Who Has Affordable Auto Insurance Rates for Safe Drivers in Santa Ana?

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Finding good, cheap insurance is not the easiest thing to do, and determining which company quotes the best car insurance rates for safe drivers requires more quotes for comparison. Each auto insurance company has a unique approach to determine premium rates, so let's begin by examining the car insurance companies that tend to have lower prices in Santa Ana.

It's important that readers know that California car insurance rates are influenced by many factors which can substantially decrease or increase the cost of having a policy. Improving your credit score, buying a different vehicle, or getting a ticket for running a stop sign can trigger rate changes that can make some companies cheaper than before.

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Cheapest insurance companies in California
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,181
3 CSAA $1,186
4 Century National $1,226
5 Nationwide $1,263
6 21st Century $1,325
7 Grange $1,447
8 Allstate $1,497
9 Mercury $1,503
10 GEICO $1,513
11 Allied $1,556
12 Progressive $1,558
13 The Hartford $1,591
14 MetLife $1,654
15 Unitrin $1,682
16 State Farm $1,699
17 Esurance $1,705
18 Bristol West $1,777
19 Travelers $1,860
20 Farmers $1,966
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USAA generally has some of the cheapest car insurance rates in Santa Ana at around $1,143 each year. Wawanesa, CSAA, Century National, and Nationwide also qualify as some of the cheaper Santa Ana, CA car insurance companies.

In the above example, if you are insured with Century National and switched to USAA, you might see a yearly savings of about $83. Customers with Nationwide might save as much as $120 a year, and 21st Century policyholders might realize rate reductions of up to $182 a year.

It's important to note that these policy rates are averaged across all insureds and vehicles and and are not figured with a specific location for safe drivers. So the company that is best for you may not even be in the list above. That point stresses why you need to get rate quotes from many companies using your own specific driver information and vehicle.

The vehicle requiring coverage is one of the primary factors in finding the lowest-priced coverage for safe drivers. Vehicles with lower performance, an excellent safety record, or a positive history of liability claims will cost much less to insure than high performance models.

The data below estimates auto insurance costs for the most affordable automobiles to insure.

Cheapest Vehicles to Insure in Santa Ana, CA
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLT 2WD $995
Honda Odyssey LX $1,095
Ford F-150 XLT Super Cab 2WD $1,118
Chevrolet Impala LS $1,156
Chevrolet Malibu LS $1,179
Honda CR-V LX 4WD $1,219
Hyundai Sonata GLS 4-Dr Sedan $1,260
Toyota Prius $1,269
Jeep Grand Cherokee SRT-8 4WD $1,262
Ford Fusion SE 4-Dr Sedan $1,271
Ford Focus SE 4-Dr Sedan $1,324
Toyota Camry Hybrid $1,344
Toyota Camry Hybrid $1,352
Dodge Grand Caravan Hero $1,351
GMC Sierra SL Extended Cab 2WD $1,359
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Table data does not factor in Santa Ana, CA location which can affect auto insurance rates significantly.

Based upon these rates, models like the Ford Escape, Honda Odyssey, Ford F-150, and Chevrolet Impala are a few of the cheapest vehicles to insure for good drivers.

Car insurance rates are higher with tickets and accidents

The common sense way to enjoy the best car insurance premiums for good drivers is to be a good driver and avoid tickets and accidents. The example below demonstrates how speeding tickets and at-fault claims can affect insurance prices for different age groups. The rates are based on a single female driver, full coverage, $250 deductibles, and no discounts are applied.

In the previous example, the average cost of an auto insurance policy per year with no accidents or violations is $2,199. Get one speeding ticket and the average cost surges to $2,493, an increase of $294 each year. Then throw in one accident along with the one speeding ticket and the 12-month cost of car insurance for safe drivers increases to an average of $3,311. That's an increase of $1,112, or $93 per month, just for not maintaining a clean driving record!

Do you need full coverage?

Paying a lower price for car insurance is probably important to most drivers, and one of the quickest ways to pay less for insurance for safe drivers is to only pay for liability coverage. The chart below illustrates the difference between annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The price estimates are based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no other discounts are factored in.

Averaged out for all age groups, physical damage insurance costs $2,772 per year more than carrying just liability coverage. That touches on the question if it's a good idea to buy full coverage. There is no written rule to delete comp and collision coverage, but there is a general convention. If the yearly cost for physical damage coverage is about 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

There are some scenarios where dropping full coverage is not recommended. If you haven't paid off your loan, you have to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not remove full coverage.

If you aren't sure which coverage to buy and prefer to get some professional input when shopping for the best coverage for safe drivers, the agents below are willing to help you decide which auto insurance policy would work best for you.

To locate a Santa Ana insurance agent nearest to you, click the button at the bottom of the list or click here to get price quotes now.

CRC Insurance Services Inc
1551 N Tustin Ave # 450 - Santa Ana, CA 92705 - (714) 689-0101

Farmers Insurance - Daniel Canzone
2323 N Tustin Ave, Ste E-F - Santa Ana, CA 92705 - (714) 203-6033

Santa Ana Insurance
1331 W 1st St #101 - Santa Ana, CA 92703 - (714) 953-9341

More Santa Ana, CA insurance agents

How to find cheaper auto insurance for safe drivers

Here are many penny-pinching ideas that can help Santa Ana drivers get lower-cost auto insurance.

The last idea is extraordinarily crucial, as was affirmed in the article above. Rates can be modified anytime, so don't be afraid to buy from a new company if a better deal can be had.

Many drivers have brand loyalty and that's fine, but we do not recommend it if that stubbornness costs you a lot of money. Take a few minutes and shop around to find cheaper car insurance for safe drivers in Santa Ana.