Who Has Affordable Santa Ana Car Insurance Rates for State Employees?

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The vehicle model driven is one of the biggest factors when comparing quotes for the lowest-priced insurance for state employees. Vehicles with more horsepower, a lack of safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than safer models. The table below features coverage costs for some of the most budget-friendly vehicles to insure.

Cheapest Vehicles to Insure in Santa Ana, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $967
Jeep Wrangler Sport 4WD 2-Dr $1,000
Ford Escape XLS 4WD $1,093
Chevrolet Impala LS $1,122
Dodge Grand Caravan Hero $1,144
Ford Edge Limited AWD $1,206
Toyota Prius $1,211
Volkswagen Jetta SE 4-Dr Sedan $1,228
Jeep Grand Cherokee Limited 4WD $1,238
Nissan Rogue S 2WD $1,228
Honda Odyssey Touring $1,234
Kia Optima LX $1,228
Toyota Corolla XRS $1,233
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in specific location which can modify coverage rates noticeably.

Based on these rates, we can infer that models like the Honda CR-V, Jeep Wrangler, and Ford Escape are going to be some of the most affordable vehicles to insure for state workers.

One of the many components that are looked at to determine insurance cost is where you live in Santa Ana. Areas with increased crime or more people tend to have more expensive auto insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates get the luxury of paying less.

The table below rates the most expensive places in California for state employees to purchase auto insurance in. Santa Ana shows up at #15 with the yearly price of $1,497 for the average policy, which is about $125 each month.

How much is auto insurance in Santa Ana, CA?
Rank City Annual Rate
1 Los Angeles $2,083
2 Glendale $2,079
3 Sacramento $1,720
4 San Francisco $1,711
5 Oakland $1,704
6 San Bernardino $1,628
7 Long Beach $1,610
8 Santa Clarita $1,595
9 Stockton $1,556
10 Moreno Valley $1,536
11 Fontana $1,535
12 Garden Grove $1,524
13 Fresno $1,502
14 Modesto $1,502
15 Santa Ana $1,497
16 Riverside $1,497
17 Anaheim $1,444
18 Huntington Beach $1,416
19 San Jose $1,395
20 Fremont $1,389
21 San Diego $1,381
22 Bakersfield $1,353
23 Oxnard $1,344
24 Chula Vista $1,337
25 Irvine $1,330
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Information shown are estimated as the garaging address in Santa Ana can impact premiums greatly.

Buying low-priced insurance is not always easy, and figuring out which companies have the best car insurance rates for state employees requires even more shopping around. Every car insurance company has their own guidelines to set policy rates, so let's take a look at the most budget-friendly car insurance companies in Santa Ana.

We do need to point out that Santa Ana, CA car insurance rates are calculated based on many things which can substantially change your annual premium. This price variation is why consumers need to take the time to shop around when trying to get cheap auto insurance quotes for state employees. Insurance prices are impacted by many risk factors and can decrease or increase without notice, so the most affordable company a year ago may now be one of the more expensive options.

Find the Cheapest Car Insurance in California

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What's the cheapest car insurance in California?
Rank Company Cost Per Year
1 USAA $1,109
2 Wawanesa $1,146
3 Century National $1,178
4 CSAA $1,234
5 Nationwide $1,250
6 21st Century $1,379
7 Grange $1,491
8 Progressive $1,496
9 Allstate $1,497
10 GEICO $1,529
11 Mercury $1,548
12 The Hartford $1,591
13 Allied $1,603
14 MetLife $1,638
15 Unitrin $1,682
16 Esurance $1,705
17 State Farm $1,750
18 Bristol West $1,849
19 Travelers $1,860
20 Farmers $1,946
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USAA has some of the most affordable car insurance rates in Santa Ana at around $1,109 each year. This is $542 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the more affordable Santa Ana, CA insurance companies.

As shown in the table above, if you currently have coverage with Nationwide and switched to Wawanesa, you might realize annual savings of in the neighborhood of $104. California drivers with 21st Century could save as much as $233 a year, and Grange policyholders might lower prices by $345 a year.

Remember that these policy prices are averaged for all types of insureds and vehicles and are not factoring in an exact location for state employees. So the auto insurance company that is best suited for you may not even be in the list above. That point stresses why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.

Discount Santa Ana auto insurance rates

Cheaper Santa Ana, CA car insurance for state workersAuto insurance companies that provide coverage for state employees could also offer policy discounts that could reduce prices by 25% or more if you are eligible for them. A few of the larger companies and the discounts they provide can be found below.

The information below compares auto insurance costs with and without discounts. The data is based on a male driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with marriage, multiple policy, accident-free, multiple vehicle, homeowner, and defensive driving course discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on car insurance for state employees is 28% or $777.

The diagram below demonstrates how deductible levels can increase or decrease insurance premiums when getting quotes for cheap insurance for state employees. The costs are based on a married male driver, comp and collision included, and no discounts are applied.

As shown above, a 40-year-old driver could save $308 a year by changing from a $100 deductible to a $500 deductible, or save $466 by choosing a $1,000 deductible. Even younger drivers, like the age 20 example, could potentially save $1,026 annually by using higher deductibles when buying full coverage.

If you make the decision to raise deductibles, it is necessary to have spare funds to satisfy the extra out-of-pocket expense that comes with higher deductibles.

How careless driving impacts Santa Ana car insurance rates

The easiest way to get cheap car insurance prices in California for state workers is to drive cautiously and avoid accidents and traffic citations. The example below illustrates how speeding tickets and accidents can impact premium costs for each age group. The data assumes a married female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

In the previous example, the average cost of auto insurance in California per year with a clean driving record and no accidents is $1,948. Add in two speeding tickets and the average cost increases to $2,776, an increase of $828 each year. Now add in two accidents along with the two speeding tickets and the 12-month cost of car insurance for state employees increases to an average of $5,713. That's an increase of $3,765, or $314 per month, just for not maintaining a clean driving record!

Don't stick with an overpriced policy

California car insurance rates are determined by lots of factors which can significantly increase or decrease the cost of having a policy. Improving your credit score, increasing deductibles, or getting a few speeding tickets may prompt premium changes that can cause some rates to be more affordable than others. And not only may your rating factors change, but car insurance companies change prices at least once a year to reflect underwriting profits or losses. Significantly higher claims may cause higher rates, while a better loss history can cause cheaper Santa Ana car insurance rates.

To illustrate this point, the graph below shows a variety of companies that have the cheapest car insurance in Santa Ana, CA for a 35-year-old male driver with no prior claims, no tickets, and a good credit rating. If we look at prices based on his current risk profile, USAA might quote the best car insurance rates in Santa Ana at $1,230 a year. This is $421 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA also make the list of the most affordable Santa Ana, CA auto insurance companies.

Now we will give the driver from the above example a claim, a lower credit rating, and a stop sign violation. Since every car insurance company has their own unique process for determining rates in each state, comparing quotes could now result in a new list of the cheapest car insurance companies in Santa Ana as shown below.

Grange now has the cheapest car insurance in Santa Ana with Progressive, Allied, Mercury, and Allstate now being in the top five. This example demonstrates why it is critical to compare many different companies to find cheap insurance quotes for state employees. Insurance rates are influenced by many things and change substantially, so the cheapest rate the last time you checked may now cost much more than other companies.