120+ more*Quotes generated for Insurify users in and around Santa Ana, California within the last 10 days. Last updated on July 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Santa Ana, California within the last 10 days. Last updated on July 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Updated
USAA has the cheapest liability rates in Santa Ana.
The average monthly car insurance rate in Santa Ana is $154, which is comparable to the state average of $148.
Santa Ana drivers commute an average of 24.5 minutes per day, according to the U.S. Census Bureau.
Car insurance in Santa Ana, California, costs around $103 per month for state-minimum coverage and $204 per month for full coverage. That’s about the same as the average cost of insurance in California and cheaper than in larger cities like Los Angeles and San Francisco.
Although Santa Ana is fairly close to Los Angeles, it has a much lower vehicle theft rate. That may help explain why the city’s insurance rates are close to the state average. In 2025, Santa Ana had only 691 reported auto thefts, according to the City of Santa Ana.
In comparison, the Los Angeles area ranked No. 1 in the nation for vehicle thefts in the first half of 2025, according to the National Insurance Crime Bureau (NICB).
The following table shows the average monthly cost for car insurance in Santa Ana compared to the California average.
Car Insurance Costs in Santa Ana vs. California | Average Monthly Quote |
|---|---|
| Santa Ana average | $154 |
| California average | $148 |
Averaging $70 per month, USAA has the cheapest liability-only car insurance in Santa Ana. Aspire General offers the cheapest full-coverage car insurance, at an average of $130 per month.
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Driving in Santa Ana requires planning and patience — especially if you plan to navigate the complicated and congested Orange Crush interchange. Three busy freeways converge at this intersection, which is considered one of the most complex in the country.[1]
Traffic in Orange County and the greater Los Angeles area tends to be heaviest during the morning and evening commutes. But Santa Ana’s proximity to Disneyland makes it a popular tourist destination, increasing traffic congestion during school breaks and the winter holiday season.
Parking in Santa Ana is relatively affordable, and city-owned garages offer the first 60 minutes free. The most you’ll pay per day at a city garage is $15.
In addition, the city has plenty of metered street parking available.
Santa Ana is in Orange County, California, which ranks No. 21 in the nation for vehicle theft. During the first half of 2025, car thieves stole 2,867 cars in Orange County, according to the NICB.
By comparison, the Santa Ana Police Department recorded 691 auto thefts in the city during all of 2024 — down from 996 in 2023.[2]
Neighboring Los Angeles County ranked No. 1 in the nation for vehicle theft in the first half of 2025, according to the NICB. The lower vehicle theft rates in Orange County, particularly in Santa Ana, may result in lower average car insurance costs.
The average cost of car insurance in Santa Ana is $154 per month. By comparison, Glendale, the most expensive city in California for auto insurance, averages $268 per month. Santa Maria, which is among the least expensive, averages $114 per month.
Santa Ana has a lower car theft rate than Glendale, which sits just north of Los Angeles. Glendale also faces a major wildfire risk, with 96% of properties at risk, according to First Street.
In contrast, Santa Ana’s wildfire risk is moderate, as is Santa Maria’s, which contributes to lower car insurance rates in these areas.
The table below shows average monthly car insurance rates in Santa Ana and other California cities.
City | Average Monthly Quote |
|---|---|
| Anaheim | $163 |
| Bakersfield | $132 |
| Berkeley | $153 |
| Chula Vista | $128 |
| Elk Grove | $143 |
| Fontana | $160 |
| Fremont | $138 |
| Fresno | $131 |
| Glendale | $268 |
| Hayward | $153 |
| Long Beach | $171 |
| Los Angeles | $225 |
| Modesto | $143 |
| Moreno Valley | $147 |
| Oakland | $170 |
| Oxnard | $138 |
| Riverside | $150 |
| Roseville | $140 |
| Sacramento | $158 |
| San Bernardino | $157 |
| San Diego | $130 |
| San Francisco | $171 |
| San Jose | $136 |
| Santa Ana | $154 |
| Santa Barbara | $120 |
| Santa Maria | $114 |
| Stockton | $146 |
| Temecula | $130 |
| Victorville | $161 |
Approximately 380,000 cars travel Interstate 5 between state Route 55 and Route 57 in Santa Ana every day, according to the Orange County Transportation Authority (OCTA).
The Orange Crush interchange, where the 5, 57, and 22 converge, provides 34 routes for a total of 66 lanes of traffic traversing 13 bridges. An estimated 629,000 cars use this interchange each day, according to the Center for Land Use Interpretation.
With so many cars on the road, the risk of accidents increases, which can also affect car insurance rates.
The average cost of car insurance in California is $148 per month, which is nearly identical to Santa Ana’s average monthly cost of $154.
You’ll typically find cheaper rates in smaller, less congested California cities, like Santa Maria and Bakersfield. In general, though, car insurance in Santa Ana is cheaper than in cities with higher car theft rates, like Los Angeles and San Francisco.
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Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
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Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
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Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
USAA and Aspire General have the cheapest state-minimum car insurance in Santa Ana, with average monthly rates of $70 and $73.
At $103 per month, Santa Ana’s average liability-only rates are comparable to the average cost of liability insurance in California.
California’s minimum car insurance requirements are:
$30,000 in bodily injury liability coverage per person
$60,000 in bodily injury liability coverage per accident
$15,000 for property damage liability coverage per accident
The following table shows insurers with the cheapest rates for liability-only car insurance in Santa Ana.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $70 |
| Aspire General | $73 |
| GEICO | $75 |
| Sun Coast | $76 |
| Mercury | $79 |
| National General | $79 |
| Dairyland | $86 |
| Root | $93 |
| Direct Auto | $94 |
| Allstate | $96 |
| Farmers | $98 |
| Anchor | $103 |
| State Farm | $107 |
| Bristol West | $108 |
| Kemper Special | $112 |
| Travelers | $112 |
| 21st Century | $123 |
| Kemper Rsvp | $123 |
| Chubb | $191 |
Drivers in Santa Ana pay an average of $204 per month for full coverage. This is slightly less than neighboring Anaheim’s $212 average monthly rate.
At $130 per month, Aspire General has the cheapest full-coverage car insurance in Santa Ana.
About 32% of Santa Ana drivers have a car loan or lease, according to Insurify data. Most lenders require drivers to have a full-coverage policy that includes comprehensive coverage and collision coverage while they’re repaying the loan.[3]
The following data shows the cheapest full-coverage car insurance rates in Santa Ana.
Insurance Company | Average Monthly Quote |
|---|---|
| Aspire General | $130 |
| Root | $145 |
| Mercury | $151 |
| GEICO | $154 |
| USAA | $156 |
| Kemper Special | $172 |
| Kemper Rsvp | $175 |
| Sun Coast | $180 |
| Anchor | $193 |
| Dairyland | $205 |
| National General | $210 |
| Allstate | $215 |
| Farmers | $221 |
| Bristol West | $230 |
| Direct Auto | $234 |
| State Farm | $240 |
| Travelers | $251 |
| 21st Century | $273 |
| Chubb | $426 |
*Quotes generated for Insurify users in and around Santa Ana, California within the last 10 days. Last updated on July 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Santa Ana, California within the last 10 days. Last updated on July 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
About 2.2% of Santa Ana drivers have a speeding ticket, according to Insurify data. With an average monthly rate of $91, USAA has the cheapest car insurance in Santa Ana for drivers with a speeding ticket.
If you’re caught running a red light or speeding in California, the state can add a point to your driving record. Points typically increase your insurance rate and can stay on your record for three to seven years.[4]
The table below shows the cheapest car insurance rates for drivers with a speeding ticket in Santa Ana.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $91 |
| Aspire General | $93 |
| Sun Coast | $97 |
| GEICO | $99 |
| National General | $99 |
| Dairyland | $107 |
| Mercury | $110 |
| Root | $112 |
| Direct Auto | $119 |
| Allstate | $125 |
| Farmers | $126 |
| Anchor | $128 |
| State Farm | $137 |
| Bristol West | $137 |
| Kemper Special | $142 |
| Travelers | $146 |
| Kemper Rsvp | $156 |
| 21st Century | $163 |
| Chubb | $245 |
Around 5.3% of drivers in Santa Ana have an accident on their record, according to Insurify data. Because California is an at-fault state, drivers who cause an accident are responsible for damages.
USAA has the cheapest auto insurance for Santa Ana drivers with an at-fault car accident, averaging $93 per month.
Drivers in Santa Ana with an accident on their record pay an average of $131 per month for liability only and $260 per month for full coverage.
The following table shows the lowest rates for Santa Ana drivers with an at-fault accident on their record.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $93 |
| Aspire General | $93 |
| Sun Coast | $97 |
| GEICO | $97 |
| National General | $104 |
| Dairyland | $112 |
| Root | $115 |
| Mercury | $116 |
| Direct Auto | $126 |
| Allstate | $127 |
| Farmers | $129 |
| Anchor | $132 |
| State Farm | $140 |
| Bristol West | $141 |
| Kemper Special | $143 |
| Travelers | $149 |
| Kemper Rsvp | $157 |
| 21st Century | $165 |
| Chubb | $251 |
USAA offers the cheapest car insurance for drivers in Santa Ana with a driving under the influence (DUI) conviction. Its rates average $98 per month for liability-only coverage.
The Santa Ana Police Department has a dedicated DUI enforcement team to help reduce impaired driving. Even so, approximately 0.8% of Santa Ana drivers have a DUI on their record, according to Insurify data.
Insurers consider these drivers higher-risk and typically charge them higher rates. Drivers in Santa Ana with a DUI on their record typically pay about $139 per month for liability coverage and $276 per month for full coverage.
The table below shows insurers with the cheapest rates for drivers in Santa Ana with a DUI on their record.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $98 |
| Aspire General | $99 |
| Sun Coast | $103 |
| GEICO | $104 |
| National General | $110 |
| Mercury | $117 |
| Dairyland | $120 |
| Root | $130 |
| Direct Auto | $131 |
| Allstate | $134 |
| Farmers | $137 |
| Anchor | $144 |
| State Farm | $149 |
| Bristol West | $151 |
| Kemper Special | $151 |
| Travelers | $156 |
| 21st Century | $166 |
| Kemper Rsvp | $166 |
| Chubb | $267 |
Teens must be at least 15 and a half years old to get a learner’s permit in California, and certain restrictions apply for 12 months after they get their license, according to the California Department of Motor Vehicles.
The cheapest insurer for teen drivers in Santa Ana is USAA, with an average monthly rate of $128.
Santa Ana teens pay an average of $185 per month for liability coverage and $367 per month for a full-coverage policy.
The following table lists the cheapest auto insurance rates for teenage drivers in Santa Ana.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $128 |
| Aspire General | $131 |
| GEICO | $135 |
| Sun Coast | $137 |
| Root | $139 |
| Mercury | $143 |
| Dairyland | $149 |
| National General | $156 |
| Direct Auto | $182 |
| Allstate | $188 |
| Bristol West | $190 |
| Farmers | $194 |
| Anchor | $196 |
| Kemper Special | $202 |
| State Farm | $206 |
| 21st Century | $219 |
| Kemper Rsvp | $221 |
| Travelers | $230 |
| Chubb | $389 |
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USAA is the cheapest insurer for senior drivers in Santa Ana, with an average monthly rate of $58.
About 17% of the population in Santa Ana is aged 65 or older, according to the U.S. Census Bureau. In California, drivers aged 70 and older must renew their driver’s license in person and pass a vision test.[5]
Santa Ana seniors pay an average of $94 per month for liability-only and $185 for full coverage.
This table shows insurers with the lowest prices for senior drivers in Santa Ana.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $58 |
| GEICO | $61 |
| National General | $64 |
| Mercury | $64 |
| Aspire General | $66 |
| Sun Coast | $69 |
| Dairyland | $75 |
| Direct Auto | $79 |
| Farmers | $80 |
| Allstate | $80 |
| Anchor | $85 |
| State Farm | $86 |
| Root | $88 |
| Travelers | $92 |
| Bristol West | $93 |
| 21st Century | $99 |
| Kemper Special | $102 |
| Kemper Rsvp | $112 |
| Chubb | $148 |
Understanding what to look for can help you get the best insurance in Santa Ana for your needs and budget.
The average cost of car insurance in Santa Ana is $154 per month, according to Insurify data. Look for insurance discounts that can lower your premiums. Bundling different insurance products with your auto coverage, like home insurance, renters insurance, life insurance, or business insurance, can save you money.
USAA has the cheapest liability-only car insurance in Santa Ana, at $70 per month. Aspire General is the cheapest insurer in Santa Ana for full coverage, with an average monthly rate of $130.
California requires drivers to have at least $30,000 in bodily injury liability insurance coverage per person and $60,000 per accident, and $15,000 of property damage liability coverage per accident.
USAA and Aspire General are the cheapest car insurance companies for teens in Santa Ana. Their monthly rates average $128 and $131, respectively.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
