Finding out which companies offer the lowest-priced insurance rates for unemployed drivers will take a bit more effort than just getting one or two price quotes. Each insurer uses their own calculation for determining rates, so we need to take a look at the most budget-friendly insurance companies in Santa Ana, CA.
Best Auto Insurance Prices for Job Seekers
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Century National | $1,178 |
| 3 | Wawanesa | $1,181 |
| 4 | CSAA | $1,186 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,477 |
| 8 | Progressive | $1,496 |
| 9 | Mercury | $1,503 |
| 10 | Allstate | $1,513 |
| 11 | GEICO | $1,559 |
| 12 | The Hartford | $1,591 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,606 |
| 15 | State Farm | $1,699 |
| 16 | Unitrin | $1,699 |
| 17 | Esurance | $1,739 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $2,026 |
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USAA has some of the cheapest car insurance rates in Santa Ana at around $1,109 each year. This is $542 less than the average rate paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide would also be considered some of the lowest-priced Santa Ana, CA insurance companies.
In the above example, if you are a policyholder with Wawanesa and switched to USAA, you may realize an annual premium reduction of upwards of $72. Insureds with CSAA might save as much as $77 a year, and Nationwide customers might realize rate reductions of up to $117 a year.
Be aware that those premium estimates are averages across all types of drivers and the different vehicles they drive and are not factoring in a specific vehicle garaging location for unemployed drivers. So the company that can offer you the lowest price may not even be in the list above. That underscores the importance of why you need to get quotes using your own personalized driver profile and vehicle information.
One of the many factors that help determine the amount you pay each year for auto insurance is where your car is garaged in Santa Ana. Areas with more people or more claims likely pay more, whereas areas with lower crime rates and fewer weather claims get the luxury of paying less.
The information below rates the priciest cities in California for unemployed drivers in which to purchase auto insurance. Santa Ana is listed at #14 with an annual rate of $1,497 for coverage, which is about $125 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,104 |
| 3 | San Francisco | $1,745 |
| 4 | Sacramento | $1,703 |
| 5 | Oakland | $1,687 |
| 6 | San Bernardino | $1,596 |
| 7 | Long Beach | $1,578 |
| 8 | Fontana | $1,566 |
| 9 | Santa Clarita | $1,548 |
| 10 | Stockton | $1,541 |
| 11 | Modesto | $1,532 |
| 12 | Garden Grove | $1,508 |
| 13 | Moreno Valley | $1,506 |
| 14 | Santa Ana | $1,497 |
| 15 | Riverside | $1,497 |
| 16 | Anaheim | $1,488 |
| 17 | Fresno | $1,472 |
| 18 | San Jose | $1,437 |
| 19 | Bakersfield | $1,381 |
| 20 | Huntington Beach | $1,374 |
| 21 | San Diego | $1,368 |
| 22 | Fremont | $1,348 |
| 23 | Oxnard | $1,344 |
| 24 | Irvine | $1,343 |
| 25 | Chula Vista | $1,337 |
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Rate quotes are approximated as vehicle location can alter prices significantly.
The information below demonstrates how deductible levels can raise or lower insurance rates when researching cheap insurance for unemployed drivers. The premium estimates are based on a single female driver, comp and collision included, and no policy discounts are applied.
The data above shows that a 30-year-old driver could lower their policy premium by $482 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $724 by selecting a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could roll back prices up to $1,068 or more just by using higher deductibles. If you do raise deductibles, it will be important to have additional funds squirreled away to satisfy the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Cautious Santa Ana drivers save money
The ideal way to score low insurance premiums in Santa Ana for the unemployed is to drive safe and avoid accidents and keep your driving record clean. The diagram below illustrates how violations and fender-benders can influence car insurance rates for different ages of insureds. The rates are based on a married female driver, full coverage, $500 deductibles, and no discounts are factored in.
The data charted above shows the average cost of auto insurance in California per year with no violations or accidents is $2,121. Factor in one speeding ticket and the average cost rises to $2,476, an increase of $355 each year. Now throw in two accidents along with the one speeding ticket and the 12-month cost of insurance for unemployed drivers jumps again to an average of $5,689. That's an increase of $3,568, or $297 per month, just for a couple of infractions!
Who has the cheapest Santa Ana car insurance?
Santa Ana, CA insurance rates are calculated based on many things which can substantially change your annual premium. Turning one year older, buying a home instead of renting, or getting caught speeding can cause premium changes that can cause some rates to be more affordable than the competition.
Also, insurance companies change their prices every year to adjust for unexpected claims or profits. Higher than normal claims can result in higher priced premiums, while a better claims history can cause lower-cost Santa Ana car insurance rates.
To illustrate this point, the bar chart below shows which company has the cheapest car insurance in Santa Ana, CA for a 45-year-old male driver with a good driving record, no prior claims, and excellent credit. If we estimate rates based on his personal risk profile, USAA has the cheapest car insurance rates in Santa Ana at $1,255 per year. This is $396 less than the average premium paid by California drivers of $1,651. Century National, CSAA, Wawanesa, and Nationwide round out the rest of the cheapest Santa Ana, CA auto insurance companies.
Let's now give the driver from the first set of rates a claim, poor credit, and a traffic citation. Due to the fact that every auto insurer has their own unique process to determine rates, analyzing rate quotes may now present a slightly different list of the cheapest Santa Ana car insurance companies 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 demonstrates why consumers need to compare as many rates as possible when trying to find the most budget-friendly auto insurance rates for unemployed drivers.
Prices are calculated by many factors and can decrease or increase without notice, so the lowest-price company the last time you checked may now not even be in the top five.
The insurance agents in Santa Ana listed below can most likely aid you in deciding which auto insurance policy would work best for you, as some drivers aren't sure which coverage they need and prefer to have a professional recommendation when trying to find lower insurance rates for unemployed drivers. It's not always easy to find the best coverage yourself, so professional agents can bring comfort knowing your coverage gives you adequate protection in case of an accident or claim.
To locate a Santa Ana auto insurance agent using an interactive map, click the button below the list or click here to compare rates now.
- David Reyes - State Farm Insurance Agent
1077 W 17th St b - Santa Ana, CA 92706 - (714) 285-0155 - Farmers Insurance: Sandy Hocking-Cline
1801 Park Ct Pl - Santa Ana, CA 92701 - (714) 973-9100 - AutoCoast Insurance Agency
912 N Harbor Blvd - Santa Ana, CA 92703 - (714) 956-3100 - All Century Insurance
1200 W Warner Ave B - Santa Ana, CA 92707 - (714) 902-9777 - CRC Insurance Services Inc
1551 N Tustin Ave # 450 - Santa Ana, CA 92705 - (714) 689-0101