Finding good, cost effective insurance is confusing at best, and finding out which companies offer the cheapest insurance rates for 17 year olds takes a bit more work. Every insurance company has a proprietary method to establish rates, so first let's look at the rankings for the insurance companies that tend to be cheaper in Santa Ana, CA.
Compare Cheap Insurance Quotes for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,181 |
| 3 | Century National | $1,214 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,488 |
| 9 | Progressive | $1,496 |
| 10 | Allstate | $1,497 |
| 11 | Allied | $1,541 |
| 12 | GEICO | $1,559 |
| 13 | MetLife | $1,638 |
| 14 | The Hartford | $1,639 |
| 15 | Unitrin | $1,699 |
| 16 | State Farm | $1,750 |
| 17 | Esurance | $1,756 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $2,006 |
| Find Cheaper Rates Go | ||
USAA may offer some of the cheapest car insurance rates in Santa Ana at around $1,155 each year. This is $496 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the lowest-priced Santa Ana, CA car insurance companies.
As the example above demonstrates, if you are insured with Wawanesa and switched to USAA, you might realize a yearly savings of upwards of $26. Customers with Century National may save as much as $59 a year, and CSAA policyholders might reduce prices by as much as $67 a year.
To find cheaper insurance rates for your vehicle, click here to start your free quote or click several companies below for low rates.
Understand that those policy prices are averaged for all types of insureds and vehicles and do not factor in a vehicle location for 17 year olds. So the company that has the cheapest price for you may not even be in the top 24 companies shown above. That emphasizes why you need to quote rates from as many companies as possible using your own driver data and vehicle information.
One of the more important components that are used to help calculate the amount you pay each year for auto insurance is where your residence is. Regions with larger populations or more claims will most likely have higher rates, whereas areas with less congestion benefit from lower coverage costs.
The illustration below rates the highest-priced places in California for 17 year olds in which to purchase auto insurance. Santa Ana shows up at #15 with an annual premium of $1,483 for the average insured, which is approximately $124 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,058 |
| 3 | San Francisco | $1,763 |
| 4 | Sacramento | $1,720 |
| 5 | Oakland | $1,704 |
| 6 | San Bernardino | $1,596 |
| 7 | Santa Clarita | $1,595 |
| 8 | Stockton | $1,588 |
| 9 | Long Beach | $1,562 |
| 10 | Riverside | $1,542 |
| 11 | Moreno Valley | $1,536 |
| 12 | Modesto | $1,532 |
| 13 | Garden Grove | $1,524 |
| 14 | Fontana | $1,519 |
| 15 | Santa Ana | $1,483 |
| 16 | Fresno | $1,457 |
| 17 | Anaheim | $1,430 |
| 18 | Fremont | $1,403 |
| 19 | San Jose | $1,395 |
| 20 | Huntington Beach | $1,360 |
| 21 | Oxnard | $1,358 |
| 22 | Bakersfield | $1,340 |
| 23 | Irvine | $1,330 |
| 24 | San Diego | $1,327 |
| 25 | Chula Vista | $1,311 |
| Find the Best Rates Go | ||
Table data uses comparative as the garaging address in Santa Ana can influence price quotes considerably.
Poor driving habits will raise your insurance rates
In a perfect world, the ideal way to find good insurance prices for teen drivers is to be a safe driver and not have accidents or get tickets. The diagram below highlights how speeding tickets and at-fault accidents impact yearly insurance costs for different age groups of insureds. The price estimates are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
In the chart above, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $2,314. Add in two speeding tickets and the average cost increases to $3,067, an increase of $754 each year. Next add one accident along with the two speeding tickets and the 12-month cost of insurance for 17 year olds increases to an average of $3,817. That's an increase of $1,504, or $125 per month, just for not keeping your driving record clean!
The illustration below illustrates how choosing a deductible can raise or lower annual premium costs when getting quotes for cheap insurance for 17 year olds. The premiums are based on a single male driver, full coverage, and no discounts are applied.
A 40-year-old driver could cut expenses by $492 a year by switching from a $100 deductible to a $500 deductible, or save $738 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old, could potentially save $1,640 or more just by choosing higher deductibles when buying full coverage.
If you make the decision to raise deductibles, it will be important to have spare funds to be able to pay the extra out-of-pocket expense that comes with higher deductibles.
Compare rates to save
California insurance rates are influenced by many factors that control the price you have to pay for coverage. Improving your credit rating, buying higher coverage limits, or getting a reckless driving citation may prompt premium changes resulting in some companies being cheaper than others.
In addition, insurance companies file new California auto insurance rates multiple times each year in order to protect their financial rating. Larger than normal claims can result in additional premium costs, while a better claims history can cause lower-priced Santa Ana car insurance rates.
The chart below shows which company has the cheapest car insurance in Santa Ana, CA for a 45-year-old female driver with a clear driving record, no claims, and good credit. Based on her personal profile, Wawanesa may offer the most affordable car insurance rates in Santa Ana at $1,270 a year. This is $381 less than the average rate paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide are the remaining most affordable Santa Ana, CA auto insurance companies.
The example below compares rates after we give the driver from the first rate comparison an accident claim, a little lower credit rating, and a traffic ticket or two. Because every insurance company uses a different method for filing rates in each state, comparing insurance quotes may result in a different list of affordable Santa Ana car insurance companies as shown below.
Grange now has the best auto insurance rate in Santa Ana, CA with Mercury, Allstate, Progressive, and GEICO completing the list. This example proves why it is so important to compare rates to find the lowest auto insurance rates for 17 year olds. Prices are made up of many risk factors and can decrease or increase without notice, so the cheapest company two years ago may now be wasting a lot of money.