Whether you pay high or low rates for auto insurance coverage depends on a lot of factors, but the average cost in Santa Ana is approximately $1,430 every 12 months. On average, the rest of the U.S. pays about $1,200, so Santa Ana drivers pay around $17 more each month than drivers in other states.

Insurance rates in Santa Ana are dependent upon many factors, and one important factor is your choice of vehicle. The rate table below shows insurance cost for popular vehicles bought in Santa Ana.

Car Insurance Rates for Popular Cars in Santa Ana
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LT $1,048 $524 $87
Ford Fusion Sport 4-Dr Sedan $1,102 $551 $92
Honda Accord EX 4-Dr Sedan $868 $434 $72
Honda Civic GX 4-Dr Sedan $1,134 $567 $95
Hyundai Elantra SE Touring Station Wagon $942 $471 $79
Hyundai Sonata GLS 4-Dr Sedan $1,100 $550 $92
Kia Optima LX $1,100 $550 $92
Nissan Altima Hybrid 4-Dr Sedan $1,102 $551 $92
Toyota Corolla S $1,080 $540 $90
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Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Premium amounts do not factor in specific location information which can affect premiums considerably.

Auto Insurance Rates for Popular Pickup Trucks in Santa Ana
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Extended Cab 4WD $868 $434 $72
Chevrolet Silverado 2500HD LT Extended Cab Diesel 2WD $1,250 $625 $104
Chevrolet Silverado LT Regular Cab 2WD $1,100 $550 $92
Dodge Ram 3500 Crew Cab ST 2WD $1,144 $572 $95
Dodge Ram Crew Cab TRX 2WD $1,122 $561 $94
Ford F-150 XLT Crew Cab 2WD $972 $486 $81
GMC Canyon SLE Crew Cab Z71 4WD $1,048 $524 $87
GMC Sierra 3500HD SLE Extended Cab 2WD $1,122 $561 $94
GMC Sierra Denali Crew Cab 2WD $1,176 $588 $98
Toyota Tundra SR/5 Crew Max 4WD $1,196 $598 $100
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Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price estimates do not factor in Santa Ana location which can impact insurance rates noticeably.

Auto Insurance Rates for Popular SUVs and Crossovers in Santa Ana
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura RDX AWD $942 $471 $79
Cadillac Escalade Luxury Edition 4WD $1,360 $680 $113
Chevrolet Traverse LT AWD $964 $482 $80
Ford Escape Limited 4WD $942 $471 $79
Ford Expedition Eddie Bauer 4WD $1,018 $509 $85
Ford Explorer XLT AWD $972 $486 $81
GMC Acadia SLE AWD $1,026 $513 $86
Honda CR-V LX 4WD $868 $434 $72
Honda Pilot Touring 4WD $1,048 $524 $87
Hyundai Tucson GLS 4WD $972 $486 $81
Jeep Grand Cherokee Laredo 2WD $1,026 $513 $86
Lexus RX 350 2WD $1,250 $625 $104
Toyota 4Runner Limited 4WD $1,038 $519 $87
Toyota Highlander Hybrid 4WD $1,122 $561 $94
Toyota RAV4 Sport 2WD $1,026 $513 $86
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Rate quotes do not factor in specific location which can impact premium rates substantially.

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How violations and accidents impact rates

The chart below demonstrates how speeding tickets and fender-benders impact insurance rates for different insured age categories. The premiums assume a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

Top 10 cheapest vehicles to insure in Santa Ana, CA
Honda Fit
Hyundai Accent
Mini Cooper
Honda Accord
Chrysler PT Cruiser
Hyundai Elantra
Honda CR-V
Mazda 5
Chevrolet Colorado
Mazda MX-5 Miata
Top 10 most expensive vehicles to insure in Santa Ana, CA
Mercedes-Benz CL65 AMG
Mercedes-Benz S65 AMG
Audi R8
Mercedes-Benz CL600
Mercedes-Benz CL63 AMG
BMW 760L
Mercedes-Benz S600
BMW M6
Mercedes-Benz S63 AMG
Porsche 911
Top 10 safest vehicles to insure in Santa Ana, CA
Ford F-150
GMC Sierra
Chevrolet Colorado
Toyota FJ Cruiser
Chevrolet Equinox
Chevrolet Suburban
Chevrolet Silverado 2500HD
Toyota Tacoma
Nissan Titan
Jeep Liberty

Three good reasons to insure your vehicle

Despite the high cost of buying insurance in Santa Ana, car insurance serves an important purpose.

First, most states have mandatory liability insurance requirements which means you are required to buy specific minimum amounts of liability coverage in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your car has a lienholder, more than likely the lender will make it a condition of the loan that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the bank may buy a policy for your vehicle at a significantly higher premium and force you to pay for it.

Third, insurance safeguards not only your vehicle but also your financial assets. It will also cover hospital and medical expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance will also pay for a defense attorney if you cause an accident and are sued. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to repair the damage.

The benefits of carrying adequate insurance are definitely more than the cost, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver overpays more than $700 annually so compare rates once a year at a minimum to help ensure money is not being wasted.