Car Insurance is as Cheap as $959 in Santa Ana, CA

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The average cost of auto insurance in Santa Ana, CA, is $1,458. This is higher than the cost of auto insurance in neighboring places such as Fountain Valley and Huntington Beach. Numerous factors affect the cost of auto insurance in Santa Ana, ranging from the make and model of the vehicle to the neighborhood one lives in. Zimlon offers car owners the option of keying in their zip code to get accurate auto insurance quotes from multiple insurers. Below is a list of factors that affect the cost of auto insurance in Santa Ana.

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Insurance Requirements:

Car insurance is mandatory for all vehicle owners in California. The minimum liability insurance requirements for private passenger vehicles are as follows:

  • $15,000 for injury/death to a person.

  • $30,000 for injury/death to more than a person.

  • $5,000 for damage to property.

Demographics:

The average cost of auto insurance in Santa Ana for a male teenager is $3,178. This is almost three times the average cost of auto insurance in the city. The infographic above indicates the varying cost of auto insurance for different demographics in the city. In Santa Ana, women are considered to be safer drivers than men. This is perhaps why car insurance is the cheapest for women, at $1,414. Senior men pay $1,516 while senior women pay $1,574 on average.

Deductible:

Deductibles are one of the most common factors affecting the cost of auto insurance in the country and Santa Ana is no different. A higher deductible leads to a decrease in the cost of auto insurance, while a low deductible can lead to an increase. For example, in Santa Ana, opting for a $500 deductible for a Honda Pilot LX can lead to a loss of $90 in terms of savings, while opting for a higher deductible ($1,000) for a Dodge Country Crew, can improve savings up to $110.

Driving Record:

The driving record of car owners also has a direct impact on the cost of auto insurance. Getting charged for offenses such as DUI and driving without a proper license can have a long-term impact on the cost of auto insurance in Santa Ana.  

Credit Score:

A healthy credit score will also determine the cost of one’s auto insurance. Possessing a good credit score will reduce the cost of auto insurance for the car owner. 

Neighborhood:

The neighborhood one lives in, in Santa Ana, can also have an impact on the cost of auto insurance. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes from multiple auto insurance companies. This difference in rate within a city could be due to factors such as the make and model of the vehicle and the rate of auto thefts in the neighborhood.