Car insurance in Santa Ana costs an average of $1,415 per year, which is cheaper than the state average. The cheapest insurance provider for average drivers is Esurance. MoneyGeek analyzed the cheapest alternative across different driver profiles and coverage levels. For those looking for a balance of costs and service, MoneyGeek also ranked the best companies in Santa Ana.
Compare the Cheapest Car Insurance Quotes in Santa Ana, CA
The Cheapest and Best Car Insurance in Santa Ana
The Cheapest Car Insurance Companies in Santa Ana
The insurers with the cheapest average rates for a full coverage policy in Santa Ana are:
- Esurance: 1,034 yearly
- USAA: $1,113 yearly (only for current and former military)
Out of 13 car insurance companies in Santa Ana, Esurance offered the cheapest car insurance rates in the city. An Esurance policy is on average approximately $700 less expensive than similar coverage with State Farm — the most expensive auto insurance option in the city.
To facilitate this study, MoneyGeek collected average insurance rates in Santa Ana for a sample 40-year-old male driver profile with a full coverage policy. This includes liability insurance and comprehensive and collision coverage.
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Average Cost of Car Insurance in Santa Ana
Drivers living in Santa Ana may be interested to know that the annual car insurance in the city is $1,415, slightly lower than the California state average and the average cost of car insurance in the country. Policyholders based in Santa Ana will generally pay 1% less than the average annual cost of car insurance in California. Additionally, Santa Ana-based drivers will pay 0.7% less than the national average.
The Best Car Insurance Companies in Santa Ana
If you are looking for a balance of affordability and quality service, MoneyGeek ranked the best auto insurance carriers in Santa Ana. According to MoneyGeek’s research, the best car insurance companies in the city for most drivers are:
- AAA: MoneyGeek score 90 out of 100
- GEICO: MoneyGeek score 90 out of 100
USAA received the highest score in Santa Ana by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
To calculate the final scores out of 100, MoneyGeek used several criteria, including J.D. Power customer satisfaction, affordability and financial stability ratings.
Personalized Quotes to Get You the Cheapest Car Insurance in Santa Ana
Location is not the only factor that car insurance companies consider in determining your car insurance rates. Other factors include age, driving record, coverage level, gender and car make and model. For example, a 40-year-old driver in Santa Ana with an Allstate plan will pay $56 more than a 70-year-old driver in Santa Ana who’s getting similar coverage with the same company.
Because factors like age and driving record change over time, drivers should regularly compare personalized quotes from multiple car insurance companies in Santa Ana so they can see which company can give them the best car insurance plan with the most affordable rates.
Shopping around for car insurance in Santa Ana could save you $381, which is enough to buy:
Cheapest Car Insurance in Santa Ana by Coverage Amount
In Santa Ana and elsewhere, a big component of your car insurance costs is the coverage level you choose. For example, a state minimum liability policy in Santa Ana costs an average of $670 per year. On the other hand, a full coverage policy with higher liability limits costs $1,415 on average. That is a $745 difference.
California Minimum Liability Requirements
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
Liability-only plans and full-coverage plans have certain limits when it comes to coverage. A 50/100/50 liability-only coverage means that the plan will cover the other driver’s expenses, specifically up to $50,000 in bodily injury treatment, $100,000 in bodily injury liability per accident and $50,000 in property damage liability per accident.
A 50/100/50 liability-only plan in Progressive is $365 cheaper than a 50/100/50 full-coverage plan, but a full-coverage plan may be worth getting, as it helps pay for your own expenses too.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Santa Ana if You Have Driving Violations
Car insurance companies in Santa Ana are likely to increase your rates when a violation is added to your driving record. For example, drivers with a speeding ticket on their record will pay nearly $600 more for a GEICO car insurance policy than drivers with a clear record with similar coverage from GEICO.
A DUI on your driving record is also taken more seriously. GEICO policyholders with a DUI on their record will pay almost $1,700 more for their policy than drivers with a clean record will pay for similar coverage.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
Depending on where you live in Santa Ana, your car insurance rates may vary. For instance, out of the four ZIP codes in Santa Ana, those living in the most affordable ZIP code, 92707, will pay $53 less in car insurance premiums than those living in the most expensive area, ZIP code 92703.
Auto insurance companies vary their rates from region to region based on that region's accident rate, car theft rate and more. So if you move and your ZIP code changes, your car insurance premium will likely change as well.
- Zip CodeState Minimumper year
Top Agents Offering Affordable Car Insurance in Santa Ana
Factors That Impact Insurance Costs in Santa Ana
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Santa Ana. How Santa Ana ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Santa Ana are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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