Who Has Cheap Santa Ana Car Insurance Quotes for Teenage Females?

Start a Free Quote

For teen girls, one of the more important things that determine the annual cost of car insurance is where you keep your vehicle in Santa Ana. Cities with larger populations or higher claim trends likely pay more, whereas more rural areas benefit from lower coverage costs.

The next table rates the most expensive areas in California for teenage females to buy auto insurance in. Santa Ana ranks #17 with an annual cost of $1,439 on average, which is around $120 per month.

How much does car insurance cost in Santa Ana, CA?
Rank City Average Per Year
1 Glendale $2,142
2 Los Angeles $2,083
3 San Francisco $1,745
4 Sacramento $1,720
5 Oakland $1,704
6 San Bernardino $1,644
7 Long Beach $1,610
8 Stockton $1,588
9 Fontana $1,581
10 Garden Grove $1,570
11 Santa Clarita $1,548
12 Moreno Valley $1,536
13 Riverside $1,527
14 Modesto $1,502
15 Fresno $1,502
16 Anaheim $1,474
17 Santa Ana $1,439
18 San Jose $1,437
19 Fremont $1,403
20 Bakersfield $1,394
Find Cheaper Rates Go

Rate information is approximated as the vehicle garaging location can lower or raise price quotes considerably.

The type of vehicle requiring insurance is one of the largest considerations that determines whether or not you find the cheapest insurance for teenage females. Vehicles with more horsepower, poor safety ratings, or a history of substantial liability claims will cost substantially more to insure than safer, lower-performance models.

The list below shows car insurance premiums for the most budget-friendly automobiles to buy insurance for.

Cheapest Vehicles to Insure in Santa Ana, CA
Vehicle Insured Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $4,029
Honda CR-V EX-L 2WD $4,065
Jeep Wrangler Sport 4WD 2-Dr $4,250
Ford Escape Limited 4WD $4,310
Toyota Prius $4,346
Ford F-150 XLT Regular Cab 2WD $4,497
Ford Explorer XLT AWD $4,534
Dodge Grand Caravan CV $4,543
Volkswagen Jetta SE 2.5 Station Wagon $4,591
Honda Odyssey EX W/Rear Entertainment $4,741
Ford Focus SE 4-Dr Sedan $4,749
Ford Edge Limited 2WD $4,741
Toyota Camry LE $4,778
Toyota RAV4 4WD $4,785
Chevrolet Impala LT $4,778
Chevrolet Equinox LT 2WD $4,788
GMC Sierra SLE Crew Cab 2WD $4,778
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $4,815
Dodge Ram 3500 Crew Cab Laramie 2WD $4,823
Chevrolet Malibu LT $4,815
Honda Civic EX 4-Dr Sedan $4,986
Toyota Corolla XLE $5,023
Jeep Grand Cherokee Limited 4WD $5,059
Compare Rates Now Go

Data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in garaging location in Santa Ana, CA which can lower or raise price quotes noticeably.

Based upon these rates, you can expect makes and models like the Hyundai Elantra, Honda CR-V, and Jeep Wrangler will definitely be the most affordable vehicles to insure for teen girls. The price for an auto insurance policy will trend higher because of the fact that there is a higher risk for teenage females, but in general those makes and models will probably have the best insurance prices compared to other types of vehicles.

The information below shows how choosing a deductible can raise or lower insurance prices when trying to find cheap insurance for teenage females. The information is based on a single male driver, full coverage, and no discounts are applied.

In the chart above, a 50-year-old driver could save $506 a year by increasing from a $100 deductible up to a $500 deductible, or save $762 by changing to a $1,000 deductible. Young drivers, like the Age 20 category, have the ability to save $1,674 or more just by choosing larger deductibles. When using a larger deductible, it will be necessary to have plenty of money set aside to offset the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Insuring your vehicle with the right insurance provider can be difficult considering how many choices drivers have in California. The company rank data listed below can help you choose which auto insurers you want to consider to insure your vehicles.

The ratings below are only made up of companies that write coverage in many states, so companies that only write business in California or surrounding areas will not be included in the list. If you'd like to compare prices from these and other companies in California, click this link.

Top 10 Major Auto Insurance Providers in Santa Ana Ranked by Value

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

Top 10 Major Auto Insurance Providers Overall in Santa Ana

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

Should you buy full coverage?

Lowering the price of insurance should be important to most vehicle owners, and one of the easiest ways to reduce the cost of insurance for teenage females is to not insure for full coverage. The chart below visualizes the comparison of auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no claims or violations, $1,000 deductibles, drivers are single, and no discounts are applied.

If averaged for all ages, physical damage coverage on your policy costs an extra $2,467 per year over and above liability only. At some point, almost every driver questions if buying full coverage is a good investment. There is no definitive guideline to drop full coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

There are a few situations where eliminating full coverage is not recommended. If you still owe money on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should not drop full coverage.

If you have coverage questions and would like to get some professional advice when shopping around for cheaper insurance for teenage females, the insurance agencies listed below can most likely aid you in deciding which is the best policy.

To locate a Santa Ana car insurance agency close to you, click the button below the list or click here to compare price quotes.

Jose Gastelum - State Farm Insurance Agent
1780 E McFadden Ave Ste 114 - Santa Ana, CA 92705 - (714) 557-3344

Adriana's Insurance Services
2302 S Bristol St A - Santa Ana, CA 92704 - (714) 352-3777

Farmers Insurance - Juan Chavez
207 N Main St - Santa Ana, CA 92701 - (714) 202-0092

Nuway Insurance Agency Inc.
410 N Bristol St - Santa Ana, CA 92703 - (714) 953-2117

More Santa Ana, CA insurance agents