Who Has the Cheapest Auto Insurance Quotes for Electric Cars in Santa Ana?

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The vehicle you are seeking coverage for is a large consideration that determines whether or not you can buy the best insurance for electric cars. Vehicles with economical engines, good safety features, or low incidents of liability claims will cost substantially less to insure than higher performance models.

The next table presents car insurance premiums for the most budget-friendly vehicles to buy insurance for.

Cheapest Vehicles to Insure in Santa Ana, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 2WD $1,079
Ford Explorer Eddie Bauer 2WD $1,106
Ford Escape XLS 2WD $1,113
Hyundai Elantra GLS Touring Station Wagon $1,120
Honda Civic DX 4-Dr Sedan $1,146
Chevrolet Impala LT $1,169
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,191
Toyota Prius $1,200
Ford Focus SEL 4-Dr Sedan $1,209
Dodge Grand Caravan CV $1,215
Ford Edge Limited AWD $1,231
Volkswagen Jetta SEL 4-Dr Sedan $1,254
GMC Sierra SLE Extended Cab 4WD $1,264
Toyota RAV4 4WD $1,278
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,285
Honda Odyssey EX W/Rear Entertainment $1,287
Chevrolet Malibu Hybrid $1,316
Honda Accord EX 2-Dr Coupe $1,322
Toyota Camry Hybrid $1,339
Hyundai Sonata Limited 4-Dr Sedan $1,344
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Estimates do not factor in garaging location in Santa Ana, CA which can alter auto insurance rates significantly.

Based upon these rates, we can presume that cars like the Honda CR-V, Ford Explorer, Ford Escape, Hyundai Elantra, and Honda Civic should be a few of the most affordable vehicles to insure for eco-friendly vehicles.

One of the many criteria that are used to help calculate the amount you pay for auto insurance is where you choose to live in Santa Ana. Areas with a lot of weather claims or more people likely pay more, whereas areas with less congestion tend to receive slightly lower rates.

The table below sorts the most expensive cities in California for electric cars to buy car insurance in. Santa Ana shows up at #15 with an annual cost of $1,497 for the average insured, which is approximately $125 per month.

How much does auto insurance cost in Santa Ana?
Rank City Annual Premium
1 Los Angeles $2,168
2 Glendale $2,079
3 San Francisco $1,745
4 Oakland $1,687
5 Sacramento $1,652
6 Long Beach $1,610
7 San Bernardino $1,596
8 Stockton $1,588
9 Santa Clarita $1,580
10 Moreno Valley $1,536
11 Fontana $1,535
12 Modesto $1,532
13 Garden Grove $1,508
14 Fresno $1,502
15 Santa Ana $1,497
16 Riverside $1,497
17 Anaheim $1,444
18 San Jose $1,423
19 Fremont $1,403
20 Huntington Beach $1,402
21 Bakersfield $1,394
22 Irvine $1,371
23 Oxnard $1,358
24 Chula Vista $1,350
25 San Diego $1,340
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Table data uses comparative as the specific geographic location can decrease or increase prices substantially.

Get discounts on Santa Ana insurance

Cheaper Santa Ana, CA car insurance for eco-friendly vehiclesInsurers that provide coverage for electric cars may also offer rate discounts that can lower rates by 35% or more if you meet specific criteria. A list of car insurance companies and the discounts they provide include:

The illustration below illustrates the comparison of insurance premiums with and without discounts. The premium estimates are based on a female driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with defensive driving course, safe-driver, anti-theft, passive restraint, accident-free, and homeowner discounts applied. In this example, the average amount saved each year on car insurance for electric cars is 28% or $735.

Illustration showing the impact of accidents and violations

The common sense way to enjoy the cheapest car insurance prices in California for eco-friendly vehicles is to drive cautiously and avoid tickets and accidents. The illustration below illustrates how violations and fender-benders raise insurance rates for each different age category. The premiums are based on a single female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

In the prior example, the average cost of auto insurance per year with a clean driving record and no accidents is $2,394. Factor in two speeding tickets and the average cost jumps to $3,222, an increase of $828 each year. Next add one accident along with the two speeding tickets and the yearly cost of car insurance for electric cars goes up to an average of $4,051. That's an increase of $1,657, or $138 per month, just for not driving carefully!

Choosing the best auto insurance company is difficult considering how many companies sell coverage in California. The company ratings displayed below may help you choose which companies to look at when shopping insurance around for electric cars.

The rankings below are only made up of companies that insure vehicles across America, so smaller companies that only insure vehicles in California will not be included in these rankings. If you'd like to compare prices from the insurers below and more, simply click here.

Best 15 Car Insurance Companies for Electric Cars in Santa Ana
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
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Data Source: Insure.com Best Car Insurance Companies

The importance of comparing Santa Ana car insurance rates

Santa Ana, CA car insurance rates are calculated based on many things that can increase the price of your policy. Improving your credit rating, moving to a new city, or getting caught speeding can trigger changes in premium that can now make some companies cheaper in comparison to the competition.

And not only may your rating factors change, but insurers change prices as needed to adjust for gains or losses. Significantly higher claims may cause price increases, while a profitable period may produce cheaper Santa Ana car insurance rates.

For example, the data below shows the cheapest car insurance in Santa Ana, CA for a 35-year-old female driver with a good driving record, no prior claims, and good credit. When comparing rates based on her current risk profile, USAA may have 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 are also on the list of the most affordable Santa Ana, CA auto insurance companies.

Let's now give the driver in the first chart a claim, a lower credit rating, and a speeding citation. Because each company has their own unique process to set policy rates, comparing insurance quotes may now present a different set of affordable Santa Ana car insurance companies as shown below.

Grange now has the best auto insurance rate in Santa Ana, CA with Progressive, Mercury, Allstate, and GEICO also having competitive pricing. This example illustrates why California drivers need to spend some time comparing rates when trying to get the most economical auto insurance rates for electric cars. Insurance prices can be altered by many different factors and change substantially, so the lowest-price company six months ago may now be quite expensive.