Cheapest Car Insurance In Santa Ana, CA For 2025
GEICO offers the cheapest liability-only car insurance in Santa Ana, with an average rate of $41 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When scouring for the cheapest car insurance in Santa Ana, CA, the options can vary greatly.
For those seeking the cheapest liability-only coverage, GEICO emerges as the most affordable option. Meanwhile, drivers looking for more comprehensive protection find that Wawanesa offers the best rates for full coverage policies. While Wawanesa offers the cheapest car insurance rates for young drivers.
Key Takeaways
Santa Ana’s cheapest liability-only car insurance company is GEICO.
Car insurance in Santa Ana costs an average of $154 per month.
To get the lowest rates, shop around and compare quotes from multiple carriers.
Cheapest Liability-Only Car Insurance In Santa Ana – GEICO
GEICO is the cheapest car insurance company for minimum coverage car insurance in Santa Ana, with an average monthly cost of $41.
Use the table below to compare rates across different insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $41 | $492 |
| Mercury | $58 | $696 |
| Progressive | $64 | $768 |
| USAA | $46 | $552 |
| Wawanesa | $55 | $660 |
Cheapest Full Coverage Insurance In Santa Ana – Wawanesa
Wawanesa has the cheapest car insurance rates for full coverage. Their quotes average $146 a month in Santa Ana.
The table below compares average auto insurance quotes from affordable insurers in Santa Ana.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $152 | $1,824 |
| Mercury Insurance | $158 | $1,896 |
| Progressive | $163 | $1,956 |
| State Farm | $149 | $1,788 |
| Wawanesa | $146 | $1,752 |
Cheapest Car Insurance For Senior Drivers – Wawanesa
Wawanesa offers the cheapest car insurance policy for seniors in Santa Ana, at an average rate of $110 a month.
The below table shows average quotes from the cheapest auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| AAA | $118 | $1,416 |
| GEICO | $112 | $1,344 |
| Mercury Insurance | $120 | $1,440 |
| State Farm | $115 | $1,380 |
| Wawanesa | $110 | $1,320 |
Cheapest Car Insurance In Santa Ana For Teenagers – Wawanesa
Teenage drivers in Santa Ana can find the cheapest quotes from Wawanesa, with average monthly premiums of $298.
The table below shows the companies with the cheapest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $312 | $3,744 |
| Mercury | $326 | $3,912 |
| Progressive | $341 | $4,092 |
| State Farm | $318 | $3,816 |
| Wawanesa | $298 | $3,576 |
Find Affordable Santa Ana Rates
Cheapest Car Insurance In Santa Ana After A Speeding Ticket – Wawanesa
Wawanesa offers the cheapest car insurance in Santa Ana, with average rates of $132 a month for drivers who have a speeding ticket on their record.
You can use the table below to find average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| AAA California | $141 | $1,692 |
| GEICO | $136 | $1,632 |
| Mercury Insurance | $148 | $1,776 |
| Progressive | $144 | $1,728 |
| Wawanesa | $132 | $1,584 |
Cheapest For Drivers With After At-Fault Accident – Wawanesa
Wawanesa offers the cheapest car insurance quotes for drivers with an at-fault incident, with an average rate of $129 per month.
Here are the car insurance companies with the cheapest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| AAA | $142 | $1,704 |
| GEICO | $136 | $1,632 |
| Mercury Insurance | $151 | $1,812 |
| Progressive | $158 | $1,896 |
| Wawanesa | $129 | $1,548 |
Cheapest Rates In Santa Ana For Drivers After A DUI – Wawanesa
Wawanesa offers the cheapest rates for drivers after a DUI in Santa Ana, with average monthly premiums of $176.
Drivers in Santa Ana with a DUI can find the cheapest rates in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| CSAA | $182 | $2,184 |
| GEICO | $196 | $2,352 |
| Mercury Insurance | $188 | $2,256 |
| Progressive | $205 | $2,460 |
| Wawanesa | $176 | $2,112 |
Best Car Insurance Companies In Santa Ana
Drivers in Santa Ana can find the most affordable insurance with Wawanesa for $84 a month. Santa Ana drivers might want to also consider Direct Auto at $89 a month, or Clearcover at $91 per month.
Shown below are the top 10 car insurance companies in Santa Ana, CA, ranked by the average monthly rate they offer.
| Company | Monthly Premium |
| AAA | $187 |
| Allstate | $214 |
| Farmers Insurance | $201 |
| GEICO | $176 |
| Kemper | $189 |
| Liberty Mutual | $223 |
| Mercury Insurance | $198 |
| Progressive | $207 |
| State Farm | $183 |
| Wawanesa | $168 |
Average Car Insurance Cost In Santa Ana
Car accident statistics, weather patterns and other area-specific factors all influence car insurance costs, meaning that what you pay for car insurance in one area will be different to what you pay in another area.
According to our latest research, the average cost of car insurance in Santa Ana is $154 per month, compared to the California state average of $210, and the national average of $172 per month.
| Area | Average Monthly Rate |
| National | $172 |
| California | $210 |
| Santa Ana | $154 |
Average Auto Insurance Rates In Santa Ana – By Age
Age is a key determinant in car insurance rate calculations. Typically, younger drivers encounter higher insurance premiums due to their lack of experience and statistically higher likelihood of accidents and traffic violations. Teenagers can expect to pay around $7,345 per year for car insurance.
As drivers reach 25 years old, their rates usually begin to decrease, assuming they maintain a clean driving record.
The most competitive insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk, which in turn influences the cost of premiums.
| Age | Average Yearly Rate |
| Teenagers | $7,345 |
| 20s | $3,425 |
| 30s | $3,065 |
| 40s | $2,915 |
| 50s | $2,785 |
| 60s | $2,695 |
| 70s | $2,865 |
Average Car Insurance Rates In Santa Ana – By Vehicle
The type of vehicle you own plays a significant role in determining your car insurance costs. Insurance companies take into account factors such as the make, model, year, and body type of the car. Typically, newer vehicles, particularly luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.
You can use the table below to find average rates in Santa Ana for different vehicles.
| Vehicle | Average Monthly Rate |
| Dodge Durango | $248 |
| Infiniti Q50 | $263 |
| Kia Forte | $229 |
| Mazda6 | $233 |
| Nissan Murano | $239 |
Find Affordable Santa Ana Rates
Average Cost Of Auto Insurance In Santa Ana – By Zip Code
Zip codes help insurers to determine crime rates in your area. Therefore, each zip code has different car insurance rates.
You can use the table below to find average insurance rates for different zip codes in Santa Ana.
| Zip Code | Average Monthly Rate |
| 92701 | $214 |
| 92707 | $221 |
| 92703 | $217 |
| 92705 | $209 |
| 92704 | $223 |
How Much Is Car Insurance In Other Cities In California?
The city in which you live greatly influences your car insurance rates. Insurance companies evaluate numerous factors associated with your location, including the probability of accidents, vehicle theft, and vandalism rates, which are generally higher in urban areas. This heightened risk often results in higher premiums.
For example, drivers in Los Angeles can expect to pay around $175 per month for car insurance, while residents of Danville pay an average rate of $125 per month.
| City | Average Monthly Rate |
| Redlands | $143 |
| Danville | $125 |
| Bakersfield | $145 |
| Fresno | $132 |
| San Francisco | $168 |
| San Jose | $154 |
| Orange County | $139 |
| Berkeley | $151 |
| Pasadena | $158 |
| Modesto | $137 |
| Riverside | $141 |
| Stockton | $146 |
| Lancaster | $149 |
| Culver City | $162 |
| Jurupa Valley | $138 |
| Cerritos | $144 |
| Gilroy | $135 |
| Hawthorne | $159 |
| Lynwood | $161 |
| Norwalk | $148 |
| Palo Alto | $152 |
| Pleasanton | $134 |
| Anderson | $122 |
| Los Angeles | $175 |
| Sacramento | $145 |
| Redding | $127 |
| Ontario | $140 |
| Palmdale | $150 |
| San Diego | $143 |
FAQs
Who has the lowest car insurance rates in Santa Ana?
The lowest car insurance rates in Santa Ana are offered by GEICO for the minimum coverage required by the State of California and Wawanesa for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Santa Ana?
The average cost of car insurance in Santa Ana is about $154 per month. Rates will vary based on your zip code, year and model of car, driving record, etc.
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Santa Ana, CA.
Quotes Analyzed
Brands Reviewed
Years Of Experience
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