Santa Ana, California is home to more than 330,000 people. It is also the second-most populous city in Orange County. Nearly 30% households have two cars, and 75% commute solo to work. Santa Ana residents can expect to pay $778 annually for state minimum liability insurance and $2,074 full coverage car insurance.
We compared coverages and discounts, pricing, financial strength, and third-party reviews to find the best and most affordable Santa Ana car insurance companies. Below are the best and most affordable car insurance providers in Santa Ana.
Santa Ana’s best car insurance companies
Santa Ana’s best car insurance companies offer a variety of coverage options, discounts, and positive third-party ratings. They also have excellent financial strength that can pay claims.
Although AAA is most well-known for its roadside assistance packages it also offers a complete line of insurance products including auto, home, and life insurance. The Auto Club of Southern California AAA Club offers drivers the opportunity to receive annual dividends. This is a payment that you get back for insuring your vehicle with the company. The average auto dividend in 2020 was $202.
By bundling their home and auto insurance, drivers can save up 27%. A clean driving record can help drivers save up to 20% on their auto insurance rates. AAA is second on the J.D. survey for its financial strength and ability to pay claims. For overall customer satisfaction, Power 2020 U.S. Auto Insurance Satisfaction Study is available.
Geico is the third-largest auto insurance in California based on market share. It also has the highest financial strength ratings in the industry. Geico offers a coverage calculator to help you determine how much coverage is necessary. Geico offers a variety of coverage options and discounts that allow drivers to tailor their car insurance policy to meet their needs.
According to the J.D. satisfaction ratings, Geico is the fifth-best car insurance in California. Study by Power. It also offers the lowest car insurance rates for minimum state auto insurance limits.
State Farm offers the best discounts to bundle home and auto, at 17% savings. Steer Clear offers student drivers savings of up to 15% and additional savings upto 25% for those who have a minimum B average as full-time students.
California’s top auto insurer, State Farm, is responsible for 13% of California’s market share. State Farm ranks third in customer satisfaction, and sixth for satisfaction with auto claims. Study auto power.
Wawanesa provides auto and home insurance to California residents. Based on customer satisfaction, it is the top-rated insurer in California. It also has the lowest average annual rates for full coverage car policy insurance on our list. Wawanesa offers the best auto insurance rates to drivers who are members of certain affinity groups and have been insured for at least one year.
Santa Ana has the lowest car insurance
We compared the most well-known carriers in Santa Ana to find the lowest car insurance prices. Although Santa Ana drivers are more likely to pay for car insurance than the average cost of car insurance in the country, which is $1674, that doesn’t mean they have to be paying high prices.
Geico is the most affordable Santa Ana car insurance company. It has the highest rates for full coverage and state minimum annual average rates. AAA’s rates are second-cheapest for state minimums, while Mercury’s average annual rates for full coverage are second.
Each of the listed companies has excellent or higher financial strength. There are many options for coverage and discounts that can be customized to meet your family’s needs.
Santa Ana insurance requirements
Santa Ana drivers must adhere to California’s minimum car-insurance liability requirements. These requirements must be met by you if you have:
- $15,000 per person for bodily injury
- $30,000 for bodily injury, accident
- $5,000 per accident, property damage
Comprehensive and collision coverage are not necessary, but it is recommended, especially if your vehicle is financed or leased. Insurance experts recommend that you purchase as much liability insurance coverage as you can afford to protect your finances in the event of an accident.
Santa Ana car insurance discounts
Santa Ana drivers have the option to take advantage of discounts in order to keep their auto insurance rates low. To maximize savings, many discounts can be combined.
- Accident free
- Good student
- Safety features
Santa Ana auto insurance can be reduced by purchasing a car that has anti-theft and safety equipment. Your car insurance costs will be affected if you insure your home and multiple cars with the same company. A good grade is one way to lower the cost of auto insurance for a teenager.
Questions frequently asked
Which is the best auto insurance company?
You need to decide what is most important for you. This could be price, coverages, financial strength, or other policy options. You can get multiple quotes from different auto insurers to help you choose the right Santa Ana car insurance company for your needs.
What is the cost of Santa Ana car insurance?
Rates depend on driving history, car type, and coverages. The average Santa Ana driver pays $778 per year for minimum coverage and $2,074 annually for full coverage.
Santa Ana, how much car insurance do you need?
Car insurance covers you financially in the event of an accident that results in injury or property damage. Consider adding collision and comprehensive coverage to your auto insurance if you need physical damage coverage. Santa Ana accident victims can be protected if they have more coverage.