Key Takeaways
The average annual cost of auto insurance in Santa Ana is $1998. According to our data, Wawanesa will offer the most affordable auto insurance in Santa Ana in 2024, with prices starting at $1146 annually.
Drivers in Santa Ana pay less for auto insurance annually than the state average ($1881) and more than the $1557 national average. As a matter of fact, 34% of our Santa Ana clients came to us only in search of auto insurance. Read on to find out more about what a reasonable cost in Santa Ana looks like based on typical characteristics like credit score, coverage level, and more, as well as whether you agree or need help with your auto insurance.
| Santa Ana (Annual Average) | California (Annual Average) | United States (Annual Average) |
|---|---|---|
| $1998 | $1881 | $1557 |
Our data for 2024 shows that Wawanesa is the most reasonably priced provider of comprehensive auto insurance in Santa Ana, with an annual premium of $1146. Capital Insurance Group is the second-best insurance company, with monthly premiums as low as $1578 annually.
| Company | Avg. Annual Premium |
|---|---|
| Wawanesa | $1146 |
| Capital Insurance Group | $1578 |
| USAA | $1650 |
| Progressive | $1950 |
| Nationwide | $2154 |
| Allstate | $2202 |
When it comes to auto insurance, age is one of the most significant rating variables that affects rates. Teen drivers frequently pay the highest premiums since they have the highest accident risk of any age group. The biggest rate differential of any age group between drivers in Santa Ana is 104%, which separates drivers in their 20s from young drivers.
Insurance firms are compelled to take this action in the sake of risk management, even though it may seem unfair. Companies can mitigate the higher cost of covering claims by offering higher rates for underage drivers.
This may sound harsh, but insurers have to take these risks into account when setting rates—this is business, not personal! Rather than starting from scratch with their policy, teens can save part of the additional expense by being added to their parent or guardian's coverage.
| Company | Avg. Annual Premium |
|---|---|
| Wawanesa | $939 |
| Capital Insurance Group | $3648 |
| USAA | $3600 |
| Progressive | $4791 |
| Nationwide | $6831 |
| Allstate | $4908 |
| Age Bracket | Cheapest Companies | Avg. Annual Premium |
|---|---|---|
| 20s | Wawanesa | $1248 |
| 30s | Wawanesa | $1050 |
| 40s | Wawanesa | $1050 |
| 50s | Wawanesa | $1050 |
| 60s | Wawanesa | $1050 |
| 70s | Wawanesa | $1020 |
At-fault crashes and accidents account for the majority of insurance claims. The average monthly premium for auto insurance in Santa Ana increased from $164 to $285 in 2024 due to an at-fault collision. Wawanesa is the most affordable insurance provider in Santa Ana after an at-fault collision.
No matter what location you live in, the best way to guarantee low auto insurance premiums is to keep your driving record spotless. Rate increases are a result of several infractions, including at-fault accidents, reckless driving charges, speeding tickets, and DUIs. Most of these infractions can stay on your record for three to five years, and in the event of a DUI or DWI, even longer.
| Company | Avg. Annual Premium |
|---|---|
| Wawanesa | $1710 |
| Capital Insurance Group | $2292 |
| USAA | $2304 |
| Progressive | $3822 |
| Nationwide | $3132 |
| Allstate | $4788 |
| Accident/Violation | Avg. 6 Mo. Premium | % Rate Increase | $ Rate Increase |
|---|---|---|---|
| None | $988 | 0% | $0 |
| One Med/PIP claim | $988 | 0% | $0 |
| Two Med/PIP claims | $988 | 0% | $0 |
| Two comp claims | $988 | 0% | $0 |
| One comp claim | $988 | 0% | $0 |
| Not-at-fault accident | $993 | 0% | $5 |
| At-fault accident - less than $1000 | $1,010 | 2% | $22 |
| Failure to show documents | $1,302 | 32% | $314 |
| Driving with expired registration | $1,310 | 33% | $322 |
| Driving without lights | $1,311 | 33% | $323 |
| Failure to wear a seat belt | $1,315 | 33% | $326 |
| Child safety restraint | $1,318 | 33% | $330 |
| Speeding 11 - 15 MPH over limit | $1,378 | 39% | $390 |
| Speeding 16 - 20 MPH over limit | $1,378 | 39% | $390 |
| Failure to stop at a red light | $1,382 | 40% | $394 |
| Following too closely | $1,382 | 40% | $394 |
| Illegal turn | $1,382 | 40% | $394 |
| Driving too slowly | $1,382 | 40% | $394 |
| Speeding 6 - 10 MPH over limit | $1,382 | 40% | $394 |
| Speeding in school zone | $1,382 | 40% | $394 |
| In 65 MPH zone | $1,382 | 40% | $394 |
| Failure to yield | $1,383 | 40% | $395 |
| Speeding 21 - 25 MPH over limit | $1,384 | 40% | $396 |
| Texting while driving | $1,387 | 40% | $399 |
| Cell phone violation | $1,387 | 40% | $399 |
| Improper passing | $1,400 | 42% | $411 |
| Passing school bus | $1,423 | 44% | $435 |
| Wrong way/wrong lane | $1,648 | 67% | $659 |
| Operating a vehicle without permission | $1,709 | 73% | $721 |
| At-fault accident - greater than $2000 | $1,711 | 73% | $723 |
| At-fault accident - $1000-$2000 | $1,711 | 73% | $723 |
| Open container | $1,832 | 85% | $844 |
| Driving with a suspended license | $2,101 | 113% | $1,112 |
| Reckless driving | $2,465 | 149% | $1,477 |
| Racing | $2,483 | 151% | $1,494 |
| Leaving scene of an accident/hit and run | $2,503 | 153% | $1,514 |
| DUI | $2,578 | 161% | $1,590 |
| Refusal to submit to a chemical test | $2,578 | 161% | $1,590 |
Your credit score is a critical factor in deciding how much your auto insurance will cost in most areas. California stands out from the rest, though, as one of the few states where insurance rates are determined without taking this into account.
Insurance companies typically utilize credit scores to determine the likelihood of a loss, which leads to higher premiums for drivers who are deemed to be more dangerous. A low credit score is frequently linked to more claims being filed, coverage lapses, and generally riskier driving, all of which can result in significant premium hikes.
However, a number of jurisdictions, like California, have decided to outlaw the use of credit scores in determining insurance rates. This coverage guarantees that irrespective of your credit score, your insurance premiums will stay lower.
Santa Ana auto insurance tends to be more expensive than the national average. However, it is still about in line with the average in the state of California. Due to Santa Ana's advantageous location on the coast of southern California, sandwiched between the infamously costly cities of Los Angeles and San Diego, residents may face higher prices. This area is very trafficked and has a high cost of living due to its location in California.
Apart from individual rating variables, location-specific considerations also contribute to the higher cost of auto insurance in Santa Ana, regardless of a driver's driving history.
Insurance rates vary between cities, but even a neighborhood might have an impact. Your unique Santa Ana ZIP code, in addition to personal characteristics like past claims history, influences your auto insurance premium.
| Category | ZIP Codes |
|---|---|
| Expensive | 92799, 92703, 92704 |
| Cheap | 92705, 92706, 92707 |
This boils down to risk, much like most other things in the insurance industry. According to statistics, a single street's level of theft, crime, and uninsured drivers might vary significantly. Insurance companies see areas more at risk when it comes to situations like this. As a result, drivers who reside in more dangerous neighborhoods will pay higher rates than those who do not.
Although the climate in California is among the most pleasant in the world, the state has also seen a lot of Mother Nature's fury, which can result in sharp increases in insurance costs. With almost 2 million acres burned, California was really the state with the most wildfires in 2021. While the city center itself might not be particularly vulnerable, Santa Ana's arid surroundings are. If you want to safeguard your car investment in the event of a wildfire or other natural disaster, think about getting comprehensive coverage.
Your comprehensive coverage also covers flooding-related damage to your car. While most of California, including Santa Ana, experiences droughts most of the time, when it does rain, it usually comes down quickly, causing flash flooding in Santa Ana. We wholeheartedly advise adding comprehensive coverage to your Santa Ana auto insurance policy if you drive a luxury or brand-new car.
There will inevitably be more cars on the road as Santa Ana's population grows. There will be an increase in claims, infractions, and accidents as there are more cars on the road. What impact does this have on you? Higher premiums are the result of passing on the expenses of an area's increased number of claims to other drivers. This occurs when the number of drivers in the area keeps growing.
Our data indicates that over 30% of Santa Ana drivers do not currently have insurance, which can be unsettling. You might have to pay for the damage you or your car (or both) experience out of pocket if you are struck by one of those drivers. We advise having UMPD coverage, often known as an uninsured motorist policy. It protects you in the event that an uninsured or underinsured driver causes damage to your car.
Your policy's chosen level of coverage has a big impact on how much insurance costs. The more coverage you choose, the more expensive your policy will be. Our data indicates that most drivers in Santa Ana have the most basic coverage.
Although they are advised, collision and comprehensive insurance may raise your costs. This package, sometimes known as "full coverage," provides a wider range of protection for your car. Usually, these coverages come with a deductible, and the amount you select will also affect your premiums.
Other worthwhile additions include uninsured motorist coverage and roadside assistance. These policies come in handy in case of emergency or when you come across an uninsured motorist. Even though they are more expensive, we highly suggest considering adding them because they offer comprehensive coverage for both your car and yourself.
| Company | Avg. Annual Premium |
|---|---|
| Wawanesa | $528 |
| Capital Insurance Group | $642 |
| USAA | $492 |
| Progressive | $570 |
| Nationwide | $726 |
| Allstate | $822 |
Santa Ana offers beautiful weather and plenty to see, but navigating the streets can feel tricky, especially for new drivers.
No worries, this guide will equip you with essential info for a safe and enjoyable driving experience:
Remember: Following these tips and practicing defensive driving go a long way in keeping yourself and others safe on the road. Now, get out there and explore Santa Ana in style!
| Company Name | Contact Information |
|---|---|
| Nationwide | 1-800-NATIONWIDE |
| State Farm | Varies by location |
| Progressive | 1-800-PROGRESSIVE |
| Allstate | Varies by location |
| Farmers Insurance | Varies by location |
| American Family Insurance | Varies by location |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
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