How Much Does Car Insurance Cost in Santa Ana?
Santa Ana premiums, which are 8% higher than the state average, are recognized for being pricey. Therefore in Santa Ana, it is important to cut costs while insuring a vehicle. Let's take a look at how car insurance costs in Santa Ana compare to rates nationwide.
CAR INSURANCE PREMIUMS: SANTA ANA VS. US/STATE AVERAGES
|City Average||State Average||National Average|
Santa Ana Auto Insurance Rates by Age
Drivers in Santa Ana see the largest reduction in premiums when they reach their 20s, as they save an average of $5,300 from moving out of the teenage age range. The first time drivers can anticipate their age to trigger a rise in insurance rates is when they turn 70. Among all age groups, drivers in their 60s have the lowest insurance payments, with rates of $1,626 per year. People in their 50s ($1,669) aren’t paying much more. Teenage drivers are the ones who pay the most in car insurance premiums, with payments of $6,926 on average.
SANTA ANA CAR INSURANCE RATES BY AGE
Santa Ana Car Insurance by Violation or Accident History
Does your driving record show a history of accidents or violations? That can influence your car insurance premiums. Do you want to increase your insurance premiums by a whopping $658? If not, keep an eye on your speed because getting pulled over for speeding by 16-20mph in Santa Ana will spark that increase. When comparing rates for drivers with at-fault accidents in Santa Ana, those with damages exceeding $2,000 pay $1,167 more than those with damages less than $1,000.
AVERAGE SANTA ANA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation/Incident||Average Insurance Rate|
|At-fault Accident (damages less than $1,000)||$1,886|
|At-fault Accident (damages greater than $2,000)||$3,052|
|Speeding Ticket (16-20 mph over speed limit)||$2,544|
Santa Ana Auto Insurance by Gender and Marital Status
Pricing for car insurance premiums in Santa Ana is dictated by a lot of rating factors, including marital status and gender. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Single individuals spend $82 more per year on car insurance compared to those who are married. Premiums are cheaper for men, but barely. Men normally pay $6 less than women every year for insurance.
SANTA ANA CAR INSURANCE RATES BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
* Credit score, while used in other states, is considered discriminatory in California and thus is not used as a rating factor when companies determine how much you'll pay for auto insurance.
What drives up car insurance rates in Santa Ana?
Where you live in Santa Ana affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Santa Ana is no exception to the rule. From zip code 92705 to 92703, premiums rise by 17 percent—that’s $225.
Expensive Santa Ana Zip Codes: 92706, 92701, 92707, 92704, 92703
Cheap Santa Ana Zip Codes: 92705, 92799, 92725, 92708, 92706
Santa Ana Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Santa Ana, you can expect 31 rainy days with an annual rainfall of 13 inches. Santa Ana is also known to experience earthquakes and wildfires. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Santa Ana Agents
Tutton Insurance Services Inc
2913 S Pullman St Santa Ana, CA 92705
Heffernan Insurance Brokers
6 Hutton Centre Dr Ste 500 Santa Ana, CA 92707
Kosmos Insurance Agency, Inc.
1913 E. 17th Street, Suite 213 Santa Ana, CA 92705
Sureguard Insurance Agency, inc.
555 Park Center Drive, Suite 118 Santa Ana, CA 92705
Leavitt Insurance Services of Southern California
1820 E First Street, Suite 500 Santa Ana, CA 92705
The average Santa Ana resident's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Santa Ana
Just enter your zip code to get started
Santa Ana Car Insurance
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
Digital Insurance Cards: Which States Accept Them?
May 19, 2017
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
Driverless Car Laws by State
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
4 Consequences of Driving without Insurance
Jan 27, 2017
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
The Rundown on “No Refusal” Weekends
Dec 20, 2016
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
Driver’s License Points: Do They Matter?
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Which States Have the Cheapest Car Insurance?
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...