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.

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Last Updated: 5/16/2022
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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.

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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.

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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

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.

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The Best Car Insurance Companies in Santa Ana

If you want a balance between affordability and quality service, MoneyGeek ranked the best auto insurance carriers in Santa Ana. According to MoneyGeek’s research, the best car insurance companies in the city for most drivers are:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA received the highest score in Santa Ana with MoneyGeek's rating system. It is the best choice for eligible military members, veterans and their families.

To calculate the final scores out of 100, MoneyGeek used several criteria, including J.D. Power customer satisfaction, affordability and financial stability ratings.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

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’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


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.