bestauto insuranceSanta AnaCompare the Cheapest Car Insurance Quotes in Santa Ana, CA
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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.
bestauto insuranceSanta AnaThe Cheapest and Best Car Insurance in Santa Ana
Cheapest Overall - Esurance
Cheapest State Minimum - USAA
Cheapest With a Driving Violation - Esurance
Best Overall - AAA
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
- Company100/300/100per year
- 1.$1,034
- 2.$1,113
- 3.$1,157
- 4.$1,248
- 5.$1,276
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.
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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
- CompanyState Minimumper year
- 1.$458
- 2.$496
- 3.$509
- 4.$568
- 5.$580
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
- ItemDescription
- 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
- CompanySpeeding Ticketper year
- 1.$1,215
- 2.$1,306
- 3.$1,650
- 4.$1,725
- 5.$1,811
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.
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 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 out of 100, USAA is the best auto insurance company in Santa Ana for eligible military members.
1
Esurance
Score:91
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 Review2
GEICO
Score:81
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 Review3
AAA
Score:79
4
Progressive
Score:73
5
MetLife
Score:70
6
Mercury
Score:65
7
Allstate
Score:63
8
Travelers
Score:52
9
State Farm
Score:46
10
Farmers
Score:43
11
Hartford
Score:32
12
Allied
Score:19
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
- 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.
About Mark Fitzpatrick
