Table of contents
How much is car insurance in Santa Ana?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Santa Ana are about the same as what you would pay anywhere else in California.
On the flip side, car insurance rates in Santa Ana are more affordable than the national average. It's about $21 cheaper than the national average to insure your vehicle in Santa Ana.
While these numbers represent the average monthly payments for coverage in Santa Ana, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've done the heavy lifting for you and broken down the average rate for Santa Ana so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement age, however, you may see your rates rise again in Santa Ana.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Santa Ana, although men do pay slightly less on their monthly insurance rates, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Santa Ana, a driving record with one accident will usually get you a rate around $76 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $109.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$60|
In Santa Ana, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $55 per month for insurance coverage.
Car owners, on the other hand, by and large pay around $59 per month, while SUV drivers can expect to pay about $63 a month for insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Overall, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Santa Ana, for example, are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$61|
Generally speaking, people who are married will pay slightly less for car insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Santa Ana is no exception, with the difference totaling to around $8 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$91|
Another factor that comes into play is your housing status. In Santa Ana, homeowners can expect to pay around $5 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Santa Ana, CA
Recent trends in car insurance for Santa Ana drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
In Santa Ana, the rates for auto insurance went up from 2016-2017, when they hit a high of $83. This shifted in 2018, when they began to turn downward again. They finished down in 2021, at $52 per month
How does Santa Ana compare to neighboring areas?
Why are car insurance rates in Santa Ana different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Local crime rates
- Regional laws
- Number of car accidents
- Off-street parking accessibility
- Total number of drivers in the area
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Santa Ana?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Good news! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Santa Ana.
Santa Ana Insurance FAQs
What factors affect car insurance quotes in Santa Ana?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Santa Ana different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Santa Ana?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Santa Ana?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Santa Ana or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.