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 AverageState AverageNational Average
$1,886$1,748$1,569


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
AgeAverage Rate
Teenagers$6,926
20s$2,733
30s$1,854
40s$1,794
50s$1,669
60s$1,626
70s$1,766


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/IncidentAverage Insurance Rate
DUI/DWI$5,293
Reckless Driving$5,293
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/GenderAverage Rate
Female$1,892
Male$1,886
Single$1,886
Married$1,804
Divorced$1,886
Widowed$1,811


* 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.

31

Rainy Days a Year

13"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Santa Ana

2
Major Highways
I-5 SR 55 SR 57
2
Public Transit
OCTA Bus MetroLink Rail

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

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

Tutton Insurance Services Inc

2913 S Pullman St Santa Ana, CA 92705

2

$1,459

The average Santa Ana resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

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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Recent Questions:

Santa Ana Car Insurance

What is the difference between liability vs uninsured motorist vs comprehensive coverage?

Liability is required by your state to legally drive on the road. Uninsured motorist coverage covers you and your passengers' medical bills if you are hit by another driver that does not have insurance.