Santa Ana, CA Car Insurance
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By Sandra Cruz | Updated March 9, 2021
Santa Ana drivers pay an average of $220 monthly for car insurance. Your age, location, driving record, and other contributing factors can drive an increase or decrease to your car insurance quotes. Read our Santa Ana car insurance guide to learn how to save on your next policy. Insurance Online compares rates from the best cheap car insurance companies with our five-star insurance quote comparison tool.
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How Much Is Santa Ana Car Insurance On Average?
Santa Ana auto insurance average rates are based on multiple factors such as credit score, age, driving history, and marital status. Typically, most Santa Ana drivers pay $1,944 yearly for car insurance. Comparatively, it is higher than California’s statewide annual average of $1,858 and the nation's annual average of $1,538.
Santa Ana Car Insurance Rates by Insurer
Santa Ana Car Insurance companies have substantial differences in terms of pricing, coverage, and disounts offered to drivers. It is vital to compare rates from multiple companies and extensively compare their deals before choosing one that best suits your needs. Choosing the cheapest rates may not always be an ideal decision, especially if you drive in areas prone to accidents or have if you been in an accident in the past. GEICO offers the cheapest car insurance rates in Santa Ana and is worth considering for your next policy.
Santa Ana Auto Insurance Rates by Insurer
| Company Name | Monthly Rate | Yearly Rate |
|---|---|---|
| GEICO | $110 | $1,315 |
| AAA | $150 | $1,799 |
| Mercury | $121 | $1,457 |
| Infinity | $158 | $1,891 |
| Statefarm | $157 | $1,886 |
Santa Ana Car Insurance Premiums by Age
Age affects insurance rates because it is one factor insurance companies consider in judging a person’s ability to drive and their potential risk of filing a claim. As the driver ages, relatively, insurance become cheaper. If you are a teenage driver, you will pay more for car insurance than experienced, older drivers. Teenage drivers are considered more at risk of getting into an accident and therefore they pay the most. However, after a teenage driver celebrates his/her 20th and 25th birthday, their rates will significantly decrease. On the other hand, older drivers in their 70s pay more than those in their 50s and 60s.
Santa Ana Car Insurance Rates by AGE
| AGE GROUP | Monthly Rate | Annual Rate |
|---|---|---|
| Below 20 | $597 | $7,168 |
| 20s | $241 | $2,889 |
| 30s | $158 | $1,893 |
| 40s | $153 | $1,832 |
| 50s | $145 | $1,745 |
| 60s | $145 | $1,736 |
| 70s | $168 | $2,019 |
Santa Ana Auto Insurance Rates By Marital Status
Marital status is considered by auto insurers in Santa Ana when calculating quotes for multiple reasons. Married couples are considered more financially stable in contrast to other marital statuses. Also, married drivers are expected to be more responsible and extra careful on the road. Married drivers pay $79 less than single drivers annually for auto insurance in Santa Ana.
Morover, gender is another factor accounted for by car insurance companies when calculating car inurance rates. In terms of gender, Santa Ana female drivers pay $5 more than male drivers annually.
Santa Ana Car Insurance Rates by Marital Status
| Marital Status | Monthly Rate | Yearly Rate |
|---|---|---|
| Single | $155 | $1,864 |
| Female | $162 | $1,949 |
| Male | $162 | $1,944 |
| Married | $155 | $1,864 |
| Divorced | $162 | $1,944 |
| Widowed | $158 | $1,891 |
Santa Ana Car Insurance Rates by Violation History
If you are a high-risk driver, then you are not an ideal client for car insurance companies in Santa Ana. They account for every angle of risk in your driver profile before providing you with a quote. Risk factors include your behavior behind the wheel, past violation records, location, speeding tickets, and credit history. Some insurance companies have the right to reject high-risk drivers, and others are more likely to insure high-risk drivers at an additional cost.
Driving violations in Santa Ana such as DUI or DWI will cost drivers an extra $3,241 per year while speeding tickets will add an extra $789 to their rate annually.
Santa Ana Car Insurance Rates By Violation Or Accident
| Violation | Monthly Rate | Annual Rate |
|---|---|---|
| DWI/DUI | $433 | $5,195 |
| Reckless Driving | $441 | $5,294 |
| At-Fault Accident with < $1000 Damages | $163 | $1,951 |
| At-Fault Accident with < $2000 Damages | $283 | $3,401 |
| Speeding Ticket with 16-20mph Over Speed Limit | $229 | $2,743 |
Santa Ana Car Insurance Rates by Credit Score
Your credit score can also impact your insurance rates in other states, but not Santa Ana. If you start with a low credit score between 300 to 579, then move up to a score of 800 to 850, you are still not entitled to a decrease in your car insurance rates. In Santa Ana and throughout the state of California, credit score is no longer an applicable factor insurers are allowed to use because it is viewed as discriminatory by California law makers.
Santa Ana Auto Insurance Rates by Credit Tier
| Credit Level | Monthly Rate | Annual Rate |
|---|---|---|
| Very Poor | $162 | $1,944 |
| Fair | $162 | $1,944 |
| Good | $162 | $1,944 |
| Very Good | $162 | $1,944 |
| Exceptional | $162 | $1,944 |
Other Factors That Impact Car Insurance Rates In Santa Ana, CA
Santa Ana car insurance companies account for age, marital status, and driving history when calculating insurance rates. However, there are other factors insurers consider when calculating your quote.
Your location plays a significant role in the cost of your car insurance. If you reside in areas of Santa Ana prone to accidents, theft, crime, and uninsured motor vehicle drivers, then it is likely for your insurance rate to go up. Every ZIP code has specific risk factors; thus, prices vary. Drivers who live in areas of Santa Ana with high-risk ZIP codes pay 17% ($215) annually.
Santa Ana Car Insurance Rates by ZIP Code
| Santa Ana ZIP Codes with Expensive Rates | Santa Ana ZIP Code with Cheaper Rates |
|---|---|
| 92706 | 92705 |
| 92701 | 92799 |
| 92707 | 92725 |
| 92704 | 92708 |
| 92703 | 92706 |
Weather conditions in Santa Ana are also considered a risk. Wet roads, loose brakes, low visibility, and other succeeding factors can cause accidents due to bad weather. Santa Ana experiences 31 rainy days a year. An average of 710,000 weather-related accidents occur every year in California. Hence, weather and driving conditions are crucial factors considered when calculating your Santa Ana car insurance rates.
Santa Ana Car Insurance FAQs
What is the difference between uninsured motorist liability and comprehensive coverage in Santa Ana, CA?
It is required by the state to have liability coverage if you want to drive on the road. If in certain cases that an uninsured motorist hits you, it is inevitable for the motorist to pay for all the medical bills out of his/her pocket.
Is there a grace period for acquiring car insurance in Santa Ana, CA after buying a used car?
There is a grace period of 45 days to cancel your old policy, renew, or get new car insurance if you already have car insurance on your previous car.
Sandra Cruz | Linkedin
Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.