What drives up car insurance rates in Santa Ana?

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.

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.

31

Rainy Days a Year

13"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Santa Ana

Major Highways
I-5 SR 55 SR 57
Public Transit
OCTA Bus MetroLink Rail

Car Insurance Companies in Santa Ana

Find Local Santa Ana Agents

Leavitt Insurance Services of Southern California

1820 E First Street, Suite 500 Santa Ana, CA 92705

Sureguard Insurance Agency, inc.

555 Park Center Drive, Suite 118 Santa Ana, CA 92705

Kosmos Insurance Agency, Inc.

1913 E. 17th Street, Suite 213 Santa Ana, CA 92705

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

See All

$1,459

The average Santa Ana resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

233

That's equal to 233 cups of coffee or $584 in savings

See How Much You Can Save in Santa Ana

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Santa Ana Car Insurance

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