Santa Ana, CA Auto Insurance | Cheap Car Insurance in Santa Ana, CA
Santa Ana, CA auto insurance requires a minimum liability coverage of 15/30/5. Drivers searching for cheap car insurance in Santa Ana, CA can pay $64/month with both 21st Century and Nationwide. Some of the best Santa Ana, CA car insurance companies are: 21st Century, Kemper Specialty, Mercury, Bristol West, and Nationwide.
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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...
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UPDATED: Nov 17, 2020
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California auto insurance requires all drivers to have 15/30/5 in liability coverage. Liability insurance pays if the driver is at fault for the accident. It may be advisable to get more than the minimum in the event the car is stolen, or someone else causes the accident. Drivers looking for cheap car insurance in Santa Ana, CA have several choices. The best Santa Ana, CA car insurance companies providing affordable premiums are 21st Century, Kemper Specialty, Mercury, Bristol West, and Nationwide. 21st Century and Nationwide lead the pack at $64/month for Santa Ana, CA auto insurance.
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+)”.
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 to get Santa Ana, CA auto insurance quotes – it’s so simple!
Auto Insurance Coverage Requirements in California
Driving legally in California requires the following types of insurance coverage to be purchased:
|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 cars 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!
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Cheap Car Insurance in Santa Ana, California
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. The same way Auto International Insurance in Santa Ana, CA may differ from Just Auto Insurance Santa Ana, CA or Gonzalez Auto Insurance in Santa Ana, CA differing from AAA Auto Insurance Santa Ana, CA. Additionally, there are a variety of providers to research, including Fiesta Auto Insurance Santa Ana, CA, Calle’s Insurance Santa Ana, State Farm Auto Insurance in Santa Ana, California and more. 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 Santa Ana, CA auto insurance rates. 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.
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.
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.
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 Santa Ana, CA auto insurance 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.
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.
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. Santa Ana, CA auto 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.
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.
Minor Factors in Cheap Car Insurance in Santa Ana, California
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.
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.
California Department of Insurance
California Division of Financial Institutions
Department of Highway Safety and Motor Vehicles