Whether you pay high or low rates for auto insurance coverage depends on a lot of factors, but the average cost in Santa Ana is approximately $1,430 every 12 months. On average, the rest of the U.S. pays about $1,200, so Santa Ana drivers pay around $17 more each month than drivers in other states.

Insurance rates in Santa Ana are dependent upon many factors, and one important factor is your choice of vehicle. The rate table below shows insurance cost for popular vehicles bought in Santa Ana.

Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Premium amounts do not factor in specific location information which can affect premiums considerably.

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price estimates do not factor in Santa Ana location which can impact insurance rates noticeably.

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Rate quotes do not factor in specific location which can impact premium rates substantially.

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How violations and accidents impact rates

The chart below demonstrates how speeding tickets and fender-benders impact insurance rates for different insured age categories. The premiums assume a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.

Three good reasons to insure your vehicle

Despite the high cost of buying insurance in Santa Ana, car insurance serves an important purpose.

First, most states have mandatory liability insurance requirements which means you are required to buy specific minimum amounts of liability coverage in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your car has a lienholder, more than likely the lender will make it a condition of the loan that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the bank may buy a policy for your vehicle at a significantly higher premium and force you to pay for it.

Third, insurance safeguards not only your vehicle but also your financial assets. It will also cover hospital and medical expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance will also pay for a defense attorney if you cause an accident and are sued. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to repair the damage.

The benefits of carrying adequate insurance are definitely more than the cost, specifically if you ever have a liability claim. According to a 2015 survey, the average American driver overpays more than $700 annually so compare rates once a year at a minimum to help ensure money is not being wasted.