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Cheap Auto Insurance Quotes in Santa Ana, CA (August 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Car Insurance in Santa Ana, CA

The average cost of California car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Santa Ana, CA to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Santa Ana is $221 per month, or $2652 annually.
  • Car insurance in Santa Ana is $44 more than the average cost of car insurance in California.
  • The cheapest car insurance provider in Santa Ana on average is Mile Auto, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

GEICO
$81
State Farm
$82
Nationwide
$115
Mercury
$128
American Family
$130

Cheapest Car Insurance in Santa Ana, CA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in Santa AnaQuotes
GEICO$81 /mo
State Farm$82 /mo
Nationwide$115 /mo
Mercury$128 /mo
American Family$130 /mo

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Average Car Insurance Cost

California Cities
Los Angeles$195/mo
San Diego$173/mo
San Jose$212/mo
San Francisco$132/mo
Santa Ana$107/mo
California$164/mo
Santa Ana
$107
San Francisco
$132
Average for CA
$164
San Diego
$173
Los Angeles
$195
San Jose
$212
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in California

All motor vehicles operated or parked on California roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in California[1] are:

  • $15,000 per person for bodily injury
  • $30,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. California is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $5,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Find local Santa Ana agents

  • Leavitt Insurance Services of Southern California

    1820 E First Street,
    Suite 500, Santa Ana, CA 92705-4069
  • Sureguard Insurance Agency, inc.

    555 Park Center Drive,
    Suite 118, Santa Ana, CA 92705
  • Telepay Insurance Agency, LLC

    3631 S. Harbor Blvd.,
    Suite 100, Santa Ana, CA 92704
  • Ashbrook-Clevidence Inc.

    3000 W. MacArthur Blvd.,
    Suite 320, Santa Ana, CA 92704
  • NFP Property & Casualty Insurance Services

    1551 No. Tustin Avenue,
    Suite 500, Santa Ana, CA 92705
  • ERM Insurance Brokers, Inc.

    3000 W. MacArthur Blvd.,
    Suite 120, Santa Ana, CA 92704
  • Kosmos Insurance Agency, Inc.

    1913 E. 17th Street,
    Suite 213, Santa Ana, CA 92705
  • Santa Ana Insurance

    1331 W 1st St #101,
    Santa Ana, CA 92703
  • California Insurance Specialists

    400 N Tustin Ave Suite 425,
    Santa Ana, CA 92705
  • Ebuy Insurance Services

    912 N Harbor Blvd ste b,
    Santa Ana, CA 92703
View more

FAQs - Santa Ana, CA Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Insurify Insights

How Santa Ana Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Santa Ana, California below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Santa Ana drivers measure up to their fellow motorists across California in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Civic

Most Popular Car in Santa Ana

#160

City with the Most Speeding Tickets Rank in California

#186

City with the Most Moving Violations Rank in California

#145

City with the Most DUIs Rank in California

#68

City with the Most Suspended Licenses in California

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Santa Ana drivers rank 116 in the number of car accidents per driver across all cities in California.

    • Rank within state: #116
    • Percent of drivers in Santa Ana with an accident: 7.95%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Santa Ana drivers rank 145 in the number of DUI’s per driver across all cities in California.

    • Rank within state: #145
    • Percent of drivers in Santa Ana with a DUI: 1.9%
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in California, Santa Ana drivers rank 54 in the number of reckless driving offenses per driver.

    • Rank within state: #54
    • Percent of drivers in Santa Ana with a reckless driving offense: 0.04%
  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in California, Santa Ana drivers rank 70 in rude driving infractions.

    • Rank within state: #70
    • Percent of drivers in Santa Ana with a reckless driving violation: 1.33%
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in California, Santa Ana drivers rank 160 in the number of speeding infractions per driver.

    • Rank within state: #160
    • Percent of drivers in Santa Ana with a speeding ticket: 5.5%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Santa Ana drivers rank 11 in clean driving records across all cities in California.

    • Rank within state: #11
    • Percent of drivers in Santa Ana with clean record: 13.77%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Santa Ana drivers rank 126 in hybrid and electric vehicle ownership across all cities in California.

    • Rank within state: #126
    • Percent of drivers in Santa Ana with a hybrid/electric vehicle: 1.02%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra
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Insurance Content Project Manager

Tanveen Vohra is an insurance content manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.

Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

Learn More

Sources

  1. California Department of Motor Vehicles. "State Minimum Car Insurance." Accessed May 28, 2022