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
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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.
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 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.
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Company
Amountper year
1. Esurance
In 2021, Esurance ranked #1 in Santa Ana for the cheapest car insurance for the average driver.
$1,034
2. USAA
In 2021, USAA ranked #2 in Santa Ana for the cheapest car insurance for the average driver.
$1,113
3. Progressive
In 2021, Progressive ranked #3 in Santa Ana for the cheapest car insurance for the average driver.
$1,157
4. GEICO
In 2021, GEICO ranked #4 in Santa Ana for the cheapest car insurance for the average driver.
$1,248
5. MetLife
In 2021, MetLife ranked #5 in Santa Ana for the cheapest car insurance for the average driver.
$1,276
6. Allstate
In 2021, Allstate ranked #6 in Santa Ana for the cheapest car insurance for the average driver.
$1,281
7. AAA
In 2021, AAA ranked #7 in Santa Ana for the cheapest car insurance for the average driver.
$1,305
8. Mercury
In 2021, Mercury ranked #8 in Santa Ana for the cheapest car insurance for the average driver.
$1,400
9. Hartford
In 2021, Hartford ranked #9 in Santa Ana for the cheapest car insurance for the average driver.
$1,550
10. Farmers
In 2021, Farmers ranked #10 in Santa Ana for the cheapest car insurance for the average driver.
$1,623
11. Travelers
In 2021, Travelers ranked #11 in Santa Ana for the cheapest car insurance for the average driver.
$1,651
12. Allied
In 2021, Allied ranked #12 in Santa Ana for the cheapest car insurance for the average driver.
$1,726
13. State Farm
In 2021, State Farm ranked #13 in Santa Ana for the cheapest car insurance for the average driver.
$1,730
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.
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
| 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. |
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
Liability Only
| Company | State Minimumper year | 50 / 100 / 50per year |
|---|---|---|
| 1. USAA | $458 | $592 |
| 2. Esurance | $568 | $685 |
| 3. Progressive | $496 | $690 |
| 4. GEICO | $509 | $700 |
| 5. AAA | $595 | $728 |
| 6. MetLife | $660 | $901 |
| 7. Mercury | $580 | $808 |
| 8. Allstate | $760 | $874 |
| 9. Hartford | $738 | $947 |
| 10. Travelers | $675 | $934 |
| 11. Farmers | $808 | $949 |
| 12. Allied | $802 | $1,040 |
| 13. State Farm | $853 | $1,139 |
Full Coverage
| Company | 50 / 100 / 50per year | 100 / 300 / 100per year |
|---|---|---|
| 1. USAA | $1,047 | $1,113 |
| 2. Esurance | $985 | $1,034 |
| 3. Progressive | $1,055 | $1,157 |
| 4. GEICO | $1,138 | $1,248 |
| 5. AAA | $1,179 | $1,305 |
| 6. MetLife | $1,183 | $1,276 |
| 7. Mercury | $1,297 | $1,400 |
| 8. Allstate | $1,208 | $1,281 |
| 9. Hartford | $1,434 | $1,550 |
| 10. Travelers | $1,528 | $1,651 |
| 11. Farmers | $1,514 | $1,623 |
| 12. Allied | $1,590 | $1,726 |
| 13. State Farm | $1,558 | $1,730 |
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.
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.
| Company | Speeding Ticketper year | At-Fault Accidentper year | DUIper year |
|---|---|---|---|
| 1. Esurance | $1,306 | $1,620 | $2,566 |
| 2. USAA | $1,215 | $1,940 | $3,144 |
| 3. Mercury | $1,834 | $2,428 | $2,295 |
| 4. GEICO | $1,844 | $2,099 | $2,936 |
| 5. Progressive | $2,213 | $2,408 | $2,766 |
| 6. AAA | $1,725 | $1,992 | $4,070 |
| 7. Allstate | $1,811 | $2,275 | $4,033 |
| 8. Farmers | $2,229 | $2,785 | $2,785 |
| 9. Travelers | $2,481 | $2,760 | $3,432 |
| 10. Allied | $2,420 | $2,781 | $4,181 |
| 11. State Farm | $2,553 | $2,659 | $5,321 |
| 12. MetLife | $1,650 | $2,147 | $8,017 |
| 13. Hartford | $2,442 | $3,428 | $5,728 |
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 |
top ratedCar Insurance agentsSanta Ana2021Top Agents Offering Affordable Car Insurance in Santa Ana
1. Insurance Partners2107 N Broadway, Ste 108, Santa Ana, CA, 92706
2. Ngoc Phung - State Farm Insurance Agent4702 W 1st St, Ste D, Santa Ana, CA, 92703
3. Eddie Quillares Jr - State Farm Insurance Agent415 N Broadway, Santa Ana, CA, 92701
4. Shelly Padilla - State Farm Insurance Agent2424 N Grand Ave, Ste B, Santa Ana, CA, 92705
5. Steve Younglove1905 N Main St, Ste B, Santa Ana, CA, 92706
Insurance Providers That Serve 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:
127Cups of Coffee
29Months of Your Favorite Streaming Service
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 overage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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.