The type of vehicle requiring insurance is probably the largest consideration that determines whether or not you find the best cheap coverage for 4x4 vehicles. Vehicles with lower performance, advanced safety features, or a low likelihood of liability claims will cost substantially less to insure than fast, unsafe models.
The information below outlines insurance costs for a selection of the most cost-effective automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $1,061 |
| Honda Accord LX-P 4-Dr Sedan | $1,137 |
| Toyota Prius | $1,150 |
| Ford Escape XLT 2WD | $1,173 |
| Toyota RAV4 4WD | $1,231 |
| Ford Explorer XLT 4WD | $1,272 |
| Dodge Grand Caravan SE | $1,278 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,272 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,297 |
| Toyota Corolla LE | $1,304 |
| Ford F-150 Lariat Crew Cab Harley 2WD | $1,320 |
| GMC Sierra SLT Extended Cab 2WD | $1,329 |
| Chevrolet Silverado LS Regular Cab 2WD | $1,341 |
| Nissan Rogue SL AWD | $1,382 |
| Ford Focus SE 2-Dr Coupe | $1,388 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,391 |
| Toyota Camry Hybrid | $1,405 |
| Start Your Quote Go | |
Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rate information does not factor in specific location information which can impact coverage rates greatly.
Looking at the data, you can infer that cars like the Honda CR-V, Honda Accord, and Toyota Prius will definitely be the more affordable vehicles to insure for off-road vehicles.
One of the more important criteria that are looked at to determine the price you pay for insurance is where you keep your vehicle. Regions with larger populations or more claims tend to have more expensive car insurance rates, whereas areas with less crime or weather claims profit from lower rates.
The information below sorts the most expensive areas in California for 4x4 vehicles to buy an auto insurance policy in. Santa Ana is ranked at #15 with a yearly premium of $1,483 for car insurance, which is about $124 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,142 |
| 3 | Sacramento | $1,703 |
| 4 | San Francisco | $1,693 |
| 5 | Oakland | $1,687 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,578 |
| 8 | Stockton | $1,556 |
| 9 | Moreno Valley | $1,551 |
| 10 | Santa Clarita | $1,548 |
| 11 | Fontana | $1,535 |
| 12 | Riverside | $1,527 |
| 13 | Garden Grove | $1,524 |
| 14 | Modesto | $1,487 |
| 15 | Santa Ana | $1,483 |
| 16 | Fresno | $1,472 |
| 17 | Anaheim | $1,444 |
| 18 | Bakersfield | $1,394 |
| 19 | San Jose | $1,381 |
| 20 | San Diego | $1,368 |
| 21 | Huntington Beach | $1,360 |
| 22 | Oxnard | $1,358 |
| 23 | Fremont | $1,348 |
| 24 | Irvine | $1,343 |
| 25 | Chula Vista | $1,337 |
| Get a Custom Quote Go | ||
Annual rates are comparative as specific Santa Ana zip code can change rates noticeably.
Trying to buy affordable insurance is not easy, and deciding which company has the lowest-priced insurance rates for 4x4 vehicles takes even more work. Every auto insurer has a different process for setting prices, so we'll go over the lowest cost insurance companies in Santa Ana.
Find Cheaper Auto Insurance for 4x4's
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,214 |
| 4 | CSAA | $1,234 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,447 |
| 8 | Mercury | $1,488 |
| 9 | Allstate | $1,513 |
| 10 | Progressive | $1,542 |
| 11 | Allied | $1,556 |
| 12 | GEICO | $1,559 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,639 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,699 |
| 17 | Esurance | $1,739 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $2,006 |
| Quote Your Rates Go | ||
USAA normally has some of the best car insurance rates in Santa Ana at around $1,155 a year. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the cheaper Santa Ana, CA insurance companies.
As depicted above, if you are a policyholder with CSAA and switched to Wawanesa, you could realize a yearly savings of about $77. Drivers with Nationwide might save as much as $93 a year, and 21st Century insureds might reduce prices by as much as $209 a year.
It's important to note that these premiums are averages for all drivers and vehicles and and are not figured with a specific zip code for 4x4 vehicles. So the car insurance company that fits your situation best may not even be in the list above. That affirms the importance of why you need to compare as many prices as possible using your own specific driver information and vehicle.
Which insurance company is best in Santa Ana?
Picking a high-quality insurance company is difficult considering how many companies sell insurance in California. The rank data listed below can help you choose which insurers you want to consider purchasing a policy from.
The rankings below are only comprised of companies that write coverage in many states, so smaller companies that only insure vehicles in California will not be included in the list. To check prices from these and other companies in California, simply click here.
Top 10 Large Auto Insurance Companies in Santa Ana Ranked by A.M. Best Rating
- USAA - A++
- Travelers - A++
- State Farm - A++
- GEICO - A++
- Esurance - A+
- Nationwide - A+
- Allstate - A+
- Mercury Insurance - A+
- Progressive - A+
- Titan Insurance - A+
Top 10 Large Auto Insurance Companies in Santa Ana Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Liability-only versus full coverage
Reducing premiums for insurance is the goal of the majority of drivers, and an effective way to find cheaper insurance for 4x4 vehicles is to not buy comprehensive and collision coverage. The diagram below shows the difference between auto insurance costs with full coverage and liability only. The data is based on no accidents or driving violations, $500 deductibles, drivers are single, and no discounts are factored in.
If we average the cost for all age groups, comprehensive and collision coverage on your policy costs an additional $2,273 per year over liability only. That brings up the question if it's worth it to buy full coverage. There is no specific rule to delete full coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than about 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let's say your vehicle's settlement value is $10,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $9,000 after you pay the deductible. If premium cost is more than $900 annually for comprehensive and collision coverage, then it might be time to buy liability only.
Drive safe and save
The common sense way to get good insurance rates in California for off-road vehicles is to be a safe driver and have a clean driving record. The example below shows how violations and fender-benders can influence insurance costs for each age group. The data assumes a married male driver, full coverage, $1,000 deductibles, and no discounts are factored in.
In the chart above, the average cost of an auto insurance policy in California per year with no accidents and a clean driving record is $1,570. Add in one speeding ticket and the average cost rises to $1,810, an increase of $239 each year. Now get one accident along with the one speeding ticket and the 12-month cost of insurance for 4x4 vehicles jumps again to an average of $2,466. That's an increase of $896, or $75 per month, just for being a less-than-perfect driver!
How to find budget-friendly car insurance for 4x4 vehicles
It is possible to find better rates, and here are a few penny-pinching ideas that can help California drivers get lower-cost car insurance.
- Save money by insuring older vehicles for liability only
- Avoid price increases by not filing claims
- Avoid getting citations and tickets
- Do not get into accidents
- Lower rates by purchasing a safer vehicle
- Save money by insuring your home and auto with the same company
- Shop your coverage around for the best deal
The last tip in the list is remarkably critical, as was stressed in this article. Auto insurance rates in Santa Ana change constantly, so don't be tentative to buy a different policy if a better deal can be had. Having a favorite company is fine, but it's not recommended if that faithfulness ends up costing you a fortune every year. Now is a great time to shop around to find cheaper auto insurance for 4x4 vehicles.