Best Auto Insurance Rates in Santa Ana, California

On average your neighbors pay $70 a month.

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Compare Auto Insurance in Santa Ana

Friday, November 9 2018 By QuoteWizard

Santa Ana, California is the heart of Orange County, home to such companies as Rickenbacker guitars, The OC Register, a number of financial institutions, and Wahoo’s Fish Tacos. Like most of southern California, there is an abundance of freeways. Whether you’re taking the 55, the 22, the 5, or the 91, you should compare car insurance rates before buying a policy.

Average Santa Ana Car Insurance Rates

How much does car insurance in Santa Ana, CA cost? This city has one of the nation's worst vehicle theft rates. That, combined with a higher than average frequency of accidents (and insurance claims) means average insurance rates in Santa Ana are higher than both the state and national averages. The average cost of auto insurance in California is $841.45 a year. The national average cost is $889.01.

Prices may vary depending on your driving record and the total number of claims filed in your zip code.

California Average Annual Car Insurance Rates
Coverage Rates
Liability $489.66
Collision $396.55
Comprehensive $100.54
Total Cost Per Year $841.45
Price Per Month $70.12
Source: Facts + Statistics: Auto insurance

The graph below shows the most recent year California's rate data is available. According to the III, California car insurance rates increased from $740 in 2011 to $841 in 2015, a jump of $101, or 13.66 percent.

California average car insurance rates

QuoteWizard helps consumers compare quotes from both top national insurance companies and local agents. Comparing quotes can help you find cheap car insurance rates near Santa Ana, California and save up to 40% on your premium.

Last year, 3,776 people used QuoteWizard to compare car insurance quotes in Santa Ana, CA from multiple companies to find the lowest rates.

Best Car Insurance Companies in Santa Ana, CA

This is our list of the most common car insurance companies reported by QuoteWizard users living in Santa Ana, CA last year.

  1. Allstate
  2. Farmers
  3. GEICO
  4. Mercury
  5. Progressive
  6. AAA
  7. State Farm
  8. Infinity
  9. AIG
  10. Esurance

Other popular Santa Ana, California car insurance companies: 21st Century, Liberty Mutual, Allied, USAA, Country Financial, Safeco, MetLife, Travelers, and Hartford.

Top 10 Vehicles

This is our list of the 10 most common car makes and models owned by Santa Ana drivers requesting quotes through QuoteWizard in the past year.

  1. Honda Accord EX/LX
  2. Toyota Camry LE/XLE/SE
  3. Honda Civic EX/LX/DX
  4. Ford F150
  5. Toyota Corolla CE/LE
  6. Ford Mustang
  7. Nissan Altima 2.5 S
  8. Honda CR-V EX
  9. Toyota Tacoma
  10. Toyota Prius

Minimum Car Insurance Requirements in Santa Ana, CA

Santa Ana, California drivers must follow the 15/30/5 minimum liability coverage rule. This rule requires drivers to maintain policies that include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The total your insurance company will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The most your carrier will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The maximum your insurer will pay for property damage caused by a car accident.

Santa Ana Drivers

According to a recent report published by Allstate Insurance when it comes to safe driving, Santa Ana, CA ranked 135th out of 200 cities. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 8.1 years.

Driving Conditions

Several factors that can influence insurance rates are the driving, weather, and road conditions.

Weather

Santa Ana residents enjoy a Mediterranean climate with hot, dry summers. Winters are mild and warm and the city gets very little precipitation averaging only 13.63 inches a year with nearly all of it occurring between December and March.

Road Conditions

TRIP reports that 57 percent of the major roads in Santa Ana are in poor condition. These poorly maintained, pothole-filled streets are costing drivers $921 a year in extra vehicle operating costs.

Moving Violations

Moving violations like speeding tickets, accidents, and drunk driving will wind up on your driving record. Once your insurer finds out, you can expect to pay higher rates.

Traffic Tickets

The Superior Court of California County of Orange traffic website allows residents to pay traffic tickets. It also tells drivers how to contest tickets, and provides helpful traffic court information.

SR-22 DUI Insurance

A DUI may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Santa Ana DUI insurance.

Traffic Fatalities

Santa Ana experienced 26 deaths in motor vehicle crashes in 2013. This works out to a fatality rate of 3.89 per 100,000 residents. All traffic deaths are a tragic loss, but considering Santa Ana’s estimated population of 334,217 this is a relatively safe city in terms of traffic fatalities.

Vehicle Theft Rates

Santa Ana Police recorded 1,869 vehicle thefts in 2016. That's a rate of 5.57 per 1,000 residents.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your insurance rates. These are some of the many auto insurance discounts available to Santa Ana, CA drivers.

  1. Drivers 55 and older can get the senior discount or the 55 and retired discount
  2. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling your policies and vehicles under one policy can save you up to 20% off your premium
  3. Safe driver. If you have a perfect driving record, you may qualify for the accident free discount or the safe driver discount
  4. Drive less. Live close to work and get the low mileage discount
  5. Maintain at least a B grade point average in school to qualify for the good student discount
  6. Get a new car. You might qualify for the new car discount offered by many insurance carriers. If the car has safety features like electronic stability control or anti-lock brakes, you may receive further discounts

Sources:

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