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Cheap Car Insurance in Santa Ana, CA

Want cheap auto insurance in Santa Ana, CA? At AutoInsuranceEZ.com, we can help you find it. All you need to do is type in your local zip code in the quote box down below – it’s so simple!

The city of Santa Ana is located approximately 10 miles away from the Pacific Coast along the Santa Ana River. It also shares its namesake with the Santa Ana Mountains, and the annual Santa Ana winds (which occasionally exacerbate seasonal wildfire problems). Although Santa Ana is only the 57th most populated city in all of the United States, its population density ranks it among tightly-packed cities such as New York and Boston.

  • Fun fact: you may be surprised to find out that Santa Ana is #2 on the list of “Top 101 cities with largest percentage of females in occupations: Sales representatives, services, wholesale and manufacturing (population 50,000+)”. Learn more about Santa Ana by visiting here.

Auto Insurance Coverage Requirements in California

Driving legally in Santa Ana requires:

Coverage Requirements Most Common
Bodily Injury Liability 15,000/30,000 100,000/300,000
Property Damage Liability 5,000 100,000
Uninsured Motorist Bodily Injury Not required 20,000/40,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible


The average motorist can be expected to pay $1,616 for car insurance in Santa Ana. Residents may be disappointed to learn that not only is this price 6% higher than anything else in Orange County, but a whopping 31% higher than typical rates for auto insurance in California. Fortunately, you don’t have to agree to such high prices if you don’t wish to; just keep reading and uncover new ways to save money!

Those that offer vehicle insurance plans evaluate several elements when establishing insurance prices, such as marital status, where you live, your credit report, miles driven each year, and theft protection devices. Also don’t forget that premiums could differ from one company to another. To find out if that you’re still getting the lowest-cost fee, compare cheap Santa Ana automotive insurance costs on the internet.

Factors that will Determine the Costs of Car Insurance in Santa Ana, California

The moment your motor vehicle insurance company prepares to come up with your plan, they take quite a few aspects into account. Many of these, for instance how old you are or your specific region, are usually very unlikely to change. Here are a few additional examples:

Your Zip Code

The spot where you park your automobile every night will probably have a major impact on your motor vehicle insurance rate. Usually, automobile insurance is cheaper in non-urban regions because fewer automobiles means a smaller chance that you’ll get into a collision with some other automobile. The population of Santa Ana is 324,528 plus the common household income is $53,211.

Auto Thefts

Almost all insurance companies are concerned regarding auto theft; this is especially true for car owners who live in big cities. The higher the population, the higher the chance that you will have to submit an auto robbery claim. In recent years, there were 1,275 stolen cars in Santa Ana.

Driving Distance to Work

Santa Ana residents do their best to alleviate traffic problems (25% carpool and 6% take the bus), but for most, it still takes at least 30 minutes to get to work each day. Around 54% still drive alone in their own vehicle for their daily commute, which might result in some serious traffic snarls in such a densely populated city.

Education in Santa Ana, CA

One reason insurance rates in Santa Ana might be so high could have to do with education; more than half of the population (57%) has yet to complete all four years of high school and earn their diploma. An additional 16% have finished high school or earned an equivalent degree. But it’s never too late to go back to school, and doing so could significantly lower your automobile insurance costs!

Several opportunities for achieving a higher level of education are present in Santa Ana. One of the largest is the Santa Ana College, which is a community college open to the public. California Coast University is a private, distance education facility which is located in Santa Ana as well. Those interested in the legal field can also check out Taft Law School.

How We Conducted Our Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

California Department of Insurance

California Division of Financial Institutions

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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