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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.

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2023

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.

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.

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.

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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.

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.

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.

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.

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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?

GEICO

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?

Chubb

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?

GEICO

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 headshot

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.