The words "economical" and "auto insurance" really shouldn't be used together, in particular when you are shopping around for the lowest insurance rates after a speeding ticket. To help control this cost, let's go over some of the factors that help determine insurance prices, and find some ways to lower the price of the next policy you buy.
Finding out which companies quote the most affordable auto insurance rates after a speeding ticket takes more time than just comparing rates from one or two companies.
Each insurer uses a little different formula to set their prices, so let's examine the auto insurance companies with the overall best prices in Santa Ana, CA.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Wawanesa | $1,146 |
| 2 | USAA | $1,155 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,533 |
| 9 | Allstate | $1,543 |
| 10 | Progressive | $1,558 |
| 11 | GEICO | $1,559 |
| 12 | Allied | $1,588 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,639 |
| 15 | State Farm | $1,733 |
| 16 | Esurance | $1,739 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,831 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $1,946 |
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Wawanesa has some of the lowest car insurance rates in Santa Ana at around $1,146 a year. USAA, Century National, CSAA, and Nationwide would also be considered some of the lowest-priced Santa Ana, CA insurance companies.
As illustrated above, if you are insured with CSAA and switched to Wawanesa, you may see an annual savings of roughly $52. Insureds with Nationwide may save as much as $80 a year, and 21st Century customers might cut rates by $179 a year.
Remember that these policy prices are averages for all types of drivers and the different vehicles they drive and and are not figured with a vehicle location after a speeding ticket. So the car insurance company that fits you best may not even be in the top 24 companies in the list above. That affirms the importance of why you need to get rate quotes from many companies using your own driver data and vehicle information.
After a few driving violations, one of the more important criteria that are used to help calculate car insurance rates is where you keep your car in Santa Ana. Areas with increased crime or more people tend to pay slightly more, whereas areas with less people or fewer weather incidents have the luxury of lower rates.
The next table sorts the most expensive areas in California after a speeding ticket to buy auto insurance in. Santa Ana makes the list at #17 with the yearly price of $1,439 for the average insurance policy, which is approximately $120 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,669 |
| 6 | Long Beach | $1,626 |
| 7 | San Bernardino | $1,596 |
| 8 | Santa Clarita | $1,580 |
| 9 | Moreno Valley | $1,551 |
| 10 | Riverside | $1,542 |
| 11 | Stockton | $1,541 |
| 12 | Fontana | $1,519 |
| 13 | Fresno | $1,517 |
| 14 | Garden Grove | $1,508 |
| 15 | Modesto | $1,487 |
| 16 | Anaheim | $1,444 |
| 17 | Santa Ana | $1,439 |
| 18 | Fremont | $1,403 |
| 19 | Huntington Beach | $1,402 |
| 20 | San Jose | $1,395 |
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Information shown are estimated as specific Santa Ana garaging address can change auto insurance rates noticeably.
The example below highlights how deductible selection can affect insurance costs when trying to find cheap insurance after a speeding ticket. The information is based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.
In the chart above, a 50-year-old driver could pocket $506 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $762 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old, could lower their rates $1,674 or more by using higher deductibles when buying full coverage.
When insureds make the decision to increase the deductibles on their policy, it will be important to have enough in a savings account to be able to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Buying coverage from a high-quality insurance provider can be challenging considering how many companies there are in California. The company ratings in the next section may help you decide which providers to look at purchasing coverage from. These ratings include companies with a nationwide focus, so companies that only write business in California or surrounding areas will not be included in this list.
Top 10 Major Car Insurance Companies 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%
Top 10 Major Car Insurance Companies Overall in Santa Ana
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Why you are probably overpaying for car insurance
Santa Ana auto insurance rates are calculated based on many things that may substantially change the policy price. Simply having another birthday, having a claim, or getting a couple of tickets may generate price changes that may make certain companies more affordable than competitors. Not only may your situation change, but auto insurance companies change premium rates without warning to adjust for gains or losses. An unexpected high level of claims may cause price increases, while profitable underwriting can produce more affordable Santa Ana car insurance rates.
The graph below shows the companies that have the cheapest car insurance in Santa Ana, CA for a 45-year-old female driver with no accidents or violations, and great credit. Based on her current risk profile, USAA might offer the cheapest car insurance rates in Santa Ana at $1,255 per year. This is $396 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also make the list of the most affordable Santa Ana, CA auto insurance companies.
The example below compares rates after we give the driver in the first example a claim or two, less-than-perfect credit, and a speeding ticket. Due to the fact that every insurance company has a proprietary formula for setting rates, analyzing rates may now show a different list of the cheapest car insurance companies in Santa Ana as shown below.
Grange now has the best price on car insurance in Santa Ana, CA with Mercury, Progressive, Allstate, and GEICO now being in the top five. This example illustrates why California drivers need to do a thorough rate comparison to get the most budget-friendly insurance quotes after a speeding ticket. Car insurance prices can be altered by many things and can increase or decrease at any time, so the best company the last time you shopped around may now cost much more than other companies.
The auto insurance agents in Santa Ana shown below can most likely help you make a decision which coverage fits your budget, as some people have coverage questions and would like to get help from a professional when buying car insurance after a speeding ticket. It can be time-consuming to find the cheapest auto insurance company, so insurance agents licensed in the state of California can give you satisfaction knowing your coverage gives you enough protection. To locate a Santa Ana auto insurance agent by location nearest to you, click the button at the bottom or click here to compare prices now.
- Ammar Insurance Agency
726 S Main St - Santa Ana, CA 92701 - (714) 547-2400 - Aidee Lopez - State Farm Insurance Agent
3750 W McFadden Ave e - Santa Ana, CA 92704 - (714) 775-3090 - Ayala's Insurance
2020 N Grand Ave #107 - Santa Ana, CA 92705 - (714) 210-5770
More insurance agents in Santa Ana, CA
How to find more affordable insurance after a speeding ticket
Lowering your rates is not difficult, and here are some of the better money-saving suggestions that can help drivers quote more affordable car insurance.
- Pay for smaller claims out-of-pocket
- Assess whether full coverage is needed
- Choose a safer vehicle and pay lower rates
- Save money by insuring your home and auto with the same company
- Avoid at-fault accidents and claims
- Keep your driving record clean
- Compare rates once a year for cheaper prices
The last tip is incredibly significant, as we noted in the prior information. Prices charged by car insurance companies in Santa Ana can be adjusted at any time, so you should be ready to buy a different policy if a cheaper price is available. Sticking with a specific company is fine, but we do not recommend it if it's costing you hundreds every year. Now is a great time to compare prices to find cheaper car insurance after a speeding ticket.