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 AverageState AverageNational Average
$1,774$1,713$1,427


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
AgeAverage Rate
Teenagers$6,632
20s$2,595
30s$1,743
40s$1,689
50s$1,567
60s$1,528
70s$1,706


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
Violation/IncidentAverage Rate
DUI$5,030
Reckless Driving$5,030
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/GenderAverage Rate
Female$1,780
Male$1,774
Single$1,774
Married$1,700
Divorced$1,774
Widowed$1,706


* 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.

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

Car Insurance Companies in Santa Ana

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

See All

2

$1,459

The average Santa Ana resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

icon_coffee

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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