The words "affordable" and "auto insurance" really should not be used together, especially when you are trying to find the best car insurance rates for 19 year olds. To help control this cost, let's start the ball rolling by going over some of the factors that influence car insurance rates, and figure out some ideas to lower the cost of the next policy you buy.
Comparing rates for cost effective car insurance is easier said than done, and determining which companies have the most affordable insurance rates for 19 year olds will take even more perseverance. Every insurance provider has a different process for determining rates in each state, so let's begin by examining the insurance companies with the overall cheapest rates in Santa Ana.
We do need to point out that Santa Ana, CA insurance rates are impacted by many factors that control the cost of your policy. Simply turning a year older, buying a different home, or getting a ticket for running a stop sign can produce rate changes resulting in some companies being cheaper in comparison to the competition.
Best Cheap Insurance Rates for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Century National | $1,178 |
| 3 | Wawanesa | $1,181 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,433 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,503 |
| 10 | Progressive | $1,512 |
| 11 | GEICO | $1,559 |
| 12 | Allied | $1,588 |
| 13 | The Hartford | $1,591 |
| 14 | MetLife | $1,638 |
| 15 | State Farm | $1,682 |
| 16 | Esurance | $1,688 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,849 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $1,946 |
| Find Cheaper Rates Go | ||
USAA may offer some of the cheapest car insurance rates in Santa Ana at around $1,121 a year. Century National, Wawanesa, CSAA, and Nationwide also rank well as some of the more affordable Santa Ana, CA auto insurance companies.
As the rates illustrate above, if you have coverage with CSAA and switched to Century National, you might realize an annual premium reduction of about $44. Policyholders with Nationwide may save as much as $48 a year, and 21st Century insureds might reduce prices by as much as $188 a year.
If you want to find out if you're overpaying, click here to begin a quote or visit several of the following companies.
Be aware that those premiums are averages for all drivers and vehicles in California and do not take into consideration a specific vehicle garaging location for 19 year olds. So the company that can offer the best rates for your situation may not even be in the top 24 companies in the list above. That underscores the importance of why you need to get rate quotes from many companies using your own driver information and specific vehicle type.
The make and model of vehicle you are buying coverage for is one of the largest considerations that determines the availability of the most affordable insurance for 19 year olds. Vehicles with limited top-end speed, good safety features, or a low likelihood of liability claims will cost quite a bit less to insure than higher performance models. The information below estimates insurance premiums for a selection of the most economical automobiles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $3,124 |
| Honda CR-V EX 2WD | $3,130 |
| Honda Accord EX-L 4-Dr Sedan | $3,381 |
| Hyundai Elantra SE Touring Station Wagon | $3,391 |
| Toyota Prius | $3,420 |
| Jeep Wrangler Sahara 4WD 2-Dr | $3,490 |
| Volkswagen Jetta 2.0T Station Wagon | $3,638 |
| Ford Edge SEL AWD | $3,668 |
| Chevrolet Malibu Hybrid | $3,708 |
| Toyota RAV4 Sport 2WD | $3,718 |
| Chevrolet Impala LT | $3,708 |
| Toyota Tacoma Double Cab 4WD | $3,716 |
| Toyota Camry LE | $3,708 |
| Chevrolet Equinox LT AWD | $3,713 |
| Ford Fusion S 4-Dr Sedan | $3,708 |
| Ford Explorer Eddie Bauer 4WD | $3,747 |
| Dodge Grand Caravan Crew | $3,755 |
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Data rating is based on single male driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in specific garaging location which can modify premiums greatly.
Based upon the table data, we can expect makes and models like the Ford Escape, Honda CR-V, Honda Accord, and Hyundai Elantra are some of the most budget-friendly vehicles to insure for teenage drivers. The price for an auto insurance policy will be higher anyway because of the fact that there is more claim exposure for 19 year olds, but generally speaking those specific models will tend to have the cheapest car insurance rates compared to all other vehicles.
One of the more important criteria that are looked at to determine car insurance rates is where you live in Santa Ana. Areas with a lot of weather claims or more people tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower prices.
The table below sorts the highest-priced areas in California for 19 year olds to purchase a policy in. Santa Ana shows up at #16 with an annual cost of $1,439 for the average insurance policy, which is approximately $120 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,121 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,755 |
| 5 | Sacramento | $1,669 |
| 6 | Santa Clarita | $1,595 |
| 7 | San Bernardino | $1,580 |
| 8 | Long Beach | $1,578 |
| 9 | Moreno Valley | $1,551 |
| 10 | Stockton | $1,541 |
| 11 | Fontana | $1,535 |
| 12 | Garden Grove | $1,508 |
| 13 | Riverside | $1,497 |
| 14 | Modesto | $1,487 |
| 15 | Fresno | $1,457 |
| 16 | Santa Ana | $1,439 |
| 17 | San Jose | $1,437 |
| 18 | Anaheim | $1,430 |
| 19 | Irvine | $1,384 |
| 20 | Huntington Beach | $1,360 |
| 21 | Fremont | $1,348 |
| 22 | Bakersfield | $1,340 |
| 23 | San Diego | $1,327 |
| 24 | Oxnard | $1,318 |
| 25 | Chula Vista | $1,311 |
| Find Cheaper Insurance Go | ||
Annual rates are estimated as vehicle location can modify insurance rates greatly.
How to get discounts on Santa Ana auto insurance rates
Insurers that provide coverage for 19 year olds may also offer rate discounts that could potentially reduce rates by as much as 35% or more if you qualify for them. A list of companies and their offered discounts can be read below.
- American Family has savings for mySafetyValet, TimeAway discount, bundled insurance, air bags, and good student.
- Nationwide discounts include accident-free, easy pay, defensive driving, anti-theft, business or organization, family plan, and Farm Bureau membership.
- MetLife offers discounts including claim-free, multi-policy, good driver, good student, accident-free, defensive driver
- 21st Century may offer discounts for automatic seat belts, student driver, early bird, driver training, and anti-lock brakes.
- Farmers Insurance policyholders can earn discounts including homeowner, electronic funds transfer, youthful driver, bundle discounts, teen driver, business and professional, and distant student.
- Allstate may include discounts for early signing, economy car, FullPay discount, safe driver, and good payer.
The chart below illustrates the difference between annual premium costs with and without discounts applied. The rate quotes are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with homeowner, safe-driver, claim-free, accident-free, multiple vehicle, and marriage discounts applied. When these discounts are applied, theamount saved on insurance for 19 year olds is 28% or $582.
Impact of violations and accidents on rates in Santa Ana
The best way to get the best insurance rates in California for teenage drivers is to drive cautiously and avoid getting tickets or having accidents. The example below demonstrates how traffic citations and at-fault accidents raise insurance costs for each age group. The data is based on a single female driver, full coverage, $250 deductibles, and no discounts are factored in.
The chart shows that the average cost of a car insurance policy in California per year with no accidents or violations is $2,426. Receive two speeding tickets and the average cost surges to $3,265, an increase of $839 each year. Now include one accident along with the two speeding tickets and the annual cost of insurance for 19 year olds goes up to an average of $4,104. That's an increase of $1,678, or $140 per month, just for not paying attention while driving!
The illustration below demonstrates how choosing different deductibles can affect premium costs when researching cheap insurance for 19 year olds. The data is based on a married female driver, full coverage, and no discounts are applied to the premium.
As shown above, a 30-year-old driver could lower their car insurance rates by $350 a year by increasing from a $100 deductible to a $500 deductible, or save $530 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old, could roll back prices as much as $750 every year just by choosing higher deductibles.
If you do make the decision to raise your deductibles, it will be important to have enough savings set aside to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
If you aren't clear which coverage you need and would like to get some guidance when trying to find the best insurance rates for teenage drivers, the insurance agencies below can provide answers to your questions and help you determine which coverage fits your budget. To locate a Santa Ana auto insurance agent in your neighborhood, click the button at the bottom of the list or click here to compare price quotes.
Nano Insurance Services
423 E First St - Santa Ana, CA 92701 - (714) 564-0398
Everett Callahan Insurance Agency, Inc
1913 17th St - Santa Ana, CA 92705 - (714) 246-8976
Farmers Insurance: Sandy Hocking-Cline
1801 Park Ct Pl - Santa Ana, CA 92701 - (714) 973-9100
Farmers Insurance - Manuel Acevedo
3500 S Bristol St #201 - Santa Ana, CA 92704 - (714) 433-2996
Barrett Insurance Agency
1438 S Main St - Santa Ana, CA 92707 - (714) 973-9999
View more Santa Ana, CA insurance agents
How to find budget-friendly auto insurance for 19 year olds
It's not impossible to find cheaper rates, and here are many money-saving solutions that can help California drivers get cheaper auto insurance.
- Improve your credit rating
- Higher deductibles mean lower rates
- Avoid filing small claims
- Buy your homeowners policy from the same company as your auto insurance
- Full coverage may not be needed on older vehicles
- Vehicles with safetly features generally cost less to insure
- Keep rates low by shopping around frequently
The final tip is highly important, as was pointed out in this article. Auto insurance prices in Santa Ana change a lot, so don't be afraid to buy from a new company if a better rate can be found.
Brand loyalty is great, but is isn't recommended if that loyalty ends up costing several hundred dollars every year. If you have a few minutes, now is a great time to compare rates and find cheaper insurance for 19 year olds.