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.
| 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.
| 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.
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| 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
Auto 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.
- GEICO has savings for membership and employees, seat belt use, multi-policy, defensive driver, anti-lock brakes, multi-vehicle, and anti-theft.
- MetLife may have discounts that include claim-free, good driver, accident-free, defensive driver, good student, multi-policy
- State Farm has discounts for passive restraint, good driver, safe vehicle, anti-theft, and Drive Safe & Save.
- Progressive may offer discounts for online signing, online quote discount, multi-vehicle, homeowner, good student, continuous coverage, and multi-policy.
- Mercury Insurance includes discounts for good student, location of vehicle, low natural disaster claims, type of vehicle, professional/association, annual mileage, and ease of repair.
- 21st Century offers discounts for 55 and older, student driver, automatic seat belts, theft prevention, good student, and driver training.
- Allstate may include discounts for FullPay discount, defensive driver, teenSMART discount, multi-policy, passive restraint, and resident student.
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.