Who Has Cheap Auto Insurance for Active Military in Santa Ana?

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One of the more important components that are looked at to help calculate car insurance rates is where you call home in Santa Ana. Areas with high crime rates or more dense population will most likely pay more, whereas more rural areas benefit from lower prices.

The following table ranks the highest-priced areas in California for active military to buy an auto insurance policy in. Santa Ana comes in at #16 with a yearly cost of $1,439 for the average policy, which is approximately $120 monthly.

How much is car insurance in Santa Ana?
Rank City Annual Premium
1 Los Angeles $2,168
2 Glendale $2,058
3 Sacramento $1,720
4 Oakland $1,704
5 San Francisco $1,693
6 San Bernardino $1,628
7 Long Beach $1,626
8 Stockton $1,556
9 Santa Clarita $1,548
10 Fontana $1,535
11 Modesto $1,532
12 Garden Grove $1,524
13 Moreno Valley $1,506
14 Fresno $1,502
15 Riverside $1,482
16 Santa Ana $1,439
17 Anaheim $1,430
18 Huntington Beach $1,416
19 San Jose $1,395
20 Fremont $1,361
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Rates are approximated as the specific area where the vehicle is garaged can modify price quotes substantially.

Figuring out which company has the cheapest auto insurance rates for active military will require a little more sweat in order to find the lowest price. Each auto insurer uses a little different formula to set policy rates, so we'll take a look at the lowest cost auto insurance companies in Santa Ana.

Cheapest Insurance Rates for Military

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Cheapest insurance companies in California
Rank Company Cost Per Year
1 USAA $1,155
2 Century National $1,178
3 Wawanesa $1,181
4 CSAA $1,198
5 Nationwide $1,263
6 21st Century $1,366
7 Grange $1,491
8 Allstate $1,497
9 Mercury $1,503
10 Progressive $1,512
11 GEICO $1,529
12 Allied $1,603
13 The Hartford $1,639
14 MetLife $1,654
15 State Farm $1,682
16 Unitrin $1,682
17 Esurance $1,688
18 Bristol West $1,831
19 Travelers $1,860
20 Farmers $2,006
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USAA may have some of the lowest car insurance rates in Santa Ana at around $1,155 per year. Century National, Wawanesa, CSAA, and Nationwide also qualify as some of the more affordable Santa Ana, CA insurance companies.

In the rate table above, if you are a customer of Nationwide and switched to Century National, you might realize an annual savings of in the vicinity of $85. Insureds with 21st Century might save as much as $188 a year, and Grange policyholders might lower prices by $313 a year.

These policy prices are averages across all insureds and vehicles and and are not calculated with an exact vehicle garaging location for active military. So the company that fits your needs best may not even be in the list above. That underscores the importance of why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

The chart below demonstrates how deductibles can impact annual premium costs when trying to find cheap insurance for active military. The information is based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

In the chart above, a 40-year-old driver could reduce rates by $300 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $456 by using a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could roll back prices $750 or more just by choosing higher deductibles when buying full coverage. When increasing deductibles, it is a good idea to have plenty of money set aside to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Types of discounts on Santa Ana car insurance

Discounts on auto insurance for active militaryInsurance companies that sell policies for active military may additionally offer premium discounts that could potentially reduce rates by as much as 40% or more if you are eligible for them. Larger auto insurance companies and the discounts they provide are outlined below.

The information below compares insurance premiums with and without discounts applied to the policy rates. The premiums assume a female driver, no violations or accidents, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with anti-theft, accident-free, homeowner, vehicle safety, marriage, and safe-driver discounts applied. When these discounts are applied, theaverage amount saved on auto insurance for active military is 28% or $893.

Auto insurance companies ranked

Finding the best auto insurance provider can be difficult considering how many companies are available to choose from in California. The ranking data below could help you select which auto insurers to look at comparing prices from.

The rankings below are for large insurance companies, so smaller regional companies are not included in this list. To compare rates from the insurers below and more, simply click here.

Top 10 Major Auto Insurance Providers in Santa Ana Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

Top 10 Major Auto Insurance Providers in Santa Ana Ranked by A.M. Best Rating

  1. USAA - A++
  2. Travelers - A++
  3. State Farm - A++
  4. GEICO - A++
  5. Esurance - A+
  6. Nationwide - A+
  7. Allstate - A+
  8. Mercury Insurance - A+
  9. Progressive - A+
  10. Titan Insurance - A+

The benefit of shopping around

California auto insurance rates are calculated based on many things which can significantly increase or decrease the price you have to pay for coverage. Simply having a birthday, buying a home, or getting into an accident can cause premium changes that can now make some companies cheaper than others. Also, insurers modify rates as often as every three months to adjust for heavy claims or excess profits. A period of increased losses may cause rate hikes, while lower claim levels may produce lower-priced Santa Ana car insurance rates.

The data below demonstrates which company has the cheapest car insurance in Santa Ana, CA for a 35-year-old male driver with no prior claims, no tickets, and good financial standing. When quoting prices based on his current risk factors, USAA offers the best car insurance rates in Santa Ana at $1,236 each year. This is $415 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 cheapest Santa Ana, CA auto insurance companies.

The next chart shows rates after we give the driver in the first example a couple of claims, slightly worse credit, and a couple of points charged on his driving record. Because each company has a different formula for establishing rates, comparing quotes may now present a significantly different list of affordable companies as shown below.

Grange now has the cheapest rate in Santa Ana with Progressive, Mercury, Allied, and Allstate completing the list. This illustrates why California drivers need to do a thorough rate comparison when trying to find the most economical insurance quotes for active military.

Insurance rates are made up of many factors and change frequently, so the best price six months ago may now not even be in the top five.

If you prefer to get help from a professional when buying car insurance for military personnel, the insurance agencies below are a good start to answer your questions and help you decide which is the best policy.

To find a Santa Ana insurance agent closest to you, click the button below the list or click here to get price quotes now.

Farmers Insurance - Manuel Acevedo
3500 S Bristol St #201 - Santa Ana, CA 92704 - (714) 433-2996

Allstate Insurance: Sonia Carolina Franco
2017 N Main St - Santa Ana, CA 92706 - (714) 515-8062

Velece Insurance
830 N Ross St - Santa Ana, CA 92701 - (714) 558-1034

Farmers Insurance: Patricia Kelly
310 N Tustin Ave #A - Santa Ana, CA 92705 - (714) 541-3334

Allstate Insurance: Ramon Valerio
117 S Harbor Blvd - Santa Ana, CA 92704 - (714) 775-5423

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