Cheapest and Best Car Insurance Companies in Santa Ana, CA

GEICO is the cheapest car insurance company in Santa Ana for a minimum coverage policy based on the latest 2023 quotes. GEICO is also the best provider overall, offering a balance of affordability and excellent service.

The cheapest car insurance company for you will depend on your profile and coverage needs. GEICO offers the cheapest minimum and full coverage policies and is also the cheapest provider for teen drivers. National General is the most affordable insurer if you have a DUI or speeding offense, while USAA is the cheapest company for drivers in the military. Chubb is the best option for those who value service over cost.

Cheapest + BestCar InsuranceSanta Ana

2023

Cheapest and Best Car Insurance in Santa Ana, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - GEICO

Cheapest After Driving Offense - National General

Cheapest for Teens - GEICO

Cheapest for Military - USAA

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

Cheapest Minimum Liability Car Insurance in Santa Ana

The cheapest car insurance companies in Santa Ana for a minimum coverage policy are:

GEICO: $394 per year
Progressive: $489 per year

National General has the highest rates for minimum coverage at $949 per year.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$389	$32
GEICO	$394	$33
GEICO	$464	$39
Progressive	$489	$41
Progressive	$495	$41
Mercury	$499	$42
State Farm	$504	$42
Mercury	$513	$43
AAA California	$521	$43
AAA California	$547	$46
Kemper	$564	$47
Progressive	$581	$48
Travelers	$581	$48
Travelers	$582	$49
Hartford	$601	$50
State National	$605	$50
State National	$623	$52
Nationwide	$625	$52
Mercury	$629	$52
Farmers	$636	$53
Kemper	$650	$54
Capital Insurance Group	$650	$54
Nationwide	$650	$54
Farmers	$655	$55
Travelers	$663	$55
State Farm	$665	$55
AAA California	$665	$55
Capital Insurance Group	$673	$56
Allstate	$679	$57
Allstate	$686	$57
Hartford	$690	$58
State National	$731	$61
Allstate	$738	$62
Farmers	$743	$62
Capital Insurance Group	$755	$63
State Farm	$759	$63
Chubb	$808	$67
Nationwide	$818	$68
Chubb	$832	$69
Kemper	$861	$72
Hartford	$901	$75
National General	$949	$79
National General	$979	$82
GEICO	$1,042	$87
GEICO	$1,079	$90
Progressive	$1,126	$94
Progressive	$1,127	$94
Chubb	$1,160	$97
State Farm	$1,169	$97
Allstate	$1,175	$98
National General	$1,177	$98
Mercury	$1,191	$99
AAA California	$1,199	$100
AAA California	$1,205	$100
Mercury	$1,214	$101
Allstate	$1,232	$103
GEICO	$1,244	$104
Hartford	$1,320	$110
National General	$1,341	$112
Capital Insurance Group	$1,347	$112
State National	$1,354	$113
Progressive	$1,356	$113
Allstate	$1,362	$114
Nationwide	$1,363	$114
National General	$1,367	$114
Capital Insurance Group	$1,428	$119
Kemper	$1,435	$120
State National	$1,456	$121
Travelers	$1,470	$123
Nationwide	$1,474	$123
State Farm	$1,501	$125
Hartford	$1,520	$127
Travelers	$1,531	$128
Mercury	$1,577	$131
AAA California	$1,584	$132
Capital Insurance Group	$1,607	$134
National General	$1,641	$137
Farmers	$1,694	$141
Farmers	$1,736	$145
State Farm	$1,752	$146
Kemper	$1,755	$146
State National	$1,787	$149
Travelers	$1,816	$151
Chubb	$1,905	$159
Nationwide	$1,914	$160
Chubb	$1,967	$164
Hartford	$1,981	$165
Farmers	$2,058	$172
Kemper	$2,149	$179
Chubb	$2,808	$234

A minimum coverage policy in Santa Ana covers bodily injury liability and property damage liability based on the minimum required by California law, as follows:

$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability per accident

If you get the minimum coverage in Santa Ana, your insurer will only pay up to $15,000 for bodily injury per person and a maximum of $30,000 per accident. If you cause an accident where injuries exceed these limits, you must cover the additional costs out of pocket. Property damage exceeding $5,000 is also not covered by your policy.

Cheapest Full Coverage Car Insurance in Santa Ana

The cheapest auto insurance companies in Santa Ana for full coverage car insurance are:

GEICO: $1,079 per year
Progressive: $1,127 per year

Chubb is the most expensive provider for full coverage at $1,905 per year.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$389	$32
GEICO	$394	$33
GEICO	$464	$39
Progressive	$489	$41
Progressive	$495	$41
Mercury	$499	$42
State Farm	$504	$42
Mercury	$513	$43
AAA California	$521	$43
AAA California	$547	$46
Kemper	$564	$47
Progressive	$581	$48
Travelers	$581	$48
Travelers	$582	$49
Hartford	$601	$50
State National	$605	$50
State National	$623	$52
Nationwide	$625	$52
Mercury	$629	$52
Farmers	$636	$53
Kemper	$650	$54
Capital Insurance Group	$650	$54
Nationwide	$650	$54
Farmers	$655	$55
Travelers	$663	$55
State Farm	$665	$55
AAA California	$665	$55
Capital Insurance Group	$673	$56
Allstate	$679	$57
Allstate	$686	$57
Hartford	$690	$58
State National	$731	$61
Allstate	$738	$62
Farmers	$743	$62
Capital Insurance Group	$755	$63
State Farm	$759	$63
Chubb	$808	$67
Nationwide	$818	$68
Chubb	$832	$69
Kemper	$861	$72
Hartford	$901	$75
National General	$949	$79
National General	$979	$82
GEICO	$1,042	$87
GEICO	$1,079	$90
Progressive	$1,126	$94
Progressive	$1,127	$94
Chubb	$1,160	$97
State Farm	$1,169	$97
Allstate	$1,175	$98
National General	$1,177	$98
Mercury	$1,191	$99
AAA California	$1,199	$100
AAA California	$1,205	$100
Mercury	$1,214	$101
Allstate	$1,232	$103
GEICO	$1,244	$104
Hartford	$1,320	$110
National General	$1,341	$112
Capital Insurance Group	$1,347	$112
State National	$1,354	$113
Progressive	$1,356	$113
Allstate	$1,362	$114
Nationwide	$1,363	$114
National General	$1,367	$114
Capital Insurance Group	$1,428	$119
Kemper	$1,435	$120
State National	$1,456	$121
Travelers	$1,470	$123
Nationwide	$1,474	$123
State Farm	$1,501	$125
Hartford	$1,520	$127
Travelers	$1,531	$128
Mercury	$1,577	$131
AAA California	$1,584	$132
Capital Insurance Group	$1,607	$134
National General	$1,641	$137
Farmers	$1,694	$141
Farmers	$1,736	$145
State Farm	$1,752	$146
Kemper	$1,755	$146
State National	$1,787	$149
Travelers	$1,816	$151
Chubb	$1,905	$159
Nationwide	$1,914	$160
Chubb	$1,967	$164
Hartford	$1,981	$165
Farmers	$2,058	$172
Kemper	$2,149	$179
Chubb	$2,808	$234

Full coverage policies include comprehensive and collision insurance.

Collision Insurance: Covers damage to your car from on-road incidents like a collision with another vehicle.
Comprehensive Insurance: Covers damage to your vehicle from off-road incidents like theft or vandalism.

Full coverage policies are costly since they offer added protection. However, if you have an older car, a full coverage policy may not be cost-effective as it may cost more than your vehicle is worth.

Cheapest Car Insurance in Santa Ana After a Driving Offense

The cheapest companies for car insurance in Santa Ana after a driving offense are:

Speeding ticket: National General ($1,411 per year)
At-fault accident: Capital Insurance Group ($1,680 per year)
DUI: National General ($1,411 per year)

The most expensive companies for Santa Ana drivers with offenses are Nationwide at $2,552 per year for a speeding ticket, Hartford at $5,544 yearly for a DUI and Kemper at $3,161 per year for an at-fault accident.

A bad driving record significantly impacts car insurance costs, so even the cheapest rates for drivers with offenses are much higher than those for drivers with clean records.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
GEICO	$593	$49
GEICO	$600	$50
Mercury	$643	$54
Mercury	$661	$55
AAA California	$696	$58
GEICO	$696	$58
GEICO	$705	$59
GEICO	$707	$59
Capital Insurance Group	$720	$60
AAA California	$729	$61
Capital Insurance Group	$747	$62
Kemper	$750	$62
Capital Insurance Group	$755	$63
State Farm	$765	$64
Capital Insurance Group	$782	$65
State Farm	$799	$67
Mercury	$805	$67
Mercury	$815	$68
Mercury	$827	$69
GEICO	$831	$69
AAA California	$831	$69
Capital Insurance Group	$838	$70
State National	$856	$71
State National	$856	$71
Kemper	$865	$72
Farmers	$866	$72
Farmers	$866	$72
Hartford	$867	$72
Hartford	$867	$72
AAA California	$872	$73
Progressive	$877	$73
Capital Insurance Group	$879	$73
State National	$882	$73
State National	$882	$73
Progressive	$890	$74
AAA California	$891	$74
Farmers	$892	$74
Farmers	$892	$74
Mercury	$896	$75
Travelers	$899	$75
Travelers	$900	$75
Mercury	$921	$77
GEICO	$942	$79
Allstate	$951	$79
GEICO	$952	$79
Allstate	$962	$80
Progressive	$967	$81
Nationwide	$969	$81
Progressive	$983	$82
National General	$1,003	$84
National General	$1,003	$84
Travelers	$1,006	$84
Nationwide	$1,006	$84
Travelers	$1,008	$84
Hartford	$1,010	$84
Hartford	$1,010	$84
State Farm	$1,010	$84
Farmers	$1,013	$84
Farmers	$1,013	$84
Mercury	$1,020	$85
National General	$1,035	$86
National General	$1,035	$86
Travelers	$1,036	$86
State National	$1,040	$87
State National	$1,040	$87
Allstate	$1,040	$87
Chubb	$1,041	$87
Progressive	$1,054	$88
State Farm	$1,054	$88
Progressive	$1,054	$88
Chubb	$1,065	$89
AAA California	$1,067	$89
Progressive	$1,075	$90
Nationwide	$1,080	$90
Farmers	$1,083	$90
Allstate	$1,097	$91
Allstate	$1,110	$92
Farmers	$1,113	$93
Nationwide	$1,122	$94
GEICO	$1,124	$94
Capital Insurance Group	$1,131	$94
Mercury	$1,137	$95
Kemper	$1,148	$96
State Farm	$1,154	$96
Travelers	$1,157	$96
Progressive	$1,165	$97
Capital Insurance Group	$1,172	$98
Allstate	$1,203	$100
State Farm	$1,205	$100
Travelers	$1,210	$101
Travelers	$1,212	$101
National General	$1,244	$104
National General	$1,244	$104
Farmers	$1,265	$105
Chubb	$1,265	$105
Nationwide	$1,273	$106
Progressive	$1,274	$106
Kemper	$1,275	$106
Kemper	$1,275	$106
Chubb	$1,291	$108
Capital Insurance Group	$1,317	$110
Hartford	$1,348	$112
Hartford	$1,348	$112
Chubb	$1,393	$116
Travelers	$1,399	$117
National General	$1,411	$118
National General	$1,411	$118
Nationwide	$1,421	$118
National General	$1,436	$120
National General	$1,440	$120
National General	$1,440	$120
National General	$1,480	$123
Capital Insurance Group	$1,541	$128
State National	$1,546	$129
Kemper	$1,549	$129
Kemper	$1,549	$129
AAA California	$1,551	$129
AAA California	$1,558	$130
GEICO	$1,561	$130
Mercury	$1,570	$131
State Farm	$1,574	$131
Capital Insurance Group	$1,582	$132
State National	$1,595	$133
Mercury	$1,602	$134
GEICO	$1,615	$135
Chubb	$1,619	$135
Capital Insurance Group	$1,637	$136
Chubb	$1,641	$137
Chubb	$1,665	$139
Capital Insurance Group	$1,680	$140
Allstate	$1,705	$142
Nationwide	$1,718	$143
National General	$1,728	$144
National General	$1,728	$144
State Farm	$1,736	$145
GEICO	$1,744	$145
National General	$1,782	$149
Nationwide	$1,786	$149
Allstate	$1,792	$149
GEICO	$1,800	$150
AAA California	$1,802	$150
State Farm	$1,819	$152
AAA California	$1,832	$153
AAA California	$1,836	$153
Capital Insurance Group	$1,847	$154
GEICO	$1,863	$155
State National	$1,892	$158
AAA California	$1,893	$158
Capital Insurance Group	$1,896	$158
Kemper	$1,905	$159
State National	$1,925	$160
State National	$1,925	$160
Kemper	$1,957	$163
Kemper	$1,957	$163
Hartford	$1,963	$164
Hartford	$1,963	$164
Mercury	$1,963	$164
Allstate	$1,974	$165
Allstate	$1,991	$166
Chubb	$1,993	$166
Allstate	$2,002	$167
Mercury	$2,003	$167
National General	$2,005	$167
National General	$2,046	$171
AAA California	$2,051	$171
State National	$2,070	$172
State National	$2,070	$172
State Farm	$2,080	$173
GEICO	$2,081	$173
Mercury	$2,084	$174
Hartford	$2,084	$174
Allstate	$2,107	$176
Mercury	$2,108	$176
Nationwide	$2,113	$176
Progressive	$2,124	$177
Progressive	$2,126	$177
Mercury	$2,145	$179
Allstate	$2,173	$181
Allstate	$2,222	$185
State Farm	$2,233	$186
Travelers	$2,250	$188
Nationwide	$2,268	$189
Hartford	$2,275	$190
Hartford	$2,275	$190
Nationwide	$2,288	$191
Progressive	$2,313	$193
Progressive	$2,316	$193
AAA California	$2,321	$193
Kemper	$2,334	$194
Travelers	$2,335	$195
State Farm	$2,338	$195
Farmers	$2,339	$195
Farmers	$2,339	$195
Nationwide	$2,355	$196
State Farm	$2,375	$198
Farmers	$2,400	$200
Farmers	$2,400	$200
Capital Insurance Group	$2,412	$201
AAA California	$2,415	$201
National General	$2,458	$205
Hartford	$2,467	$206
Allstate	$2,479	$207
GEICO	$2,480	$207
Chubb	$2,501	$208
Travelers	$2,513	$209
State National	$2,544	$212
State National	$2,544	$212
Nationwide	$2,552	$213
Capital Insurance Group	$2,561	$213
Chubb	$2,562	$213
GEICO	$2,566	$214
Progressive	$2,571	$214
Travelers	$2,603	$217
State Farm	$2,604	$217
Mercury	$2,607	$217
Progressive	$2,636	$220
Progressive	$2,642	$220
State Farm	$2,727	$227
Mercury	$2,787	$232
Travelers	$2,793	$233
Progressive	$2,801	$233
Farmers	$2,845	$237
Farmers	$2,845	$237
Kemper	$2,859	$238
Capital Insurance Group	$2,891	$241
Farmers	$2,923	$244
GEICO	$2,963	$247
Nationwide	$2,981	$248
Hartford	$2,992	$249
Hartford	$2,992	$249
Farmers	$2,999	$250
Chubb	$3,075	$256
Travelers	$3,116	$260
Travelers	$3,124	$260
Chubb	$3,136	$261
Kemper	$3,161	$263
Kemper	$3,161	$263
Progressive	$3,198	$267
Travelers	$3,250	$271
Nationwide	$3,330	$278
Hartford	$3,385	$282
Chubb	$3,402	$284
Farmers	$3,557	$296
State National	$3,589	$299
State Farm	$3,591	$299
Allstate	$3,720	$310
AAA California	$3,731	$311
AAA California	$3,734	$311
Nationwide	$3,751	$313
State National	$3,865	$322
Travelers	$3,912	$326
Allstate	$3,923	$327
Chubb	$3,978	$331
Kemper	$3,986	$332
Kemper	$3,986	$332
Chubb	$4,031	$336
Nationwide	$4,068	$339
Chubb	$4,094	$341
Allstate	$4,375	$365
State Farm	$4,618	$385
Hartford	$4,740	$395
Kemper	$4,752	$396
Kemper	$4,752	$396
State National	$4,767	$397
AAA California	$4,921	$410
Chubb	$4,937	$411
Nationwide	$5,325	$444
State Farm	$5,385	$449
Hartford	$5,544	$462
Hartford	$7,416	$618

The amount car insurance rates increase after a violation depends on the violation’s severity. For instance, if you have a DUI in Santa Ana, you will pay up to $1,982 more per year for car insurance, while drivers with a speeding ticket pay $574 more.

Shopping around and comparing rates will help you find the cheapest car insurance if you have a bad driving record.

Cheapest Car Insurance in Santa Ana for Teens and Their Families

The cheapest car insurance companies in Santa Ana for teen drivers on a family policy are:

GEICO: $2,989 per year for female teens and $3,123 per year for male teens
Allstate: $3,307 per year for male teens and female teens

Nationwide has the most expensive rates, at $6,018 per year for both male and female teens.

GEICO’s rates for female teens are $134 cheaper than rates for male teens because male teens are considered riskier to insure. This variation in rates evens out in adulthood.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
GEICO	$1,336	$2,213
GEICO	$1,362	$2,457
GEICO	$1,367	$2,264
GEICO	$1,385	$2,378
GEICO	$1,399	$2,524
GEICO	$1,401	$2,321
GEICO	$1,418	$2,662
GEICO	$1,437	$2,591
GEICO	$1,581	$2,440
GEICO	$1,622	$2,741
Allstate	$1,797	$2,952
Allstate	$1,797	$2,952
Allstate	$1,879	$3,086
Allstate	$1,879	$3,086
Capital Insurance Group	$1,888	$2,320
Capital Insurance Group	$1,888	$2,320
Progressive	$1,904	$2,749
Progressive	$1,904	$2,749
Allstate	$1,927	$3,426
Allstate	$1,927	$3,426
Allstate	$1,944	$3,192
Allstate	$1,944	$3,192
GEICO	$2,029	$3,526
Progressive	$2,061	$2,976
Progressive	$2,061	$2,976
Allstate	$2,075	$3,454
Allstate	$2,075	$3,454
Nationwide	$2,092	$3,973
Nationwide	$2,092	$3,973
GEICO	$2,092	$3,996
Capital Insurance Group	$2,148	$2,746
Capital Insurance Group	$2,148	$2,746
Progressive	$2,206	$3,680
Progressive	$2,206	$3,680
GEICO	$2,219	$3,423
Capital Insurance Group	$2,235	$2,746
Capital Insurance Group	$2,235	$2,746
Capital Insurance Group	$2,235	$2,746
Capital Insurance Group	$2,235	$2,746
GEICO	$2,289	$3,867
Nationwide	$2,291	$4,351
Nationwide	$2,291	$4,351
Progressive	$2,311	$3,338
Progressive	$2,311	$3,338
Nationwide	$2,364	$4,965
Nationwide	$2,364	$4,965
Allstate	$2,385	$4,423
Allstate	$2,385	$4,423
Travelers	$2,389	$3,023
Travelers	$2,389	$3,023
Allstate	$2,423	$4,034
Allstate	$2,423	$4,034
Nationwide	$2,459	$4,669
Nationwide	$2,459	$4,669
Farmers	$2,472	$3,111
Farmers	$2,472	$3,111
Travelers	$2,474	$3,130
Travelers	$2,474	$3,130
Capital Insurance Group	$2,502	$3,090
Capital Insurance Group	$2,502	$3,090
Travelers	$2,528	$3,371
Travelers	$2,528	$3,371
State Farm	$2,556	$3,461
State Farm	$2,556	$3,461
Kemper	$2,566	$3,779
Kemper	$2,566	$3,779
Travelers	$2,583	$3,268
Travelers	$2,583	$3,268
Capital Insurance Group	$2,594	$3,090
Capital Insurance Group	$2,594	$3,090
State Farm	$2,659	$3,600
State Farm	$2,659	$3,600
State Farm	$2,705	$3,904
State Farm	$2,705	$3,904
Kemper	$2,709	$3,991
Kemper	$2,709	$3,991
State Farm	$2,720	$3,683
State Farm	$2,720	$3,683
Progressive	$2,739	$4,032
Progressive	$2,739	$4,032
Nationwide	$2,754	$5,421
Nationwide	$2,754	$5,421
Farmers	$2,773	$3,617
Farmers	$2,773	$3,617
Capital Insurance Group	$2,777	$3,429
Capital Insurance Group	$2,777	$3,429
GEICO	$2,795	$5,093
Travelers	$2,826	$3,542
Travelers	$2,826	$3,542
Kemper	$2,849	$4,682
Kemper	$2,849	$4,682
Farmers	$2,874	$3,617
Farmers	$2,874	$3,617
Farmers	$2,874	$3,617
Farmers	$2,874	$3,617
State Farm	$2,898	$3,983
State Farm	$2,898	$3,983
GEICO	$2,906	$5,814
Kemper	$2,943	$4,335
Kemper	$2,943	$4,335
GEICO	$2,989	$5,662
GEICO	$3,065	$5,585
State Farm	$3,072	$4,429
State Farm	$3,072	$4,429
Travelers	$3,073	$4,099
Travelers	$3,073	$4,099
State Farm	$3,098	$4,259
State Farm	$3,098	$4,259
Farmers	$3,108	$4,154
Farmers	$3,108	$4,154
Travelers	$3,122	$3,912
Travelers	$3,122	$3,912
GEICO	$3,123	$6,534
Allstate	$3,191	$6,379
Allstate	$3,191	$6,379
GEICO	$3,199	$6,400
Kemper	$3,293	$4,958
Kemper	$3,293	$4,958
Allstate	$3,307	$6,725
Allstate	$3,307	$6,725
Farmers	$3,360	$4,785
Farmers	$3,360	$4,785
Allstate	$3,364	$6,725
Allstate	$3,364	$6,725
Farmers	$3,392	$4,534
Farmers	$3,392	$4,534
Nationwide	$3,395	$7,502
Nationwide	$3,395	$7,502
State Farm	$3,417	$5,615
State Farm	$3,417	$5,615
Progressive	$3,426	$5,737
Progressive	$3,426	$5,737
Farmers	$3,536	$6,166
Farmers	$3,536	$6,166
Kemper	$3,557	$5,356
Kemper	$3,557	$5,356
Capital Insurance Group	$3,561	$4,241
Capital Insurance Group	$3,561	$4,241
Capital Insurance Group	$3,561	$4,241
Capital Insurance Group	$3,561	$4,241
Capital Insurance Group	$3,561	$4,241
Capital Insurance Group	$3,561	$4,241
Kemper	$3,588	$5,895
Kemper	$3,588	$5,895
State Farm	$3,620	$5,949
State Farm	$3,620	$5,949
Nationwide	$3,621	$7,129
Nationwide	$3,621	$7,129
Farmers	$3,622	$6,449
Farmers	$3,622	$6,449
Farmers	$3,633	$6,337
Farmers	$3,633	$6,337
Progressive	$3,643	$5,363
Progressive	$3,643	$5,363
State Farm	$3,699	$6,671
State Farm	$3,699	$6,671
Progressive	$3,951	$7,287
Progressive	$3,951	$7,287
Progressive	$3,975	$7,346
Progressive	$3,975	$7,346
Progressive	$3,989	$7,357
Progressive	$3,989	$7,357
Travelers	$4,116	$5,179
Travelers	$4,116	$5,179
Travelers	$4,303	$5,414
Travelers	$4,303	$5,414
Travelers	$4,313	$5,687
Travelers	$4,313	$5,687
Nationwide	$5,185	$10,181
Nationwide	$5,185	$10,181
Kemper	$5,426	$8,054
Kemper	$5,426	$8,054
Nationwide	$5,832	$11,452
Nationwide	$5,832	$11,452
Kemper	$5,959	$8,845
Kemper	$5,959	$8,845
Kemper	$6,014	$9,879
Kemper	$6,014	$9,879
Nationwide	$6,018	$13,818
Nationwide	$6,018	$13,818

If you are looking for the cheapest car insurance for teens, adding a teen to a family policy is much cheaper than purchasing an individual teen policy. An individual teen car insurance policy in Santa Ana costs an average of $4,498 per year, $673 more than the cost of adding them to a family policy.

Cheapest Car Insurance in Santa Ana for Military Drivers

The cheapest car insurance companies in Santa Ana for veterans and active military families are:

USAA: $961 per year
GEICO: $1,079 per year

GEICO and USAA are also the best options for cheap military car insurance in Santa Ana, offering the cheapest rates for minimum coverage at $394 and $422 per year, respectively. USAA caters specifically to drivers with a military background and tailors its services to suit veterans and active duty military and their families.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$389	$32
GEICO	$394	$33
USAA	$422	$35
USAA	$422	$35
GEICO	$464	$39
Progressive	$489	$41
Progressive	$495	$41
Mercury	$499	$42
State Farm	$504	$42
USAA	$510	$43
Mercury	$513	$43
AAA California	$521	$43
AAA California	$547	$46
Kemper	$564	$47
Progressive	$581	$48
Travelers	$581	$48
Travelers	$582	$49
Hartford	$601	$50
State National	$605	$50
State National	$623	$52
Nationwide	$625	$52
Mercury	$629	$52
Farmers	$636	$53
Capital Insurance Group	$650	$54
Kemper	$650	$54
Nationwide	$650	$54
Farmers	$655	$55
Travelers	$663	$55
State Farm	$665	$55
AAA California	$665	$55
Capital Insurance Group	$673	$56
Allstate	$679	$57
Allstate	$686	$57
Hartford	$690	$58
State National	$731	$61
Allstate	$738	$62
Farmers	$743	$62
Capital Insurance Group	$755	$63
State Farm	$759	$63
Chubb	$808	$67
Nationwide	$818	$68
Chubb	$832	$69
Kemper	$861	$72
Hartford	$901	$75
USAA	$940	$78
National General	$949	$79
USAA	$961	$80
National General	$979	$82
GEICO	$1,042	$87
GEICO	$1,079	$90
Progressive	$1,126	$94
Progressive	$1,127	$94
USAA	$1,150	$96
Chubb	$1,160	$97
State Farm	$1,169	$97
Allstate	$1,175	$98
National General	$1,177	$98
Mercury	$1,191	$99
AAA California	$1,199	$100
AAA California	$1,205	$100
Mercury	$1,214	$101
Allstate	$1,232	$103
GEICO	$1,244	$104
Hartford	$1,320	$110
National General	$1,341	$112
Capital Insurance Group	$1,347	$112
State National	$1,354	$113
Progressive	$1,356	$113
Allstate	$1,362	$114
Nationwide	$1,363	$114
National General	$1,367	$114
Capital Insurance Group	$1,428	$119
Kemper	$1,435	$120
State National	$1,456	$121
Travelers	$1,470	$123
Nationwide	$1,474	$123
State Farm	$1,501	$125
Hartford	$1,520	$127
Travelers	$1,531	$128
Mercury	$1,577	$131
AAA California	$1,584	$132
Capital Insurance Group	$1,607	$134
National General	$1,641	$137
Farmers	$1,694	$141
Farmers	$1,736	$145
State Farm	$1,752	$146
Kemper	$1,755	$146
State National	$1,787	$149
Travelers	$1,816	$151
Chubb	$1,905	$159
Nationwide	$1,914	$160
Chubb	$1,967	$164
Hartford	$1,981	$165
Farmers	$2,058	$172
Kemper	$2,149	$179
Chubb	$2,808	$234

How to Compare Cheap Santa Ana Car Insurance Quotes Online

Obtaining car insurance quotes online can take 15 minutes or longer and requires that you enter a significant amount of personal information. Instead, you can use MoneyGeek’s car insurance calculator to get a quick estimate based on just your age, driving record, desired coverage and vehicle type.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

Best Car Insurance in Santa Ana: Summary

The best car insurance companies in Santa Ana, California, are:

Best overall: GEICO (MoneyGeek score 75 out of 100)
Best for service: Chubb (MoneyGeek score 76 out of 100)
Best cheap: GEICO (MoneyGeek score 78 out of 100)

A company’s overall Moneygeek score may vary based on how factors are weighted in each category.

Location can impact rates, which affects affordability scores, so although GEICO is the best provider in Santa Ana, CSAA is the best car insurance in California, with a Moneygeek score of 63 out of 100. USAA received a MoneyGeek score of 85 out of 100 and is the best option in Santa Ana for those with a military background.

Best Overall Car Insurance in Santa Ana

The best car insurance companies in Santa Ana are:

GEICO: MoneyGeek score 75 out of 100 ($1,079 per year)
Progressive: MoneyGeek score 73 out of 100 ($1,127 per year)

GEICO ranked first for affordability out of the 15 providers analyzed and also received high scores in customer satisfaction. This means policyholders get a balance of good customer service and affordable rates.

If you’re a member of the military, consider USAA, which ranked among the best providers in Santa Ana with a MoneyGeek score of 85 out of 100.

How was this MoneyGeek score calculated?

pros

Ranked first for affordability

Offers mechanical breakdown insurance

Roadside assistance coverage

cons

Average claims experience score

No accident forgiveness

COMPANY HIGHLIGHTS

GEICO is the best car insurance company in Santa Ana for drivers looking for a mix of affordability and good service. If you want to cover all parts and systems in your vehicle, including those not covered by a dealer warranty, you can opt for GEICO's Mechanical Breakdown Insurance (MBI). MBI offers more protection at cheaper rates than dealer warranties, but you can only get this coverage if your car is less than 15 months old and with no more than 15,000 miles.

GEICO also offers essential coverage options like roadside assistance which covers emergency services like towing or gas delivery if your car breaks down. Rental car reimbursement pays for a rental car if your vehicle is not driveable within 24 hours of a covered accident.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Santa Ana for Customer Service

MoneyGeek excluded cost as a factor and found that the best car insurance companies in Santa Ana for customer service are:

Chubb: MoneyGeek score 76 out of 100 ($1,905 per year)
Capital Insurance Group: MoneyGeek score 68 out of 100 ($1,428 per year)

Chubb ranked first for claims and customer satisfaction out of the 15 providers in the comparison group, making it the best provider for those who value service quality over cost. However, since Chubb has the most expensive rates among the providers analyzed, policyholders pay a premium for excellent customer service.

How was this MoneyGeek score calculated?

pros

Ranked first for customer satisfaction

Ranked first for claims experience

Offers original equipment manufacturer (OEM) coverage

cons

Limited coverage options

COMPANY HIGHLIGHTS

If you prioritize service quality over cost, Chubb is the best insurer in Santa Ana. This provider has a good track record in claims and customer service, ranking first in both categories in the comparison group.

Chubb's original equipment manufacturer (OEM) coverage is an ideal add-on to ensure your vehicle is repaired with original manufacturer parts after an accident or covered incident. The company also offers rental car or travel reimbursement coverage.

Chubb provides diminished value coverage, which allows you to be reimbursed based on your vehicle’s agreed-upon value at the time of signing up. This means that if the car is a total loss, you will not be reimbursed based on the diminished value of the car. Chubb also offers antique car insurance if your vehicle is more than 30 years old.

Best Cheap Car Insurance in Santa Ana

MoneyGeek analyzed providers offering minimum coverage policies based on affordability and service quality and found that the best cheap car insurance companies in Santa Ana are:

GEICO: MoneyGeek score 78 out of 100 ($394 per year)
Progressive: MoneyGeek score 71 out of 100 ($489 per year)

If you are on a budget, the cheapest minimum coverage policies offer the lowest rates. However, they offer the least protection against liability costs and don’t cover damages to your car.

How was this MoneyGeek score calculated?

pros

Affordable minimum coverage at $394 per year

Offers bundling, safe driving and new vehicle discounts

High rating for customer satisfaction

cons

Below-average claims score

COMPANY HIGHLIGHTS

GEICO offers the best cheap car insurance in Santa Ana if you are looking for the most affordable policy. This provider ranked first in affordability and received high scores in customer satisfaction, so policyholders can expect good service at inexpensive rates.

GEICO offers a wide range of discounts to help you save, including a safe driving discount for those who maintain a clean record for at least five years. You will also get a discount for bundling your car insurance with home or renters insurance. Multiple car and good student discounts are also available.

If you have advanced safety features or equipment in your vehicle, such as anti-lock brakes, airbags or an anti-theft system, you qualify for a discount. You can also get a discount if you are a senior driver, a federal employee or in the military.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Santa Ana

The average cost of car insurance in Santa Ana is $1,399 per year for a full coverage policy with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 property damage liability.

Rates in Santa Ana are $12 higher than the average cost of car insurance in California, at 1,387 per year as of October 2022. Santa Ana drivers also pay up to $122 more than the average national cost of car insurance, $1,265 per year.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

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Cheapest and Best Car Insurance Companies in Santa Ana, CA

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On This Page:

Cheapest Minimum Liability Car Insurance in Santa Ana

Cheapest Full Coverage Car Insurance in Santa Ana

Cheapest Car Insurance in Santa Ana After a Driving Offense

Cheapest Car Insurance in Santa Ana for Teens and Their Families

Cheapest Car Insurance in Santa Ana for Military Drivers

How to Compare Cheap Santa Ana Car Insurance Quotes Online

Best Car Insurance in Santa Ana: Summary

Best Overall Car Insurance in Santa Ana

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Santa Ana for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Santa Ana

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Santa Ana