Compare the Cheapest Car Insurance Quotes in Santa Ana, CA

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 Auto Insurance Rates

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin
Advertising & Editorial Disclosure
Last Updated: 7/31/2022
Written By     |  

Esurance is the overall cheapest auto insurer in Santa Ana and offers the lowest rate for drivers with a speeding ticket. Progressive has the most affordable state minimum auto policy. For military families, USAA is best. MoneyGeek rated AAA as the best company for service quality and price. The best for you depends on your coverage needs and profile.

iconribbonbestauto insuranceSanta Ana2022

The Cheapest and Best Car Insurance in Santa Ana

The Cheapest Car Insurance Companies in Santa Ana

MoneyGeek’s research shows that the following companies have the lowest rates for a full coverage policy in Santa Ana:

  • Esurance: $1,034 on average per year
  • Progressive: $1,157 on average per year

For military families, USAA offers a full coverage policy at $1,113 on average per year.

An auto insurance policy from Esurance is the cheapest in Santa Ana, costing an average of $696 less than a policy from State Farm, with an average cost of $1,730 per year. With a full coverage policy, you have liability, collision, and comprehensive coverage. The amount of liability insurance you buy decides the cost.

Cheapest Car Insurance in Santa Ana
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $1,034
  • 2.
    USAA
    $1,113
  • 3.
    Progressive
    $1,157
  • 4.
    GEICO
    $1,248
  • 5.
    MetLife
    $1,276
  • 6.
    Allstate
    $1,281
  • 7.
    AAA
    $1,305
  • 8.
    Mercury
    $1,400
  • 9.
    Hartford
    $1,550
  • 10.
    Farmers
    $1,623
  • 11.
    Travelers
    $1,651
  • 12.
    Allied
    $1,726
  • 13.
    State Farm
    $1,730

For this guide, MoneyGeek collected average rates of a full coverage policy for a 40-year-old male driver in Santa Ana, according to our methodology.

A full coverage policy costs more than minimum coverage but is valuable because of its comprehensive and collision coverage, protecting your vehicle from loss or damage.

  • Comprehensive Coverage: Pays for the repair or replacement cost if your vehicle is stolen or damaged.
  • Collision Coverage: Repairs or replaces your vehicle after an at-fault accident.

An older car may only need a minimum coverage policy or liability-only insurance. That’s because a full coverage policy may cost more than the car is worth.

Compare Car Insurance Rates in Santa Ana

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

widget-location-pin
Insurance Rates

Cheapest Car Insurance in Santa Ana for Minimum Coverage

In Santa Ana, a minimum coverage auto policy is the most affordable. MoneyGeek’s research shows that the following companies offer the cheapest minimum coverage policy:

  • Progressive: $496 per year
  • GEICO: $509 per year

For the military, USAA is the cheapest, with an average annual cost of $458.

Progressive offers the cheapest minimum coverage policy in Santa Ana. The most expensive minimum coverage policy is from State Farm at an average of $853 per year.

While a minimum coverage policy is less expensive, it does not include high liability amounts, comprehensive or collision coverage, meaning you aren’t well-covered in an accident.

See the table below to view how much higher liability coverage costs.

Cheapest Minimum Liability Car Insurance in Santa Ana
State Minimum

California drivers must have an auto insurance policy with $15,000 per person and $30,000 per accident worth of bodily injury liability coverage and property damage liability coverage of $5,000 per accident.

A minimum coverage policy is the cheapest for your budget, but in an accident, you may pay more.

For example, if you are in an accident and the repair cost of the other car is $10,000, the insurance company only pays $5,000. You pay the difference.

California Minimum Liability Requirements

  • Item
    Description
  • 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.

Cheapest Car Insurance in Santa Ana if You Have Driving Violations

Serious driving violations like a speeding ticket, DUI or an at-fault accident can raise your car insurance costs significantly.

MoneyGeek found the cheapest companies in Santa Ana, depending on the violation:

  • Cheapest after an at-fault accident: Esurance, $1,620 on average annually
  • Cheapest after a DUI: Mercury, $2,295 on average annually
  • Cheapest after a speeding ticket: Esurance, $1,306 on average annually

If you have a military background and a speeding ticket, USAA is the cheapest option.

Drivers with a bad record can find lower car insurance rates once they improve their record. Now, the best option is to compare quotes from different insurance companies and buy a budget-friendly policy.

Cheapest Car Insurance in Santa Ana With a Violation
Speeding Ticket

Average Cost of Car Insurance in Santa Ana

Santa Ana$1,415
California$1,429
U.S.$1,424

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.

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.

Compare Car Insurance Rates in Santa Ana

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

widget-location-pin
Insurance Rates

The Best Car Insurance Companies in Santa Ana

According to average costs, customer satisfaction and claims ratings, MoneyGeek ranked the best car insurance companies in Santa Ana, and the following emerged as the top auto insurance providers in the city:

  • Esurance: MoneyGeek score of 91 out of 100
  • GEICO: MoneyGeek score of 81.2 out of 100

Because it solely serves military personnel and their families, USAA was left out of this analysis. But, with a MoneyGeek score of 92.4 out of 100, USAA is the best auto insurance company in Santa Ana for eligible military members.


1
Esurance
Score:100
There are no ratings for this company
Geek Quick Take
Geek Quick Take

Esurance scored the highest for affordability in Santa Ana and got a very good customer satisfaction score, although its claims rating is average. Esurance's full coverage policy for a 40-year-old driver costs roughly $1,034 per year. Policyholders can get custom parts coverage, a unique add-on.

More About Esurance

Esurance offers some common add-on coverages to Santa Ana drivers, including gap insurance, rideshare insurance, roadside assistance and rental car and/or trip reimbursement. For example, roadside assistance covers up to $75 per incident and is usable three to six times each six months. Esurance’s add-on custom parts coverage is rare; it includes coverage for aftermarket modifications to your vehicle. In case of damage in a claim, you are covered for repairs or replacement of the items.

Read MoneyGeek's Esurance auto Insurance Review
2
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO scored highly for customer satisfaction and claims and second for affordability in Santa Ana. For a 40-year-old driver, a full coverage policy costs around $1,248 per year. GEICO offers add-on mechanical breakdown insurance.

More About GEICO

GEICO offers additional coverage options in Santa Ana to enhance an auto policy. Its rare mechanical breakdown insurance (MBI) covers the cost of repairs to any part or system in your car — it has a lower rate than a dealer's extended warranty and more coverage. Vehicles less than 15 months old and with fewer than 15,000 miles are eligible. GEICO’s other two coverages — roadside assistance and rental car and/or travel reimbursement — are common among insurers. If you add roadside assistance, you have coverage for the cost of flat tire changes, towing, jumpstarts and lockout services.

Read MoneyGeek's GEICO auto Insurance Review

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 Code
    State Minimumper year
  • 92707
    $1,388
  • 92701
    $1,392
  • 92704
    $1,439
  • 92703
    $1,441

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.

accident2 icon
Most Accidents With Fatalities236th/300
handcuffs2 icon
Most Car Thefts210th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall247th/300
umbrella icon
Most Rainy Days260th/300

Methodology and Assumptions

MoneyGeek gathered premiums and information from J.D. Power, AM Best and the NAIC to score insurers in Santa Ana as follows:

  • Affordability (70%)
  • Customer satisfaction (10%)
  • Claims (10%)
  • Financial stability (10%)
Affordability took a collection of driver profiles with varying ages, records and coverages into account. We transposed the data for each criterion toa five-points scale and then cast this number out of 100 to generate our MoneyGeek score.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.