How Much is Santa Ana Auto Insurance for Drivers Over Age 70?

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The words "low-cost" and "auto insurance" really shouldn't be used in the same sentence, especially when you are searching for the best price on coverage for drivers over age 70. Because it's not cheap, let's go over some situations that have an impact on auto insurance rates, and find a few ways to reduce the price of your next policy.

Finding out which insurers offer the cheapest car insurance rates for drivers over age 70 will involve more work in order to find the lowest price. Each auto insurer uses a little different formula for determining prices, so let's rank the most affordable car insurance companies in California.

It's a good idea to know that Santa Ana, CA car insurance rates are calculated based on many things that will increase or decrease the cost of a policy. Simply improving your credit, marrying your spouse, or getting caught speeding can trigger price changes resulting in some companies being cheaper than others.

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What's the cheapest car insurance in California?
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,181
3 CSAA $1,186
4 Century National $1,190
5 Nationwide $1,213
6 21st Century $1,325
7 Grange $1,447
8 Progressive $1,512
9 GEICO $1,529
10 Mercury $1,533
11 Allstate $1,543
12 Allied $1,556
13 MetLife $1,590
14 The Hartford $1,623
15 Unitrin $1,682
16 Esurance $1,688
17 State Farm $1,750
18 Bristol West $1,795
19 Travelers $1,806
20 Farmers $2,026
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USAA generally has some of the cheapest car insurance rates in Santa Ana at around $1,121 annually. This is $530 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide would also be considered some of the cheapest Santa Ana, CA car insurance companies.

In the rate table above, if you currently have coverage with Nationwide and switched to Wawanesa, you might realize yearly savings of roughly $32. Drivers with 21st Century may save as much as $144 a year, and Grange customers might reduce prices by as much as $266 a year.

Be aware that those rates are averaged for all types of insureds and vehicles and do not factor in a vehicle location for drivers over age 70. So the company that has the cheapest price for you may not even be in the top 24 companies shown above. That illustrates why you need to get car insurance quotes using your own driver data and vehicle information.

The vehicle that is being insured is a large factor when looking for affordable insurance for drivers over age 70. Vehicles with limited speed and performance, good safety features, or a positive history of liability claims will cost less to insure than adrenaline junky models. The table below shows auto insurance premiums for a number of the most economical vehicles to insure in California.

Cheapest Vehicles to Insure in Santa Ana, CA
Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 4WD $1,266
Honda CR-V EX-L 4WD $1,285
Toyota Prius $1,384
Ford Edge SE 2WD $1,400
Ford F-150 XL Crew Cab 2WD $1,419
Jeep Wrangler Sahara 4WD 2-Dr $1,426
Toyota Tacoma 4WD $1,419
Toyota Camry LE $1,497
Toyota RAV4 Limited 4WD $1,504
Ford Fusion S 4-Dr Sedan $1,497
Chevrolet Malibu LS $1,507
Chevrolet Impala LT $1,497
Volkswagen Jetta S 4-Dr Sedan $1,503
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Table data assumes single male driver age 70, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can decrease or increase prices greatly.

Based upon the rates shown, we can conclude that models like the Ford Escape, Honda CR-V, and Toyota Prius should be the most budget-friendly vehicles to insure for older drivers. Rates will be higher anyway just because there is a higher risk for drivers over age 70, but in general those vehicles will tend to have the best insurance prices possible.

One of the more important considerations that are used to help calculate the annual cost of car insurance is where you keep your car in Santa Ana. Areas with a lot of weather claims or more people tend to have more expensive auto insurance rates, whereas areas with less congestion tend to receive slightly lower rates.

The table below lists the priciest cities in California for drivers over age 70 to buy an auto insurance policy in. Santa Ana is listed at #13 with an annual cost of $1,497 for coverage, which is about $125 each month.

How much does car insurance cost in Santa Ana, CA?
Rank City Annual Premium
1 Los Angeles $2,146
2 Glendale $2,121
3 Oakland $1,738
4 Sacramento $1,720
5 San Francisco $1,693
6 San Bernardino $1,596
7 Santa Clarita $1,580
8 Long Beach $1,578
9 Stockton $1,556
10 Garden Grove $1,524
11 Fontana $1,519
12 Moreno Valley $1,506
13 Santa Ana $1,497
14 Modesto $1,487
15 Riverside $1,482
16 Fresno $1,472
17 Anaheim $1,444
18 San Jose $1,381
19 Huntington Beach $1,374
20 Bakersfield $1,353
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Rates are estimated as the specific zip code location can lower or raise coverage rates significantly.

Insuring your vehicle with the right insurance provider is difficult considering how many choices you have in California. The information shown next can help you pick which auto insurers to look at when comparing insurance rates for drivers over age 70.

These rankings are only made up of companies with a national presence, so companies that have a smaller presence will not be included in this list. To compare rates from many more California auto insurance companies, click here.

Top 10 Large Car Insurance Companies in Santa Ana Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

Top 10 Large Car Insurance Companies in Santa Ana Ranked by Customer Service

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

The chart below demonstrates how choosing different deductibles can increase or decrease premium costs when getting quotes for cheap insurance for drivers over age 70. Data assumes a single female driver, comp and collision included, and no additional discounts are factored in.

The data above shows that a 40-year-old driver could reduce rates by $476 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $712 by choosing a $1,000 deductible. Younger drivers, like the age 20 example, could reduce their rates as much as $1,216 or even more by choosing a larger deductible amount. If you do raise deductibles, it is important to have enough savings to be able to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

What aren't you shopping around?

Santa Ana, CA car insurance rates are calculated based on many things that will increase or decrease the price of coverage. Simply turning a year older, moving across town, or getting caught speeding may generate price changes that can now make some companies more affordable than the competition.

Additionally, insurance companies file new California car insurance rates every year or even multiple times each year to reflect underwriting profits or losses. An extended period of higher than normal claims may result in more expensive prices, while a better claims history may produce lower-cost Santa Ana car insurance rates.

For instance, the chart below demonstrates which company has the cheapest car insurance in Santa Ana, CA for a 40-year-old male driver with no prior claims, no tickets, and solid credit. Based on his current rating profile, USAA might quote the best car insurance rates in Santa Ana at $1,292 a year. This is $359 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are the rest of the cheapest Santa Ana, CA auto insurance companies.

In this example, we will give the driver from the first rate comparison a chargeable accident, bad credit, and a few blemishes on his driving record. Because each company uses their own formula to set policy rates, comparing rates may now result in a new list of affordable Santa Ana car insurance companies as shown below.

Grange now has the cheapest insurance rate in Santa Ana, CA with Mercury, Progressive, Allied, and Allstate also having competitive pricing. This illustrates why it is so important to compare as many rates as possible to find the lowest insurance rates for drivers over age 70. Insurance prices are influenced by many different factors and can change without notice, so the cheapest company when you last compared rates may now be costing you a lot of money.

The auto insurance agents in Santa Ana shown below are willing to help you determine which coverage fits your budget, as many people would rather have a professional recommendation when shopping around for cheaper insurance for older drivers. It can be challenging to find the cheapest rates, so a licensed agent can bring peace of mind knowing your coverage gives you adequate asset protection. To locate a Santa Ana auto insurance agent by location nearest to you, click the button after the list.

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