Car Insurance in Santa Ana
Premiums in Santa Ana are relatively similar to state rates, as its premiums are within $61 of California's average. Who doesn't like to save money? Check out some tips about how to save on car insurance in Santa Ana.
- City Average: $1,774
- State Average: $1,713
- National Average: $1,427
Santa Ana Car Insurance by Accident or Violation History
A history of accidents and violations can cost you in terms of car insurance rates. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. Usually, a DUI or reckless driving charge in Santa Ana will cost you 184% more in car insurance premiums versus the city average of $1,774. Even among safe drivers, accidents happen, so be prepared and learn how your rates can change after one. $983 is, on average, the additional cost for car insurance in Santa Ana if you have an at-fault accident on your driving record.
- DUI: $5,030
- Reckless Driving: $5,030
- At-fault Accident (damages less than $1000): $2,757
- At-fault Accident (damages greater than $2000): $2,757
- Speeding Ticket (16-20 mph over speed limit): $2,403
Santa Ana Car Insurance by Gender and Marital Status
Both marital status and gender can have an effect on your car insurance premiums in Santa Ana. However, males have premiums that are only slightly cheaper than those for females. Rates for those who are widowed are relatively cheaper than rates for those who are single. Being married can save you roughly $70 per year compared to being single or divorced.
- Female: $1,780
- Male: $1,774
- Single: $1,774
- Married: $1,700
- Divorced: $1,774
- Widowed: $1,706
Santa Ana Car Insurance by Age
Teenage drivers have the largest premiums of any age group. They pay around $6,632 per year on car insurance premiums. The most significant decrease in premiums for Santa Ana drivers happens when they reach their 20s. Once out of the teenage age range, people save, on average, $4,036 annually. The first time drivers can anticipate their age to trigger a rise in rates is when they turn 70. Among all age groups, drivers in their 60s have the smallest payments, with rates of $1,528. However, people in their 50s ($1,567) aren’t paying significantly more.
- Teenagers: $6,632
- 20s: $2,595
- 30s: $1,743
- 40s: $1,689
- 50s: $1,567
- 60s: $1,528
- 70s: $1,706
* Credit score, while used in other states, is considered discriminatory in California and thus is not used as a rating factor when determining 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
Sureguard Insurance Agency, inc.
555 Park Center Drive, Suite 118 Santa Ana, CA 92705
Heffernan Insurance Brokers
6 Hutton Centre Dr Ste 500 Santa Ana, CA 92707
Leavitt Insurance Services of Southern California
1820 E First Street, Suite 500 Santa Ana, CA 92705
Kosmos Insurance Agency, Inc.
1913 E. 17th Street, Suite 213 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
Click below to get free quotes in seconds!Start Saving Now!
Santa Ana Car Insurance
5 Winter Driving Hacks & Habits That Are Actually Illegal
Dec 16, 2017
As nice as drinking hot beverages and sitting by the fire can be, winter definitely has its downsides, and driving...
7 Spooky Halloween Road Trips to Creep You Out
Sep 29, 2017
Forget pumpkin spice – bring on scary movie season! As the weather starts to cool and leaves begin to turn,...
How to Protect Yourself and Your Home Against Wildfires
Aug 21, 2017
Ever used the expression “spread like wildfire?” Fire is an incredible force of nature, and while it has its uses...
Ask the Experts: Credit Score vs. Credit Report (and More)
Jul 31, 2017
Credit is an important measurement of our overall financial health. It plays huge part in how much we pay in...
Smart Cities: How the Internet of Things is Changing Urban Areas
Jun 14, 2017
A trend is spreading in cities all across the world: every day, more and more people just keep moving in....
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...
Zipcar vs. car2go: Which Car Sharing Service is King?
May 09, 2017
Over the past few years, car sharing has taken the world by storm. Car sharing businesses are now operating in...
Driverless Car Report Card: Who Should Get Top Grades?
Apr 24, 2017
The big-name tech companies and auto manufacturers that we know are developing driverless cars have kept many details about their...
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...
Buying a Vehicle with Your Tax Return? Here’s What You Need to Know
Feb 16, 2017
It’s officially tax season which of course means a lot of paperwork, searching for receipts, and trying not to toss...
The Death of the Taxi Driver (Profession)
Feb 13, 2017
There’s no doubt rideshare companies — Uber, Lyft, and the like — are impacting traditional taxi and car service companies. Even though...
Uber’s Latest: Should Driverless Cars Require Voter Approval?
Feb 09, 2017
Driverless vehicle technology isn’t ready for the mainstream public, but it’s getting there: automakers and technology giants across the world...
When Is It Worth It to Pay for More Liability Coverage?
Nov 23, 2016
Every driver must carry his or her state’s minimum limit of liability coverage. This consists of coverage that protects other...
How Long Does a Ticket Stay on Your Driving Record?
Nov 17, 2016
We’ll start with the bad news: your driving record is forever. Any conviction for a speeding ticket or other moving...
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...
Are School Buses Even Safe?
Nov 04, 2016
Each day, parents of 25 million American children watch them board a big yellow school bus. That’s more than half...
Should the Government Require Regular Driving Tests?
Oct 03, 2016
Most drivers in the U.S. seek their driver’s licenses at a young age. In teens’ minds, driving means freedom, so...
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...
50 Research-Based Tips to Save on Car Insurance
Aug 08, 2016
Finding the right car insurance can be frustrating and complex — no thanks to varying state coverage requirements and overhyped...
Answering Every FAQ About Driverless Cars
Jul 27, 2016
Driverless cars—also called an autonomous vehicles—are all over the news. Although we keep hearing about them, there’s still tons of confusion over...
Green Car Shopping: Electric Vs. Fuel Cell Vehicles
Mar 22, 2016
Already considering “going green” for your next car? Fist bump to you, friend. Now comes the part where you have...
Bow-OW! Do You Need Car Insurance for Your Pet?
Mar 14, 2016
Many pet owners frequently drive with their animals, and while we might know the safest ways for pets to travel...
Can Driverless Cars Handle the Elements?
Mar 07, 2016
Human drivers have enough trouble in bad weather: we need to look no further than the most recent massive winter...
The Wrath of El Niño
Feb 19, 2016
The 2015-2016 El Niño has been dubbed “Godzilla El Niño” by weather experts—and with good reason. Just like the giant...