Determining which insurers offer the cheapest car insurance rates for felons will involve more work than just getting one or two price quotes.
Every car insurance company has a proprietary formula to establish rates, so we'll go over the car insurance companies with the overall best prices in California. It's important that readers know that Santa Ana car insurance rates are calculated based on many things which can substantially change the cost of having a policy. Simply turning a year older, buying a different vehicle, or getting a ticket for careless driving can trigger rate changes resulting in some companies being much cheaper than others.
Cheapest Insurance Rates for Felons
|Rank||Company||Cost Per Year|
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USAA has some of the lowest car insurance rates in Santa Ana at around $1,121 annually. Wawanesa, Century National, Nationwide, and CSAA would also be considered some of the cheaper Santa Ana, CA car insurance companies.
As shown in the rates above, if you are a customer of Nationwide and switched to Wawanesa, you could realize annual savings of upwards of $56. Insureds with CSAA could save as much as $77 a year, and 21st Century policyholders might lower prices by $209 a year.
Understand that those rates are averages for all types of drivers and the different vehicles they drive and and are not calculated with a vehicle location for felons. So the company that can offer you the best rate may not even be in the top 24 companies shown above. That affirms the importance of why you need to compare rates from multiple companies using your own individual information.
One of the more important criteria that are looked at to help calculate auto insurance rates is where your residence is. Regions with more people or even just more weather-related claims tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents have the gratification of cheaper auto insurance rates.
The table below ranks the most expensive areas in California for felons in which to purchase auto insurance. Santa Ana is listed at #17 costing $1,439 for the average policyholder, which is approximately $120 each month.
|Rank||City||Average Per Year|
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Information shown are estimated as zip code location can affect prices greatly.
The type of vehicle you are seeking coverage for is a large consideration when quoting low-cost insurance for felons. Vehicles with high performance, poor safety ratings, or high incidents of liability claims will cost substantially more to insure than safer models. The table below outlines insurance costs for a selection of the cheaper vehicles to buy insurance for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$1,038|
|Honda CR-V EX 2WD||$1,137|
|Ford Escape XLS 4WD||$1,173|
|Chevrolet Impala LS||$1,208|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$1,254|
|Ford F-150 FX4 4WD||$1,260|
|Ford Explorer Limited 2WD||$1,254|
|Jeep Wrangler Rubicon 4WD 2-Dr||$1,272|
|Ford Edge Sport AWD||$1,297|
|Nissan Rogue SL 2WD||$1,316|
|Honda Odyssey EX||$1,318|
|Toyota Tacoma 4WD||$1,326|
|Toyota RAV4 Limited 4WD||$1,345|
|Chevrolet Silverado LT Extended Cab 4WD||$1,352|
|Chevrolet Equinox LT 2WD||$1,345|
|Ford Focus SE 4-Dr Sedan||$1,352|
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Table data does not factor in garaging location in Santa Ana, CA which can revise coverage rates substantially.
Based upon these rates, you can expect makes and models like the Honda Accord, Honda CR-V, Toyota Prius, Ford Escape, and Chevrolet Impala will be some of the most economical vehicles to insure for felons.
Reckless driving habits raise Santa Ana car insurance rates
The recommended way to find the best car insurance premiums in California for felons is to be a cautious driver and avoid getting tickets or having accidents. The example below demonstrates how traffic citations and accidents increase insurance prices for each age group. The premium estimates are based on a single female driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of auto insurance per year with no violations or accidents is $3,204. Receive one speeding ticket and the average cost rises to $3,633, an increase of $429 each year. Now get two accidents along with the one speeding ticket and the annual cost of car insurance for felons goes up to an average of $7,264. That's an increase of $4,060, or $338 per month, just for being a careless driver!
Types of discounts on Santa Ana car insurance rates
Insurance companies that provide coverage for felons could also offer price discounts that may potentially lower prices by 30% or more if you meet specific criteria. A few popular companies and some of their more popular discounts are detailed below.
- Travelers has discounts for continuous insurance, payment discounts, hybrid/electric vehicle, multi-car, good student, home ownership, and IntelliDrive.
- 21st Century offers discounts including air bags, defensive driver, anti-lock brakes, teen driver, automatic seat belts, and student driver.
- State Farm may have discounts that include passive restraint, student away at school, driver's education, good student, safe vehicle, accident-free, and anti-theft.
- GEICO offers premium reductions for multi-policy, military active duty, membership and employees, emergency military deployment, and seat belt use.
- SAFECO may offer discounts for accident prevention training, homeowner, anti-lock brakes, bundle discounts, and teen safety rewards.
- AAA may include discounts for multi-car, good student, pay-in-full, good driver, anti-theft, and education and occupation.
The illustration below illustrates the difference between yearly insurance costs with and without some available policy discounts. The premiums assume a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with accident-free, defensive driving course, anti-theft, safe-driver, multiple policy, and vehicle safety discounts applied. When discounts are applied, the average savings per year on car insurance for felons is 28% or $698.
Who has the cheapest Santa Ana car insurance?
Santa Ana car insurance rates are based on many factors that control the price you have to pay for coverage. Simply improving your credit, buying a home, or having an at-fault accident can cause premium changes that can make some companies more affordable than competitors.
Not only may things change on your end, but insurers change their prices every year to adjust for gains or losses. Higher than normal claims can cause rate increases, while lower claim expenses may cause more affordable Santa Ana car insurance rates.
The bar chart below analyzes the cheapest car insurance in Santa Ana, CA for a 30-year-old female driver with no prior accidents, a clean driving record, and good credit. Based on her current rating profile, USAA offers the best car insurance rates in Santa Ana at $1,313 annually. This is $338 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also on the list of the cheapest Santa Ana, CA auto insurance companies.
In this next rate comparison, we will give the driver from the first set of rates an accident surcharge, poor credit, and an imperfect driving record. Since each auto insurance company has a different process to determine rates, analyzing rate quotes most likely will result in a different list of affordable Santa Ana car insurance companies as shown below.
Grange now has the cheapest car insurance in Santa Ana with Mercury, Progressive, Allstate, and GEICO completing the list. This example shows why drivers need to do a thorough rate comparison when trying to find affordable insurance rates for felons. Auto insurance prices can be altered by many factors and change frequently, so the most economical company the last time you checked may now be priced much higher than other options.
How to find more affordable auto insurance for felons
The list below summarizes some penny-pinching ideas that can help you locate low-cost coverage.
- Safe vehicles cost less to insure
- Accidents can significantly increase rates
- Raise deductibles to save money
- Just one traffic violation will increase your rates
- Improve your credit
- Compare prices frequently to find the best deal
The last idea is particularly crucial, as we noted in this piece. Coverage rates can be changed at any time, so don't be tentative to buy a policy from a new company if you find a better deal.
Brand loyalty is not necessarily bad, but we do not recommend it if that stubbornness costs you a small fortune year after year. It takes less than five minutes to shop around and find cheaper car insurance for felons in Santa Ana.
If you have questions and prefer to get some help when shopping around for cheaper insurance for felons, the agents shown below are a good start to answer your questions and help you decide which car insurance company is the best fit. To locate a Santa Ana insurance agent by location nearest to you, click the link after the list or click here to compare prices now.
- Leavitt Group - Leavitt Insurance Services of Southern California
1820 E First St #500 - Santa Ana, CA 92705 - (714) 569-2700
- Adriana's Insurance Services
2302 S Bristol St A - Santa Ana, CA 92704 - (714) 352-3777
- FIRST HOME INSURANCE AGENCY
1522 E 4th St - Santa Ana, CA 92701 - (714) 560-8835
- Farmers Insurance - Manuel Acevedo
3500 S Bristol St #201 - Santa Ana, CA 92704 - (714) 433-2996
- Jose Gastelum - State Farm Insurance Agent
1780 E McFadden Ave Ste 114 - Santa Ana, CA 92705 - (714) 557-3344