Looking for the best car insurance in Santa Ana? Car insurance companies consider many factors when determining your premiums, including the city you live in. Drivers should obtain personalized quotes from different car insurance companies in their area and compare them to know what brand offers the most affordable option.
Compare the Cheapest Car Insurance Quotes in Santa Ana, CA
- The Best Cheap Car Insurance in Santa Ana
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 Cheap Car Insurance Companies in Santa Ana
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.
Scroll for more
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.
Cheapest Car Insurance in Santa Ana by Coverage Amount
How much car insurance coverage you purchase in Santa Ana also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
Visit these guides to learn more:
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 by Coverage Type
Cheapest Car Insurance in Santa Ana if You Have Tickets
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.
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.
Shopping around for car insurance in Santa Ana could save you $381, which is enough to buy:
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.
About the Author