How much is auto insurance in Santa Ana?
The average cost of auto insurance in Santa Ana is $1,954 per year. That's more than the statewide average in California ($1,868) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Santa Ana.
CAR INSURANCE RATES IN SANTA ANA
|Santa Ana Average (annual)||California Average||National Average|
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Santa Ana car insurance rates by company
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Santa Ana, GEICO provides the most affordable rates for the typical insurance customer. See below the best companies for cheap auto insurance in Santa Ana — but don't forget to get personalized car insurance quotes to match your driving profile.
SANTA ANA AUTO INSURANCE RATES BY COMPANY
|Company||Average Rate (annual)|
Car insurance rates by age bracket in Santa Ana
The age group that pays the least for car insurance in Santa Ana are drivers in their 60s ($1,746per year). Rates for Santa Ana drivers in their 50s are also relatively affordable, at just $1,755 per year.
The Santa Ana drivers who pay the highest insurance rates are teenagers. One of the most effective ways to get cheaper car insurance rates as a driver in Santa Ana is to celebrate your 20th birthday. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Santa Ana is $4,299. That's the biggest gap in premiums between any pair of age brackets.
SANTA ANA CAR INSURANCE PREMIUMS BY DRIVER AGE
|Age||Average Yearly Rate|
Santa Ana auto insurance premiums by gender and marital status
Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers usually pay less for car insurance than their single counterparts. In Santa Ana, married motorists pay $80 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Santa Ana, widowed drivers pay less than those who are single.
Another component of auto insurance pricing is gender. In Santa Ana, female drivers pay $5 per year more than do male drivers.
INSURANCE RATES IN SANTA ANA BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
Santa Ana car insurance premiums by driving history
Maintaining a clean driving record is an effective way to minimize your insurance rates. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Santa Ana drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $3,351 per year versus the city average. A ticket for speeding results in a $799 rate hike while a DWI or DUI violation costs $3,251per year in extra insurance expenditures.
SANTA ANA CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Citation||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$1,961|
|At-fault Accident (damages > $2,000)||$3,411|
|Speeding Ticket (16-20 mph over speed limit)||$2,753|
Santa Ana car insurance rates by credit level
An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, Santa Ana drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 0% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Santa Ana, improving your credit to "Fair" could help you earn a $0 decrease in yearly insurance premiums.
SANTA ANA CAR INSURANCE RATES BY CREDIT SCORE
|Credit Level||Average Yearly Rate|
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, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. 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.
Rainy Days a Year
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Find Local Santa Ana Agents
Leavitt Insurance Services of Southern California
1820 E First Street, Suite 500, Santa Ana, CA 92705
Heffernan Insurance Brokers
6 Hutton Centre Dr Ste 500, Santa Ana, CA 92707
Tutton Insurance Services Inc
2913 S Pullman St, Santa Ana, CA 92705
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