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 Average||State Average||National Average|
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
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/Incident||Average Insurance Rate|
|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/Gender||Average Rate|
* 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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
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
The average Santa Ana resident's annual cost of coverage
Our customer's average savings after comparing insurance
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