Who Has Cheap Car Insurance Rates for Low Mileage Drivers in Santa Ana?

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The words "low-priced" and "insurance" really should not be used together, especially when looking for the cheapest auto insurance for low mileage drivers. In an attempt to save some money, let's teach you some of the factors that influence auto insurance rates, and figure out some ways to take the bite out of the next policy you buy.

One of the more important components that are looked at to help calculate the price you pay for insurance is your zip code. Areas with a lot of weather claims or more people tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates have the benefit of cheaper auto insurance prices.

The information below rates the most expensive places in California for low mileage drivers to purchase a policy in. Santa Ana comes in at #16 with an annual premium of $1,497 for car insurance, which is about $125 each month.

How much does auto insurance cost in Santa Ana?
Rank City Premium Per Year
1 Los Angeles $2,168
2 Glendale $2,121
3 Oakland $1,704
4 San Francisco $1,693
5 Sacramento $1,652
6 Long Beach $1,626
7 Fontana $1,581
8 San Bernardino $1,580
9 Stockton $1,556
10 Garden Grove $1,554
11 Moreno Valley $1,536
12 Santa Clarita $1,533
13 Modesto $1,532
14 Riverside $1,527
15 Fresno $1,502
16 Santa Ana $1,497
17 Anaheim $1,430
18 Huntington Beach $1,402
19 Bakersfield $1,394
20 Irvine $1,384
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Information shown are comparative as the vehicle garaging location can decrease or increase price quotes considerably.

Finding cheap car insurance is not the easiest thing to accomplish, and figuring out which company has the lowest-priced car insurance rates for low mileage drivers takes even more work. Each auto insurance company has a proprietary method to set their prices, so let's begin by examining the overall cheapest car insurance companies in California.

Cheapest Insurance Rates in California

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Rankings for the cheapest car insurance companies in California
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,146
3 Century National $1,190
4 CSAA $1,198
5 Nationwide $1,250
6 21st Century $1,379
7 Grange $1,477
8 Mercury $1,533
9 Allied $1,541
10 Progressive $1,542
11 Allstate $1,543
12 GEICO $1,575
13 The Hartford $1,575
14 MetLife $1,590
15 State Farm $1,682
16 Unitrin $1,699
17 Esurance $1,756
18 Bristol West $1,777
19 Travelers $1,860
20 Farmers $2,026
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USAA quotes some of the most affordable car insurance rates in Santa Ana at around $1,143 a year. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the cheaper Santa Ana, CA car insurance companies.

In the rate table above, if you currently have a policy with Wawanesa and switched to USAA, you could see a yearly savings of approximately $3. Customers with Century National could save as much as $47 a year, and CSAA customers might reduce rates by $55 a year.

To compare your rates to other California insurance companies, click here to begin a quote or quote prices from the following companies.

Bear in mind that those prices are averaged across all drivers and vehicles and do not take into consideration an exact zip code location for low mileage drivers. So the car insurance company that can offer the best rates for your situation may not even be in the top 24 companies in the list above. That illustrates why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.

California car insurance company ratings

Finding the highest-rated car insurance provider is hard considering how many companies are available to choose from in Santa Ana. The company information displayed below may help you choose which coverage providers you want to consider when trying find the best insurance for low mileage drivers.

The rankings below are only comprised of large insurance companies, so companies that may only write in California are not included in these rankings. To compare prices from many more California auto insurance companies, follow this link.

Best Car Insurance Companies for Low Mileage Drivers in California
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

Full coverage or liability only

Paying a lower price for car insurance is important to the majority of drivers, and one of the best ways to find cheaper insurance for low mileage drivers is to only buy liability coverage. The illustration below visualizes the comparison of insurance costs with full physical damage coverage and with liability coverage only. The information is based on no accidents, no driving violations, $250 deductibles, marital status is single, and no other discounts are factored in.

If averaged out across all ages, full coverage costs $2,314 per year more than just buying liability only. At some point, almost every driver questions if buying full coverage is worth the expense. There isn't a steadfast formula of when to drop physical damage insurance, but there is a guideline you can use. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then you might consider buying liability only.

For example, let's say your vehicle's claim settlement value is $7,500 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $6,500 after paying your deductible. If you are paying in excess of $650 annually for your policy with full coverage, then it's probably a good time to buy liability coverage only.

How to find the cheapest insurance for low mileage drivers

Lowering your rates is not difficult, and here are some of the better thrifty ideas that can help Santa Ana drivers locate low-cost auto insurance.

The last item on the list is remarkably crucial, as was emphasized in the prior information. Prices charged by auto insurers in Santa Ana can be adjusted at any time, so don't be hesitant to buy a different policy if you can save money. Having brand loyalty is commendable, but it's not a good idea if that loyalty results in overpaying several hundred dollars every year. In just a few minutes you could compare rates to find cheaper insurance for low mileage drivers.

If you have questions and prefer to have the advice of a professional agent when comparing insurance rates for infrequent drivers, the insurance agencies below are a good start to help you decide which policy fits your needs best.

To locate a Santa Ana insurance agent closest to you, click the button at the bottom of the list.

More Santa Ana, CA insurance agents