Buying cheap insurance is not most people's favorite thing to do, and determining which company offers the most affordable auto insurance rates for drivers with good credit involves even more shopping around. Every car insurance company uses different criteria for determining rates, so let's begin by taking a look at the most budget-friendly auto insurance companies in Santa Ana.
Keep in mind that Santa Ana, CA auto insurance rates are based on many factors that will increase or decrease the cost of having a policy. Simply turning a year older, buying a safer car, or getting a driving violation can cause premium changes that can now make some companies more affordable than competitors.
Find the Best Cheap Insurance for High Credit
|Rank||Company||Cost Per Year|
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USAA generally has some of the best car insurance rates in Santa Ana at around $1,143 annually. This is $508 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the cheaper Santa Ana, CA auto insurance companies.
As the rates illustrate above, if you have coverage with CSAA and switched to USAA, you might see annual savings of about $91. Insureds with Nationwide might save as much as $120 a year, and 21st Century insureds might realize rate reductions of up to $236 a year.
To see how much you can save, click here to get a free quote or click through to the companies below.
Be aware that those prices are averages for all drivers and vehicles and and are not calculated with an exact zip code location for drivers with good credit. So the auto insurance company that fits your needs best may not even be in the top 24 companies in the list above. That underscores the importance of why you need to get auto insurance quotes using your own driver data and vehicle information.
The make and model of vehicle needing coverage is one of the primary factors that determines whether or not you find the most economical car insurance for drivers with good credit. Vehicles with higher performance characteristics, poor safety ratings, or a history of substantial liability claims will cost more to insure than more modest models. The table below illustrates auto insurance prices for some of the most budget-friendly vehicles to buy coverage for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$958|
|Ford Escape Limited 4WD||$1,042|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,073|
|Honda Accord LX 4-Dr Sedan||$1,079|
|Ford Focus SE 4-Dr Sedan||$1,112|
|Chevrolet Impala LS||$1,121|
|Toyota RAV4 4WD||$1,134|
|Ford F-150 XLT Crew Cab 2WD||$1,174|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,214|
|GMC Sierra SLE Crew Cab 2WD||$1,222|
|Ford Edge SEL 2WD||$1,218|
|Honda Odyssey EX||$1,226|
|Ford Explorer XLT 2WD||$1,218|
|Toyota Camry LE||$1,243|
|Chevrolet Malibu LS||$1,248|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$1,267|
|Chevrolet Silverado Crew Cab Hybrid 2WD||$1,276|
|Chevrolet Equinox LS AWD||$1,278|
|Dodge Grand Caravan Crew||$1,307|
|Toyota Corolla LE||$1,311|
|Volkswagen Jetta SEL 4-Dr Sedan||$1,335|
|Hyundai Elantra SE 4-Dr Sedan||$1,337|
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Premium amounts do not factor in Santa Ana, CA location which can decrease or increase price quotes significantly.
Looking at the data, you can infer that cars like the Honda CR-V, Ford Escape, and Jeep Wrangler are most likely to be the cheaper vehicles to insure for financially responsible drivers.
Ending up with the highest-rated auto insurance company can be a challenge considering how many companies there are to choose from in California. The company ratings listed below can help you decide which coverage providers you want to consider purchasing coverage from. The ratings below are for companies with a national presence, so smaller regional companies will not be included in these rankings.
Top 10 Large Auto Insurers in Santa Ana Ranked by Customer Satisfaction
- Titan Insurance - 95%
- USAA - 94%
- AAA of Southern California - 92%
- AAA Insurance - 91%
- Nationwide - 90%
- State Farm - 90%
- The Hartford - 89%
- GEICO - 89%
- The General - 88%
- 21st Century - 88%
Get discounts on Santa Ana insurance
Auto insurance companies that sell policies for drivers with good credit may provide discounts that could reduce prices by 30% or more if you meet certain criteria. A list of auto insurance companies and their offered discounts can be found below.
- Progressive has savings for good student, homeowner, online signing, multi-policy, multi-vehicle, and continuous coverage.
- GEICO may have discounts that include anti-lock brakes, multi-vehicle, defensive driver, emergency military deployment, and multi-policy.
- State Farm offers discounts including anti-theft, safe vehicle, multiple policy, student away at school, Drive Safe & Save, and multiple autos.
- Esurance includes discounts for online quote, claim free, anti-lock brakes, safety device, online shopper, and paid-in-full.
- The Hartford has discounts for driver training, vehicle fuel type, air bag, bundle, defensive driver, and anti-theft.
The information below illustrates the difference between insurance costs with and without discounts applied to the premium. The premium estimates are based on a female driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with homeowner, multiple policy, defensive driving course, anti-theft, vehicle safety, and accident-free discounts applied. When discounts are factored in, the average savings per year on auto insurance for drivers with good credit is 28% or $599.
The benefits of price comparisons
Santa Ana, CA auto insurance rates are impacted by many things which can significantly increase or decrease the policy premium. Improving your credit rating, buying a different vehicle, or getting a DUI may generate price changes that may make certain companies cheaper in comparison to the competition. Not only may your risk profile change, but insurance companies modify rates every year or even multiple times each year as an adjustment for underwriting gains or losses. A period of higher than normal claims can cause high rates, while lower claim expenses can result in cheaper Santa Ana car insurance rates.
For instance, the data below shows which companies have the cheapest car insurance in Santa Ana, CA for a 30-year-old female driver with no prior accidents, a clean driving record, and a good credit history. When comparing rates based on her current risk factors, USAA might quote the lowest car insurance rates in Santa Ana at $1,237 each year. This is $414 less than the average premium paid by California drivers of $1,651. Wawanesa, Nationwide, CSAA, and Century National are the rest of the cheapest Santa Ana, CA auto insurance companies.
The next chart shows rates after we give the driver from the first example a chargeable accident, slightly worse credit, and a few traffic violations. Since each auto insurer has a proprietary formula to set policy rates, comparing insurance quotes may now result in a completely different list of the cheapest Santa Ana car insurance companies as shown below.
Grange now has the cheapest car insurance in Santa Ana, CA with Mercury, Allstate, GEICO, and Allied completing the list. This demonstrates why it is critical to compare as many rates as possible when trying to get the most budget-friendly auto insurance rates for drivers with good credit. Car insurance prices are calculated by many different factors and can change substantially, so the most affordable company the last time you shopped around may now be priced much higher than other options.
Tips to find the cheapest auto insurance for drivers with good credit
It is possible to find better rates, and here are some of the better thrifty suggestions that can help California drivers buy more affordable car insurance.
- Buy vehicles with good safety ratings
- Prevent rate increases by staying accident-free
- Raise comprehensive and collision coverage deductibles
- Better credit scores save money
- Just one traffic violation will increase your rates
- Keep rates low by comparing prices once a year
The last item on the list is extraordinarily crucial, as was emphasized in this article. Coverage rates can be adjusted at any time, so drivers shouldn't hesitate to buy from a different company if you find a better deal. Sticking with a specific company is fine, but we do not recommend it if that stubbornness costs you lots of money. In just a couple of minutes you could shop around to find cheaper auto insurance for drivers with good credit in Santa Ana.
If you aren't sure which coverage you need and prefer to have the advice of a professional agent when trying to find lower insurance rates for financially responsible drivers, the agents shown below can probably help you determine which coverage fits your budget.
To locate a Santa Ana insurance agent close to you, click the link at the bottom.
- Farmers Insurance - Manuel Acevedo
3500 S Bristol St #201 - Santa Ana, CA 92704 - (714) 433-2996
- Roberti's Insurance Agency
2128 N Tustin Ave #B - Santa Ana, CA 92705 - (714) 543-2788
- Neighborhood Insurance Agency
1333 E First St - Santa Ana, CA 92701 - (714) 285-9990
- Farmers Insurance: Patricia Kelly
310 N Tustin Ave #A - Santa Ana, CA 92705 - (714) 541-3334
- California Insurance Specialists
400 N Tustin Ave # 425 - Santa Ana, CA 92705 - (714) 558-8041