Shopping around for low-priced auto insurance is confusing at best, and determining which company quotes the lowest-priced auto insurance rates for welfare recipients will take even more perseverance.
Each auto insurance company has a proprietary method to establish rates, so we'll go over the auto insurance companies that tend to have lower prices in Santa Ana, CA. It's important that you understand Santa Ana, CA auto insurance rates are calculated based on many things that control the price of coverage. Turning one year older, buying higher coverage limits, or getting a couple of tickets may generate price changes that may make certain companies much cheaper than others.
Find Cheaper Car Insurance in California
USAA normally has some of the most affordable car insurance rates in Santa Ana at around $1,121 a year. Wawanesa, Century National, Nationwide, and CSAA also qualify as some of the more affordable Santa Ana, CA insurance companies.
As the rates illustrate above, if you currently have coverage with Century National and switched to USAA, you could realize a yearly savings of upwards of $57. Insureds with Nationwide might save as much as $92 a year, and CSAA policyholders might lower prices by $101 a year.
These prices are averages across all ages of drivers and types of vehicles and are not factoring in an exact location for welfare recipients. So the company that fits you best may not even be in the list above. That is why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.
For drivers on welfare, one of the more important considerations that determine auto insurance rates is where your residence is in Santa Ana. Areas with more people or more claims tend to have more expensive auto insurance rates, whereas areas with less congestion have the luxury of cheap car insurance rates.
The next table rates the priciest cities in California for welfare recipients to buy auto insurance in. Santa Ana is ranked #16 with an annual cost of $1,453 for the average policy, which is approximately $121 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,142 |
| 3 | San Francisco | $1,763 |
| 4 | Sacramento | $1,703 |
| 5 | Oakland | $1,687 |
| 6 | Stockton | $1,588 |
| 7 | San Bernardino | $1,580 |
| 8 | Garden Grove | $1,570 |
| 9 | Long Beach | $1,562 |
| 10 | Santa Clarita | $1,533 |
| 11 | Modesto | $1,532 |
| 12 | Fontana | $1,519 |
| 13 | Moreno Valley | $1,491 |
| 14 | Riverside | $1,482 |
| 15 | Fresno | $1,457 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,444 |
| 18 | San Jose | $1,437 |
| 19 | Irvine | $1,384 |
| 20 | San Diego | $1,368 |
| 21 | Fremont | $1,361 |
| 22 | Huntington Beach | $1,360 |
| 23 | Bakersfield | $1,340 |
| 24 | Oxnard | $1,304 |
| 25 | Chula Vista | $1,298 |
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Prices are estimated as the specific zip code location can raise or lower coverage rates significantly.
Santa Ana auto insurance companies
Selecting a high-quality auto insurance provider is difficult considering how many companies there are in Santa Ana. The information shown below can help you decide which providers you want to consider when looking for cheaper rates.
The ratings below are for the companies with a significant amount of written premium nationwide, so companies that focus mainly on California business are not factored into the list. To view rates from these and other companies in California, click this link.
Top 10 Large Auto Insurance Providers in Santa Ana Ranked by A.M. Best Rating
- USAA - A++
- Travelers - A++
- State Farm - A++
- GEICO - A++
- Esurance - A+
- Nationwide - A+
- Allstate - A+
- Mercury Insurance - A+
- Progressive - A+
- Titan Insurance - A+
Illustration showing the impact of accidents and violations
In a perfect world, the best way to maintain good auto insurance rates in Santa Ana for drivers on welfare is to drive cautiously and avoid tickets and accidents. The example below demonstrates how speeding tickets and at-fault fender-benders impact insurance costs for different ages of insureds. The rate quotes are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.
In the prior example, the average cost of an auto insurance policy in Santa Ana per year with a clean driving record and no accidents is $2,355. Receive two speeding tickets and the average cost swells to $3,250, an increase of $895 each year. Now get one accident along with the two speeding tickets and the 12-month cost of auto insurance for welfare recipients jumps again to an average of $4,165. That's an increase of $1,811, or $151 per month, just for not being a responsible driver!
The example below highlights how deductible selection can impact premium costs when researching cheap insurance for welfare recipients. The premiums assume a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
A 50-year-old driver could reduce rates by $308 a year by increasing from a $100 deductible up to a $500 deductible, or save $466 by using a $1,000 deductible. Young drivers, like the 20-year-old example, could drop their prices up to $1,026 each year by using higher deductibles when buying full coverage. When raising deductibles, it is a good idea to have additional funds squirreled away to enable you to cover the extra out-of-pocket expense that is associated with using high deductibles.