What's the Cost of Car Insurance in Santa Ana?
Premiums in Santa Ana are relatively consistent with California's rates, as its premiums are within $61 of the state average. Let's compare car insurance costs in Santa Ana versus premiums across the nation.
CAR INSURANCE COSTS: SANTA ANA VS. NATIONAL/STATE MEAN
|City Average||State Average||National Average|
Santa Ana Car Insurance Premiums by Age
The biggest drop in premiums for Santa Ana drivers happens when they reach their 20s. Once out of the teenage age bracket, they save, on average, $4,036 annually. Rates continue to trend downward up until drivers hit 70. At $1,528, drivers in their 60s have the lowest insurance rates among any age group. Those in their 50s ($1,567) aren’t paying much more. With typical rates of $6,632, teenage drivers pay the most in car insurance premiums.
SANTA ANA CAR INSURANCE PRICES BY AGE
Santa Ana Car Insurance for High-Risk Drivers
Do you have an accident or violation history? That can have an impact on your car insurance premiums. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. Drivers with a DUI or reckless driving infraction in Santa Ana need to spend nearly triple the average for the city to insure their vehicle. $983 is, on average, the additional cost for car insurance in Santa Ana if you have an at-fault accident on your driving record.
AVERAGE SANTA ANA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$2,757|
|At-fault Accident (damages greater than $2,000)||$2,757|
|Speeding Ticket (16-20 mph over speed limit)||$2,403|
Santa Ana Car Insurance by Marital Status and Gender
Car insurance premiums in Santa Ana are impacted by marital status and gender. However, the amount by which men's and women's car insurance premiums vary is minimal. Rates for those who are widowed are moderately cheaper than rates for those who are single. Being single can cost you roughly 4% more per year compared to being married.
SANTA ANA CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
* Credit score is considered discriminatory in California and thus is not used as a rating factor when determining how much you'll pay for auto insurance each year.
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
Kosmos Insurance Agency, Inc.
1913 E. 17th Street, Suite 213 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
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
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Santa Ana Car Insurance
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