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 and Best Car Insurance in Santa Ana, CA
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.
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.
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.
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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.
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.
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.
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.
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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?
Ranked first for affordability
Offers mechanical breakdown insurance
Roadside assistance coverage
Average claims experience score
No accident forgiveness
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.
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?
Ranked first for customer satisfaction
Ranked first for claims experience
Offers original equipment manufacturer (OEM) coverage
Limited coverage options
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?
Affordable minimum coverage at $394 per year
Offers bundling, safe driving and new vehicle discounts
High rating for customer satisfaction
Below-average claims score
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.
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.
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