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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 California requires the following types of insurance coverage to be purchased:

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

 
Do you have liability coverage, currently? What about comprehensive coverage? Do you drive around with expensive property in your vehicle, and need an extra insurance supplement to cover those belongings? It’s tempting to buy the bare minimum in order to save the most amount of money; but you should also consider how risky it is to purchase an insufficient amount of coverage.

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!

Average Monthly Auto Insurance Premiums Legend: Santa Ana 21st Century Kemper Specialty Mercury Bristol West Nationwide 7 14 21 28 35 42 49 56 63 70 77 84 91 $64 $88 $92 $96 $64

 
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.

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 Insurance By Zip Code Legend: Santa Ana Los Angeles Oakland 21st Century Kemper Specialty Mercury 10 20 30 40 50 60 70 80 90 100 110 120 130 $64 $102 $59 $88 $108 $63 $92 $135 $68

Automotive Accidents

Accident statistics, as you can see in the graph below, are relatively low given the population density of Santa Ana. Of particular interest is the low level of drunk driving accidents the city has experienced recently. Obviously, a responsible driver never gets behind the wheel after they’ve had too much to drink. But knowing that other people who live in your city feel the same way is a good thing to mention to your auto insurance agent.

Fatal Accidents in Santa Ana, CA Legend: Santa Ana Fatal Accidents Vehicles Involved in Fatal Accidents Fatal Crashes Involving Drunk Persons Fatalities Persons Involved in Fatal Crashes Pedestrians Involved in Fatal Crashes 5 10 15 20 25 30 35 $17 $25 $5 $19 $37 $10

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.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage 21st Century Kemper Specialty Mercury 25 50 75 100 125 150 175 200 225 250 275 300 $64 $173 $88 $307 $92 $169

Your Credit Score

Do you have good credit? Bad credit? No credit? Well, unlike catchy tv and radio commercials, it can be a problem if you want to get a lower rate on your car insurance coverage. Insurance companies like to offer more affordable premiums when they know their driver has a good credit score. They assume it means that this person is more reliable when it comes to paying premiums and following the rules of the road in order to avoid accidents.

Your Age

Getting the keys to your first car is an exciting time and every teenager’s life. It’s also a very expensive one when it comes to auto insurance coverage. Whether you’re a young adult driver paying for your own policy or whether you’re the concerned parent of a new driver, managing the costs of insuring a young and experienced motorist can be extremely difficult when that person is under the age of 25.

Auto Policy Age Comparison Legend: 17 Year Old Driver 35 Year Old Driver 21st Century Kemper Specialty Mercury 25 50 75 100 125 150 175 200 225 250 275 300 $322 $64 $196 $88 Does Not Sell $92

Your Driving Record

If you watch your speed, follow the rules of the road, and do everything you can to avoid getting into an accident, it can literally pay off when it comes to your car insurance premiums. Insurance companies assume that your safe driving record means you won’t be getting into an accident anytime soon – and you won’t be costing them any extra money by filing claims. These companies conversely assume that drivers with a blemished record will be expensive and risky to ensure. But even if you have an imperfect record, all you need to do is change your driving habits until your accident and a ticket free for at least 3 years. After that time period, you should start seeing some discounts.

Driving Violations Legend: Perfect Record Minor Violation Major Violation 21st Century Kemper Specialty Mercury 20 40 60 80 100 120 140 160 180 200 220 $64 $99 $233 $88 $115 $126 $92 $127 $197

Your Vehicle

For the most part, your insurance policy follows your vehicle and not you. That’s why it’s so important for your insurance company to know what you drive and how often you drive it. Calculating a premium on a brand new Ford Escalade with advanced trim options is very different from issuing an insurance policy on a 2000 Dodge Neon. The age, price tag, and even safety options of the vehicle you own will have a significant impact on your monthly premium.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2015 Chevy Corvette 21st Century Kemper Specialty Mercury 20 40 60 80 100 120 140 160 180 200 220 $64 $224 $88 $140 $92 $179

Minor Car Insurance Factors in Santa Ana

There’s a lot of hard data which clearly shows what you can expect to pay based on your age, credit score, the vehicle you drive, and more. But there are other, easier ways to save money and some overlooked ways which most drivers don’t usually consider. Such as:

Your marital status

Are you single? Are you currently married? Are you planning on getting married? If you have a significant other, you can save money by letting your insurance agent know about your status. You can save even more money by bundling the two of you together onto the same insurance policy – and you don’t necessarily need a piece of paper from the courthouse to do it. Live-in partners may be able to get the same discounts under certain circumstances.

Your Gender

Altering monthly premiums based on gender has been a controversial business strategy as of late. Different statistical models may show that males are more aggressive and therefore more dangerous behind the wheel, while other data may suggest otherwise. Some insurance companies have given up basing their premium calculations on gender altogether. But if your provider is not one of these companies, rest assured that the monthly charge for your coverage it’s only about 2-3% different.

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.

Speaking of driving distance, keeping track of your annual mileage may give you an opportunity to reduce your monthly premiums. The fewer miles you drive, the less risk you have of getting into an accident. Some companies will give you a nominal discount if you can manage to cut your mileage by 5,000 miles or more per year. Certain providers, however, can give you up to a 30% discount eye tracking your miles with plug-in devices.

Your Coverage and Deductibles

Do you know how much your deductible is? Surprisingly, a lot of drivers don’t. Having a low deductible can save you money on your premiums, but it can be disastrous if you need to file a claim but don’t have that deductible money saved up. Make sure you figure out what the right amount of money is to set your deductible at. You don’t want to pay too much for your coverage with a low deductible, but at the same time you don’t want to be stranded without a vehicle because you can’t afford to pay for a higher one.

Your Education Level and your Insurance Rates

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.

Insurance is among the most important investments you can make as an automobile owner. You must ensure you discover a reputable, accountable business who is going to follow through on their offers. A handful of vehicle insurance agencies are usually better at this than the others, and conducting a conscientious online investigation can assist you distinguish the good from the inadequate.

How We Conducted Our Car Insurance 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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