How Much is Auto Insurance for Teenage Males in Santa Ana?

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For teen boys, one of the big things that aid in calculating car insurance rates is where you normally keep your vehicle in Santa Ana. Areas with increased crime or more people tend to have higher auto insurance costs, whereas areas with lower vehicle theft rates and fewer weather claims tend to receive cheaper rates.

The table below rates the most expensive cities in California for teenage males to purchase a policy in. Santa Ana ranks #17 with a yearly premium of $1,439 for car insurance, which is around $120 monthly.

How much does car insurance cost in Santa Ana, CA?
Rank City Average Per Year
1 Los Angeles $2,083
2 Glendale $2,058
3 San Francisco $1,745
4 Oakland $1,704
5 Sacramento $1,669
6 Long Beach $1,626
7 San Bernardino $1,596
8 Stockton $1,588
9 Santa Clarita $1,533
10 Modesto $1,532
11 Garden Grove $1,524
12 Fontana $1,519
13 Moreno Valley $1,506
14 Riverside $1,497
15 Anaheim $1,488
16 Fresno $1,472
17 Santa Ana $1,439
18 San Jose $1,437
19 Bakersfield $1,381
20 Huntington Beach $1,374
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Information shown are comparative as vehicle location can modify coverage rates noticeably.

Determining which company offers the cheapest insurance rates for teenage males will take a little more sweat in order to find coverage that fits your budget.

Each company uses their own formula to set premium rates, so we'll go over the most competitive insurance companies in California. It's important that readers know that Santa Ana, CA insurance rates are calculated based on many things that can increase the cost of your policy. Getting older, having a teenage driver, or getting a ticket for running a stop sign may cause policy rate changes resulting in some companies being affordable when they were higher priced.

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Rankings for the cheapest car insurance companies in California
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,181
3 CSAA $1,198
4 Century National $1,226
5 Nationwide $1,263
6 21st Century $1,366
7 Grange $1,433
8 Progressive $1,512
9 Allstate $1,513
10 GEICO $1,513
11 Mercury $1,533
12 Allied $1,556
13 MetLife $1,590
14 The Hartford $1,623
15 State Farm $1,699
16 Esurance $1,705
17 Unitrin $1,733
18 Bristol West $1,795
19 Travelers $1,860
20 Farmers $2,026
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USAA generally has some of the lowest car insurance rates in Santa Ana at around $1,121 each year. This is $530 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide would also be considered some of the lowest-priced Santa Ana, CA car insurance companies.

In the above rates, if you currently buy coverage from Nationwide and switched to Wawanesa, you may see a yearly price reduction of roughly $82. Customers with 21st Century could save as much as $185 a year, and Grange policyholders might see rate reductions of $252 a year.

If you want to find out if you're overpaying, click here to start your free quote or quote prices from the following companies.

Bear in mind that those estimates are averages across all types of insureds and vehicles and are not factoring in a specific zip code for teenage males. So the insurer that is best for you may not even be in the list above. That is why you need to get auto insurance quotes using your own personal information and vehicle type.

The car, truck, or SUV needing coverage is a large factor when comparison shopping for cheap car insurance for teenage males. Vehicles with higher performance, poor safety ratings, or a history of substantial liability claims will cost significantly more to insure than more economical and safe models.

The next list illustrates coverage prices for a selection of the cheapest automobiles to buy coverage for.

Cheapest Vehicles to Insure in Santa Ana, CA
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V EX 2WD $3,863
Honda Accord LX-P 4-Dr Sedan $3,871
Ford Escape Limited 4WD $4,156
Toyota Prius $4,196
Dodge Grand Caravan SE $4,330
Chevrolet Impala LS $4,540
Ford Focus S 4-Dr Sedan $4,546
Ford Edge Limited 2WD $4,540
Volkswagen Jetta LE 4-Dr Sedan $4,582
Chevrolet Equinox LT 2WD $4,590
Ford Fusion S 4-Dr Sedan $4,582
Chevrolet Malibu LS $4,588
Jeep Grand Cherokee Laredo 4WD $4,582
Toyota RAV4 2WD $4,588
Toyota Tacoma Double Cab 4WD $4,621
Ford Explorer Limited AWD $4,629
Ford F-150 FX4 Super Cab 4WD $4,621
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $4,789
Hyundai Elantra Blue 4-Dr Sedan $4,793
Honda Odyssey EX-L W/Navigation $4,835
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Data variables include single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in zip code location which can raise or lower insurance rates greatly.

Looking at the numbers, you can figure that cars like the Honda CR-V, Honda Accord, and Ford Escape are going to be the less-costly vehicles to insure for teen boys. Car insurance rates will trend higher because of the fact that there is more risk for teenage males, but overall those specific models will most likely have the least expensive rates compared to other types of vehicles.

The example below highlights how deductible choice can impact yearly insurance costs when searching for cheap insurance for teenage males. The data is based on a married male driver, full coverage, and no policy discounts are applied.

The chart above illustrates that a 40-year-old driver could pocket $308 a year by switching from a $100 deductible to a $500 deductible, or save $466 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could shave as much as $1,026 annually by choosing larger deductibles on their policy. When using a larger deductible, it is important to have plenty of discretionary funds to cover the extra out-of-pocket expense associated with higher deductibles.

Impact of careless driving on insurance rates

The common sense way to get the cheapest insurance prices in California for teen boys is to pay attention while driving and have a clean driving record. The example below illustrates how speeding tickets and fender-benders can affect insurance prices for each different age group. The data assumes a single male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.

In the prior example, the average cost of auto insurance per year with no accidents or violations is $2,314. Get written up for one speeding ticket and the average cost increases to $2,608, an increase of $294 each year. Now get one accident along with the one speeding ticket and the annual cost of insurance for teenage males jumps again to an average of $3,426. That's an increase of $1,113, or $93 per month, just for not being more responsible behind the wheel!

Why you should be shopping around

Santa Ana, CA insurance rates are determined by lots of factors that may substantially change your annual premium. Getting older, getting married, or having an at-fault accident can produce rate changes resulting in some rates now being more affordable than before. In addition to those changes, companies file new California car insurance rates as often as every quarter in order to protect their financial rating. Significantly higher losses can cause higher priced premiums, while less frequent claims can produce cheaper Santa Ana car insurance rates.

For instance, the graph below shows the companies that have the cheapest car insurance in Santa Ana, CA for a 40-year-old female driver with a clean driving record, no accidents, and good credit. When comparing rates based on her current situation, USAA may have the lowest car insurance rates in Santa Ana at $1,235 each year. This is $416 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are the rest of the cheapest Santa Ana, CA auto insurance companies.

In this example, we will give the driver in the first example a chargeable accident, poor credit, and a couple of points charged on her driving record. Since every car insurance company has their own process to establish rates, comparing rates may now present a slightly different list of the cheapest car insurance companies in Santa Ana as shown below.

Grange now has the best price in Santa Ana with Allstate, Mercury, Progressive, and GEICO also being competitive. This example demonstrates why California drivers need to compare lots of rates when trying to find the most budget-friendly insurance quotes for teenage males.

Prices are influenced by many different factors and can increase or decrease at any time, so the most affordable company three years ago may now be quite expensive.