How Much is Auto Insurance for a 20 Year Old Female in Santa Ana?

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You have probably seen the ads from car insurance companies like Progressive, Allstate, and The General that make promises of the cheapest price. So drivers just need to choose the one with the best commercial, right?

Unfortunately, it's just not that easy, as there are a ton of unknown factors like whether you are single or married, whether or not your vehicle has good safety ratings, and what level of deductibles you wish to have, that all impact the cost of coverage. Car insurance is kind of a dry topic, but this article will explain the best ways to find cheap auto insurance and will hopefully give you a good start in finding the cheapest car insurance in Santa Ana.

Deciphering which company has the lowest-priced insurance rates for 20 year old women calls for a little more sweat in order to find the most economical policy. Each auto insurer has a different process for setting rates, so we will examine the most competitive insurance companies in Santa Ana.

Find the Cheapest Auto Insurance for Women Age 20

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Rankings for the cheapest car insurance companies in California
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,157
3 Century National $1,214
4 CSAA $1,222
5 Nationwide $1,250
6 21st Century $1,338
7 Grange $1,477
8 Progressive $1,496
9 Mercury $1,548
10 GEICO $1,559
11 Allstate $1,559
12 Allied $1,588
13 The Hartford $1,623
14 MetLife $1,638
15 Unitrin $1,682
16 Esurance $1,688
17 State Farm $1,733
18 Travelers $1,788
19 Bristol West $1,849
20 Farmers $1,946
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USAA quotes some of the cheapest car insurance rates in Santa Ana at around $1,143 per year. This is $508 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also some of the cheapest Santa Ana, CA auto insurance companies.

As the rates illustrate above, if you currently buy coverage from CSAA and switched to Wawanesa, you may realize an annual savings of approximately $65. Customers with Nationwide could save as much as $93 a year, and 21st Century policyholders might see rate reductions of $181 a year.

To find out how your current rates compare, click here to start your custom quote or feel free to get quotes from the companies below.

These estimates are averages across all ages of drivers and types of vehicles and do not factor in a specific vehicle garaging location for 20 year old women. So the insurer that can offer you the best price may not even be in the list above. That underscores the importance of why you need to get quotes using your own driver information and specific vehicle type.

The car, truck, or SUV on the policy is probably the biggest factor that determines if you can find the lowest-priced car insurance for 20 year old women. Vehicles with more horsepower, poor safety features, or high incidents of liability claims will cost much more to insure than safer, lower-performance models. The next list illustrates coverage premiums for a number of the most cost-effective vehicles to insure.

Cheapest Vehicles to Insure in Santa Ana, CA
Vehicle Estimated Cost for Full Coverage
Ford Escape XLT 2WD $2,274
Honda CR-V LX 2WD $2,280
Toyota Prius $2,489
Volkswagen Jetta SE 2.5 Station Wagon $2,636
Ford Focus SE 4-Dr Sedan $2,660
Honda Civic DX 4-Dr Sedan $2,670
Toyota RAV4 2WD $2,694
Toyota Camry LE $2,700
Chevrolet Impala LT $2,694
GMC Sierra SLE Crew Cab 2WD $2,699
Ford Explorer Limited AWD $2,729
Chevrolet Malibu LT $2,735
Toyota Tacoma Double Cab 4WD $2,729
Dodge Grand Caravan Crew $2,736
Ford F-150 Lariat Crew Cab 2WD $2,729
Jeep Wrangler Unlimited Sport 2WD 4-Dr $2,770
Hyundai Elantra Blue 4-Dr Sedan $2,807
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Data based on single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in specific location which can raise or lower auto insurance rates greatly.

Based upon these rates, you can conclude that cars like the Ford Escape, Honda CR-V, Toyota Prius, and Volkswagen Jetta are most likely going to be some of the more affordable vehicles to insure for young women. The price of auto insurance will tend to be more expensive because of the fact that there is more claim risk for 20 year old women, but overall those vehicles will tend to have the lowest insurance prices that you are likely to find.

How much more does full coverage cost in Santa Ana?

Saving money when shopping for insurance should be important to the majority of vehicle owners, and one common way to buy cheaper insurance for 20 year old women is to buy only liability coverage. The chart below visualizes the comparison of annual premium costs when comparing full coverage to liability only. The prices are based on a clean driving record, no at-fault accidents, $250 deductibles, marital status is single, and no policy discounts are applied.

As an average for all age groups, comprehensive and collision coverage on your policy costs an extra $3,093 per year over and above liability only. At some point, about every driver wonders if buying full coverage is a good investment. There is no written rule that works best for making the decision to drop physical damage insurance, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let's assume your vehicle's replacement cost is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $5,000 after paying the physical damage deductible. If you are paying in excess of $500 a year for your policy with full coverage, then you might want to consider buying only liability coverage.

Discounts on Santa Ana auto insurance

Discounts on insurance for 20 year old womenCar insurance companies that offer coverage for 20 year old women may also offer special discounts that may potentially lower prices by as much as 40% or more if you can meet the requirements. A list of insurance companies and a partial list of their discounts are:

The example below visualizes the comparison of insurance premiums with and without discounts applied to the premium. The premium estimates are based on a female driver, no claims or violations, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with paperless filing, continuous coverage, vehicle safety, paid-in-full, passive restraint, and anti-theft discounts applied. When these discounts are applied, theaverage yearly reduction on insurance for 20 year old women is 21% or $377.

Low rates today, overpriced tomorrow

Santa Ana insurance rates are influenced by many factors which can substantially decrease or increase the cost of coverage. Improving your credit rating, increasing liability limits, or getting a ticket for careless driving can trigger changes in premium that can make some companies affordable when they were higher priced.

Not only may things change on your end, but insurance companies change their prices at least once a year to adjust for gains or losses. An unexpected high level of claims can result in increased rates, while lower claim expenses may result in lower-priced Santa Ana car insurance rates.

To illustrate this example, the chart below shows which company has the cheapest car insurance in Santa Ana, CA for a 45-year-old male driver with no accidents, a clean driving record, and good financial standing. When comparing rates based on his current situation, USAA quotes the lowest car insurance rates in Santa Ana at $1,319 annually. This is $332 less than the average price paid by California drivers of $1,651. Century National, CSAA, Wawanesa, and Nationwide are also on the list of the most affordable Santa Ana, CA auto insurance companies.

Now we will pretend the driver from above an accident claim, poor credit, and a speeding ticket. Due to the fact that every insurance company uses their own formula to set policy rates, comparing prices may now present a completely different list of the cheapest companies as shown below.

Grange now has the best insurance rate in Santa Ana with Mercury, GEICO, Allstate, and Allied now being in the top five. This example illustrates why drivers need to take the time to shop around when trying to get the cheapest insurance quotes for 20 year old women. Prices can be altered by many different factors and change substantially, so the lowest-price company two years ago may now be an over-priced policy.

The Santa Ana auto insurance agencies shown below can answer your questions and help you decide which auto insurance policy fits you best, as many people would rather have a consultation when buying car insurance for 20 year old women. It can be hard to find the cheapest car insurance policy, so professional agents can provide you satisfaction knowing you have suitable coverage if you ever need to use it.

To find an agent by location nearest to you, click the button after the list or click here to compare price quotes.

Farmers Insurance Agency: Blake Robbins
3611 S Harbor Blvd #200 - Santa Ana, CA 92704 - (417) 263-1934

Farmers Insurance - Araceli Padilla
2424 N Grand Ave b - Santa Ana, CA 92705 - (714) 543-4638

Farmers Insurance - Juan Chavez
207 N Main St - Santa Ana, CA 92701 - (714) 202-0092

Leavitt Group - Leavitt Insurance Services of Southern California
1820 E First St #500 - Santa Ana, CA 92705 - (714) 569-2700

More insurance agents in Santa Ana, CA

How to find more affordable insurance for 20 year old women

The list below details some money-saving solutions that can help drivers buy low-cost coverage.

The last suggestion is notably crucial, as was affirmed in this article. Prices charged by companies in Santa Ana vary considerably, so drivers shouldn't be reluctant to buy a different policy if you find a better deal. Having a favorite company is great, but it's not recommended if that loyalty ends up costing potentially thousands of dollars a year. Take a couple minutes and compare prices and find cheaper auto insurance for 20 year old women.