The type of vehicle requiring coverage is one of the main factors when shopping for low-cost coverage for low credit scores. Vehicles with higher performance characteristics, a lack of advanced safety features, or a history of substantial liability claims will cost quite a bit more to insure than safer, lower-performance models. The list below estimates car insurance premiums for some of the cheaper automobiles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $1,140 |
| GMC Sierra SLE Regular Cab 2WD | $1,164 |
| Chevrolet Malibu LS | $1,170 |
| Chevrolet Impala LT | $1,164 |
| Ford Escape Limited 4WD | $1,171 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $1,200 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,227 |
| Toyota Prius | $1,229 |
| Chevrolet Equinox LTZ AWD | $1,249 |
| Ford Explorer XLT AWD | $1,252 |
| Dodge Grand Caravan CV | $1,259 |
| Toyota RAV4 2WD | $1,274 |
| Jeep Grand Cherokee Laredo 4WD | $1,280 |
| Ford F-150 XLT Super Cab 4WD | $1,281 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,301 |
| Ford Focus SES 2-Dr Coupe | $1,310 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,312 |
| Find Cheaper Rates Go | |
Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Information does not factor in garaging location in Santa Ana, CA which can alter coverage prices noticeably.
Based upon the rates shown, you can conclude that cars like the Honda CR-V, GMC Sierra, Chevrolet Malibu, and Chevrolet Impala are going to be some of the more affordable vehicles to insure for bad credit.
Buying reasonably-priced auto insurance is hard enough, and finding out which companies quote the cheapest insurance rates for low credit scores takes even more rate comparisons. Every insurance provider has a unique approach to determine rates, so let's begin by taking a look at the insurance companies that tend to have lower prices in Santa Ana, CA.
Find Cheaper Auto Insurance in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Century National | $1,190 |
| 3 | Wawanesa | $1,192 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,213 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,488 |
| 9 | Allstate | $1,497 |
| 10 | Progressive | $1,512 |
| 11 | GEICO | $1,559 |
| 12 | Allied | $1,603 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,638 |
| 15 | Esurance | $1,688 |
| 16 | State Farm | $1,699 |
| 17 | Unitrin | $1,750 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $1,946 |
| Get Personalized Rates Go | ||
USAA normally has some of the best car insurance rates in Santa Ana at around $1,155 each year. Century National, Wawanesa, CSAA, and Nationwide also are some of the cheaper Santa Ana, CA insurance companies.
In the above rates, if you currently have a policy with Wawanesa and switched to USAA, you may realize savings of about $37. Customers with CSAA might save as much as $43 a year, and Nationwide policyholders might realize rate reductions of up to $58 a year.
To compare your rates to other California insurance companies, click here to start a quote or visit any of the companies below.
These prices are averages for all drivers and vehicles and do not take into consideration an exact vehicle garaging location for low credit scores. So the auto insurance company that has the cheapest rates for you may not even be in the top 24 companies shown above. That helps illustrate why you need to quote rates from many companies using your own driver and vehicle profiles.
For bad credit, one of the big components that are looked at to help calculate auto insurance rates is where you keep your vehicle. Regions with more people or even just more weather-related claims tend to pay slightly more, whereas areas with less people or fewer weather incidents have the enjoyment of a little cheaper coverage.
The next table shows the priciest cities in California for low credit scores to purchase auto insurance in. Santa Ana is ranked at #15 with a yearly premium of $1,483 for the average policy, which is approximately $124 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,121 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,738 |
| 5 | Sacramento | $1,703 |
| 6 | San Bernardino | $1,596 |
| 7 | Stockton | $1,588 |
| 8 | Long Beach | $1,562 |
| 9 | Garden Grove | $1,554 |
| 10 | Modesto | $1,547 |
| 11 | Moreno Valley | $1,536 |
| 12 | Fontana | $1,535 |
| 13 | Santa Clarita | $1,533 |
| 14 | Riverside | $1,497 |
| 15 | Santa Ana | $1,483 |
| 16 | Anaheim | $1,474 |
| 17 | Fresno | $1,457 |
| 18 | San Jose | $1,395 |
| 19 | Bakersfield | $1,394 |
| 20 | San Diego | $1,368 |
| Find Cheaper Insurance Go | ||
Table data uses approximated as the garaging address in Santa Ana can increase or decrease coverage prices noticeably.
Finding the best insurer can be challenging considering how many choices you have in Santa Ana. The information shown below can help you select which auto insurers to look at purchasing a policy from. The rankings below are only made up of companies that insure vehicles nationwide, so smaller companies that only insure vehicles in California are not taken into consideration for the list.
Top 10 Large Auto Insurers Overall in Santa Ana
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Large Auto Insurers in Santa Ana Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Types of discounts on Santa Ana auto insurance
Car insurance companies that provide coverage for low credit scores may also provide policy discounts that could lower prices by as much as 35% or more if you meet specific eligibility requirements. A list of companies and some of their more popular discounts are shown below.
- GEICO policyholders can earn discounts including military active duty, seat belt use, driver training, daytime running lights, and defensive driver.
- MetLife has discounts for claim-free, good driver, accident-free, defensive driver, good student, multi-policy
- Progressive offers premium reductions for multi-vehicle, good student, homeowner, online signing, online quote discount, continuous coverage, and multi-policy.
- Travelers includes discounts for continuous insurance, student away at school, good student, multi-car, hybrid/electric vehicle, and driver training.
- SAFECO may have discounts that include drive less, multi-car, teen safety rewards, anti-theft, anti-lock brakes, bundle discounts, and accident prevention training.
- AAA has savings for education and occupation, good student, AAA membership discount, good driver, multi-car, and multi-policy.
The chart below illustrates the comparison of insurance premiums with and without discounts applied. The information is based on a male driver, no claims or driving citations, California state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with defensive driving course, claim-free, accident-free, marriage, multiple vehicle, and homeowner discounts applied. In this example, theamount saved on insurance for low credit scores is 28% or $559.
How to find low-cost car insurance for low credit scores
Here are some of the recommended money-saving suggestions that can help you quote lower-cost auto insurance.
- Vehicles with safetly features generally cost less to insure
- Avoid preventable accidents
- Good credit scores may lower your rates
- Do not get tickets or violations
- Frequent claims may make car insurance unaffordable
- Check for cheaper rates once a year
That last piece of advice is certainly important, as we discussed in this piece. Prices fluctuate considerably, so don't be tentative to change insurance companies if a lower-cost policy is available.
We understand brand loyalty, but it's not a good idea if it's costing you lots of hard earned cash every month. If you have a few minutes, compare prices and find cheaper insurance for low credit scores in Santa Ana.
If you aren't sure which coverage you need and prefer to have a professional recommendation when comparing insurance rates for bad credit, the agencies below are willing to help you determine which car insurance policy is best. To locate a Santa Ana car insurance agency close to where you live, click the button link following the list or click here to compare rates now.
- Premier One Insurance Services
2755 N Grand Ave - Santa Ana, CA 92705 - (714) 288-6060 - Nano Insurance Services
423 E First St - Santa Ana, CA 92701 - (714) 564-0398 - Farmers Insurance Agency: Blake Robbins
3611 S Harbor Blvd #200 - Santa Ana, CA 92704 - (417) 263-1934 - First American Property and Casualty Insurance Group
4 First American Way - Santa Ana, CA 92701 - (714) 560-7850