Cheapest Auto Insurance in Santa Ana, California (2024)
Mile Auto has the cheapest car insurance rates for Santa Ana drivers, with liability-only policies as low as $65 per month.
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
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Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Updated October 30, 2024
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Table of contents
Living only about 10 miles from the ocean and 35 miles from Los Angeles, Santa Ana residents can reach many SoCal destinations in 30 minutes. But owning a car means paying for car insurance. Santa Ana drivers pay an average of $157 per month for liability-only car insurance and $303 per month for full coverage. By comparison, the California state average is $142 for a liability-only policy and $296 for full coverage.
Santa Ana has a population density of more than 11,000 residents per square mile, according to U.S. Census data. Higher population density can lead to traffic congestion, more accidents, and a higher rate of car insurance claims, all of which could contribute to the city’s higher-than-average car insurance costs.
Here’s what you need to know about shopping for and finding affordable car insurance in Santa Ana, California.
Quick Facts
Mile Auto, Sun Coast, and Mercury are the cheapest car insurance companies for Santa Ana drivers.
Santa Ana drivers pay more than the national average rates of $211 for full coverage and $104 for liability-only policies.
Car insurance companies in California can’t use your credit history to determine premiums.[1]
3 of the cheapest car insurance companies in Santa Ana
The cheapest car insurance company for you will depend on multiple factors. Compare multiple companies, starting with the ones below that Insurify identified as some of the best insurers in Santa Ana.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Mile Auto | 7.5 | $112 | $60 | Liability-only coverage |
| GEICO | 9.0 | $330 | $165 | Discounts |
| Travelers | 9.0 | $399 | $200 | Full coverage |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: Mile Auto
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $65/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $120/mo |
4.1
Best choiceBased on 50 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Mile Auto is a pay-per-mile car insurance company focused on low-mileage drivers. If you don’t drive a lot, you can take a picture of your odometer every month, submit it to Mile Auto, and pay only for the miles you drove. Since Mile Auto offers such cheap rates via its pay-per-mile model, it doesn’t give out discounts like other car insurers.
Pros
Potentially low rates for infrequent drivers
Customers can choose their own shop for repairs
Cons
No discounts available
Limited coverage options
Best insurer for discounts: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $167/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $346/mo |
4.0
Best choiceBased on 10113 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,563)
Herman
October 29, 2024
Verified Review
Excellent
For us, it came down to cost and having all of our insurance with the same company, not farmed out.
Greg
October 29, 2024
Verified Review
It's Expensive
It's expensive.
Robert
October 29, 2024
Verified Review
Unpleasant Experience on Cape Cod
My insurance has gone from $37 a month to $82. Stay far away from this company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
The Government Employees Insurance Company, now known as GEICO, started in 1936. In addition to car insurance, GEICO sells insurance products like home insurance, renters insurance, and condo insurance. It received an A++ financial strength rating from AM Best.
Pros
Many discounts available
Robust mobile app
Cons
No gap insurance or rideshare insurance
Local agents aren’t always available
Best insurer for full coverage: Travelers
| User Reviews | 4.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $203/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $419/mo |
4.7
Best choiceBased on 745 verified guest reviews and ratings
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (381)
Vicki
October 27, 2024
Verified Review
Good but Costly
I had a great experience with Travelers and would still be with them, but I got a better rate with another company.
Nancy
October 23, 2024
Verified Review
Not Great by Any Means
Be careful when you submit a claim! They actually owe me $1,000 from five years ago and I still haven't received it.
Birdie
October 21, 2024
Verified Review
Expensive
I've never needed any claims for over 40 years, have no tickets, and an excellent credit score, yet my rates increased by 50%.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Travelers launched in 1864 and is one of the largest property and casualty insurance companies in the U.S. by market share. It offers a long list of car insurance coverage options, as well as various discounts.
Pros
Various discounts
Basic and add-on auto insurance coverages available
Cons
Rideshare insurance not available in California
Below-average rating in J.D. Power’s 2023 Auto Claims Satisfaction Study
How to get the cheapest car insurance in Santa Ana
The top car insurance companies have different premiums and coverage options, so finding affordable insurance may involve a little work on your part. Here’s how you can get cheap car insurance for your needs and budget in Santa Ana:
Shop around. Get free quotes from at least three different companies at the same coverage levels to find the cheapest policy for your unique needs. Make sure each company you explore is reputable by checking its customer satisfaction and financial strength ratings.
Choose a pay-per-mile policy. If you drive fewer than 10,000 miles per year, you may benefit from pay-per-mile or usage-based car insurance. You’ll only pay for the number of miles you drive each month.
Bundle policies. Many insurers offer bundling discounts if you purchase more than one insurance product with them. Bundle your car insurance with your home insurance or renters insurance for a discount.
Practice safe driving habits. “Drivers can help keep their car insurance rates low by always driving safe and avoiding any accidents or tickets,” says Lauren McKenzie, a senior insurance agent at A Plus Insurance.
Find Cheap Car Insurance in Santa Ana
Liability rates start at $65 per month
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Cheapest liability-only car insurance in Santa Ana: Mile Auto
California requires liability car insurance for all drivers. Liability insurance pays for any property damage or injuries you may cause in an at-fault accident. It’s typically the cheapest car insurance policy you can buy because it only covers damages and injuries you cause to other parties, not your own damages or injuries. Liability-only insurance is a good idea for people who drive older vehicles and may not need additional coverages.
But if you lease or finance your vehicle, your leasing company or lender will require you to have full coverage. You should also consider your ability to cover potential out-of-pocket costs in case of an accident before you choose a minimum-coverage policy.
Liability-only insurance in Santa Ana costs an average of $157 per month.
Here are the cheapest car insurance companies for liability-only insurance in Santa Ana.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $65 |
| Sun Coast | $81 |
| Mercury | $102 |
| Anchor | $108 |
| USAA | $126 |
| National General | $142 |
| GEICO | $167 |
| Direct Auto | $168 |
| Allstate | $174 |
| Farmers | $178 |
| State Farm | $193 |
| Travelers | $203 |
| 21st Century | $220 |
| Bristol West | $242 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Santa Ana: Mile Auto
Full-coverage car insurance usually includes three types of policies: liability, collision, and comprehensive insurance. Lenders may require it for people who have auto loans or leases. Thought it costs more than liability-only insurance, full coverage provides extra protection by covering damages to your own vehicle, regardless of fault. Consider full-coverage car insurance if you drive a newer vehicle or want more protection for your assets.
Santa Ana drivers pay an average of $303 per month for full coverage.
Here are the cheapest auto insurers for full coverage in Santa Ana.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $120 |
| Mercury | $190 |
| Sun Coast | $239 |
| Anchor | $253 |
| USAA | $259 |
| GEICO | $346 |
| National General | $346 |
| Allstate | $358 |
| Farmers | $368 |
| Direct Auto | $397 |
| State Farm | $399 |
| Travelers | $419 |
| Bristol West | $452 |
| 21st Century | $456 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Santa Ana, California
Recent Santa Ana, California car insurance prices for Honda, Nissan, BMW , and more.
*Quotes generated for Insurify users in and around Santa Ana, California within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Santa Ana, California within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in California
California is an at-fault — or tort — state, which means the at-fault driver must pay for the damage and injury that they cause to other drivers and passengers. While all drivers must carry bodily injury and property damage liability coverage, optional policies are available for extra peace of mind. California imposes penalties for any driver who fails to show proof of insurance.
Here are California’s car insurance requirements:[2]
Bodily injury liability
$15,000 per person and $30,000 per accident
Property damage liability
$5,000 per accident
Important Information
California liability limits are increasing on Jan. 1, 2025, to 30/60/15. This translates to $30,000 per person and $60,000 per accident for bodily injury liability and $15,000 per accident for property damage liability.[3]
Although California car insurance laws mandate liability coverage, you can add additional coverages to round out your policy and provide more protection. Here are some optional auto coverages you might want to consider as a Santa Ana driver:
Comprehensive coverage
If your vehicle requires repairs or a replacement for non-collision damage, comprehensive insurance can kick in. It covers instances like falling objects, theft, and weather damage.
Collision coverage
Collision coverage pays for damages from an accident with another vehicle or object, no matter who’s at fault.
Uninsured/underinsured motorist coverage
Uninsured motorist coverage will apply if a driver without insurance causes an accident and doesn’t have the coverage to pay for your damages and injuries.
Medical payments coverage
Similar to personal injury protection (PIP), medical payments coverage can pay for your medical bills after an accident, even if you’re liable for it.
California’s low-cost auto insurance plan
California’s Low Cost Automobile Insurance program (CLCA) can help qualifying low-income drivers buy affordable car insurance. Here are the eligibility requirements for the program:
Have a valid California driver’s license
Meet income eligibility requirements
Own a vehicle valued at $25,000 or less
Be at least 16 years old
Have a good driving record or be a new driver
Car insurance through the CLCA is $232 to $932 per year for minimum-liability car insurance, but these costs vary by county. Drivers can purchase additional coverage options, like uninsured/underinsured motorist and medical payments insurance, for an extra $37 to $107 per year.
You can learn more and apply for the California car insurance program at MyLowCostAuto.com.
Cheapest car insurance for drivers with an incident
The lowest premiums are reserved for Santa Ana drivers with clean records. If you have an incident on your record, like an at-fault accident, speeding ticket, or driving under the influence (DUI) conviction, you can expect higher car insurance costs. This is because car insurance companies will consider you a riskier driver and charge more to offset that risk of loss.
Here are the cheapest insurers in Santa Ana by driving history.
Shop for Car Insurance in Santa Ana, CA
Monthly rates start at $80 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Mile Auto
Speeding was a factor in 29% of traffic fatalities in 2021 nationwide.[4] That’s why speeding tickets usually lead to higher auto insurance premiums, even if you didn’t cause an accident.
On average, Santa Ana drivers with speeding tickets pay monthly rates of $397 for full-coverage car insurance and $206 for minimum coverage. Here are the lowest average car insurance quotes for Santa Ana drivers with speeding tickets on their records, by insurance company.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Mile Auto | $65 | $84 |
| Sun Coast | $81 | $106 |
| Mercury | $102 | $137 |
| Anchor | $108 | $134 |
| USAA | $126 | $157 |
| National General | $142 | $178 |
| GEICO | $167 | $208 |
| Direct Auto | $168 | $209 |
| Allstate | $174 | $217 |
| Farmers | $178 | $221 |
| State Farm | $193 | $238 |
| Travelers | $203 | $255 |
| 21st Century | $220 | $284 |
| Bristol West | $242 | $302 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Mile Auto
If you cause a car accident, you’ll pay more for car insurance coverage because insurers will view you as a greater risk on the road. How much your car insurance rates increase depends on the severity of the accident and the claim amount.
An at-fault accident in Santa Ana raises average monthly insurance rates to $368 for full coverage and $191 for liability only. The table below shows the cheapest car insurance companies for drivers with an at-fault accident on their records in Santa Ana.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Mile Auto | $65 | $85 |
| Sun Coast | $81 | $98 |
| Mercury | $102 | $135 |
| Anchor | $108 | $144 |
| USAA | $126 | $156 |
| National General | $142 | $177 |
| GEICO | $167 | $207 |
| Direct Auto | $168 | $212 |
| Allstate | $174 | $215 |
| Farmers | $178 | $219 |
| State Farm | $193 | $237 |
| Travelers | $203 | $253 |
| 21st Century | $220 | $280 |
| Bristol West | $242 | $297 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Mile Auto
A DUI in California results in serious consequences like fines and jail time. It also leads to higher car insurance rates, especially if California requires you to file an SR-22 insurance form and keep it on file for three years.
Santa Ana drivers with DUIs on their records pay average monthly car insurance quotes of $429 for full coverage and $222 for minimum coverage. The table below shows rates for Santa Ana drivers who have DUIs on their records.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Mile Auto | $65 | $100 |
| Sun Coast | $81 | $115 |
| Mercury | $102 | $142 |
| Anchor | $108 | $147 |
| USAA | $126 | $193 |
| National General | $142 | $218 |
| GEICO | $167 | $256 |
| Direct Auto | $168 | $258 |
| Allstate | $174 | $267 |
| Farmers | $178 | $273 |
| State Farm | $193 | $296 |
| Travelers | $203 | $311 |
| 21st Century | $220 | $337 |
| Bristol West | $242 | $371 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Mile Auto
Car insurance rates may increase for drivers around age 70 due to age-related changes to vision, hearing, and driving capabilities.[5] Despite this age group’s higher accident mortality rate per miles driven, senior drivers in Santa Ana still pay the lowest premiums out of every other age group.
Santa Ana seniors pay car insurance rates that average $270 per month for full coverage and $140 for liability policies. Here are the cheapest car insurance companies for senior drivers in Santa Ana.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Mile Auto | $95 | $51 |
| Mercury | $153 | $82 |
| Anchor | $203 | $87 |
| Sun Coast | $213 | $72 |
| USAA | $215 | $105 |
| National General | $277 | $114 |
| GEICO | $287 | $139 |
| Allstate | $299 | $145 |
| Farmers | $300 | $145 |
| Direct Auto | $323 | $137 |
| State Farm | $323 | $156 |
| Travelers | $342 | $166 |
| 21st Century | $355 | $171 |
| Bristol West | $377 | $202 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Mile Auto
Teenagers and young adults are new to driving and less experienced than older drivers. As a result, they get into accidents more frequently, resulting in claims and higher car insurance premiums. By staying on their parents’ policies, qualifying for a good student discount, or completing a defensive driving course, they can save some money on car insurance.
The average cost of car insurance for Santa Ana teen drivers is $456 per month for full coverage and $236 for liability-only policies. Here are the cheapest auto insurers for teens and young drivers in Santa Ana.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Mile Auto | $218 | $118 |
| Mercury | $319 | $171 |
| Sun Coast | $360 | $122 |
| USAA | $401 | $195 |
| Anchor | $404 | $173 |
| GEICO | $507 | $245 |
| Allstate | $590 | $287 |
| Farmers | $601 | $291 |
| State Farm | $633 | $306 |
| National General | $640 | $263 |
| Direct Auto | $675 | $286 |
| Travelers | $706 | $342 |
| Bristol West | $710 | $380 |
| 21st Century | $714 | $345 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Is car insurance more expensive in Santa Ana?
The average cost of car insurance in the U.S. is $104 per month for a liability-only auto policy and $211 per month for full coverage. In Santa Ana, the averages are $157 and $303, respectively.
Note that rates vary by city and ZIP code within California due to factors like population, crime rates, and the number of uninsured drivers.[6]
More cities in California
Below, you’ll find average quotes for car insurance in other cities in California.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Anaheim | $302 | $148 |
| Bakersfield | $256 | $117 |
| Fresno | $252 | $128 |
| Los Angeles | $369 | $203 |
| Modesto | $290 | $133 |
| Oakland | $309 | $155 |
| Sacramento | $310 | $140 |
| San Diego | $252 | $120 |
| San Francisco | $338 | $150 |
| San Jose | $276 | $128 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Santa Ana car insurance FAQs
Check out Insurify’s data on the average cost of car insurance in California to help you better compare quotes. And read the following answers to common questions about Santa Ana car insurance.
How much is car insurance in Santa Ana?
The average cost of car insurance in Santa Ana is $157 per month for liability coverage and $303 per month for full coverage. Your actual rates may be higher or lower than the city average based on factors like your age, gender, driving record, and the make and model of your vehicle.
What company has the cheapest car insurance in Santa Ana?
Mile Auto has the cheapest liability-only rates for Santa Ana drivers, starting at $65 per month. Santa Ana residents can also find affordable coverage with the city’s second- and third-cheapest insurers, Sun Coast and Mercury, which have monthly liability-only rates as low as $81 and $102, respectively.
What are the best car insurance companies in Santa Ana?
Some of the best car insurance companies in Santa Ana include GEICO, Mile Auto, and Travelers. These companies have comparatively affordable average quotes, high customer satisfaction ratings, and solid Insurify Quality Scores.
But you should always compare quotes from at least three different companies to find the best insurer for you. The best price for car insurance depends on your coverage needs and budget.
Is car insurance more expensive in Orange County?
Santa Ana is the county seat of Orange County, and its car insurance rates are reasonable compared to neighboring cities, like Los Angeles and San Francisco. Average premiums in many other cities are generally higher than in Santa Ana, except in San Diego and Modesto.
Can auto insurers in Santa Ana use your credit score to determine rates?
No. Car insurance companies in Santa Ana, California, can’t use your credit history when setting premiums. This means that you won’t pay more for car insurance if you have poor credit than if you had good or excellent credit.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in California
Sources
- Federal Trade Commission. "Credit-Based Insurance Scores."
- California Department of Motor Vehicles. "Insurance Requirements."
- California Legislative Information. "SB-1107 Vehicles: insurance."
- National Highway Traffic Safety Administration. "Speeding."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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