Valley is less than 45 minutes away, as well as beaches, mountains, wine, food, and tons of outdoor activities. Watsonville remains one of the most expensive places to live in the United States. The cost of living in Watsonville is 40% higher than the national average, and housing is 69% higher than the national average. This makes it very important to understand all the options for cheap car insurance Watsonville has available, and tommake sure you have all the coverage you need. Watsonville has 65 police officers and 68 authorized positions. Despite a significant drop in crime, Watsonville continues to suffer from its past reputation, particularly in more affluent areas of the region. The overall crime rate in Watsonville is 46% higher than the national average, and property crime is 38% higher than the average of California and is 45% higher than the national average. High crime rates can cause your insurance premiums to be high, so be sure to offset that cost by looking for all the discounts you qualify for.

Watsonville 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 Watsonville 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 Watsonville can provide.

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

Watsonville Public Transportation

There is 1 airport and 7 Amtrak train stations within 30 miles of the Watsonville city center. Santa Cruz Metro Transit District provides bus service throughout Santa Cruz County from the Watsonville Transit Center.  The number of people who take public transportation in Watsonville is 57% lower than the national average. However, the number of people who carpool to work in Watsonville is 61% higher than the national average. Utilizing public transportation even just a few times a week can help save you money on your auto insurance.