You have probably watched the commercials from companies like Progressive and GEICO that say if you switch you'll get huge savings. So you just need to choose any of them, right?
It's not quite that easy, unfortunately, as there are many unknown aspects like your financial stability, the likelihood of vehicle theft where you live, whether you just need liability insurance, and if you are a homeowner. Car insurance is kind of a dry topic, but this article will explain the different ways to avoid overpaying and will hopefully give you a good start in finding the cheapest car insurance in Santa Ana.
Determining which companies have the most affordable insurance rates for seniors will involve a tad more effort in order to find the lowest price quote. Each auto insurance company has a different process to determine premium rates, so let's take a look at the insurance companies that tend to be cheaper in California.
Find Cheaper Car Insurance for Mature Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Century National | $1,190 |
| 3 | Wawanesa | $1,192 |
| 4 | Nationwide | $1,226 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,447 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,503 |
| 10 | Progressive | $1,512 |
| 11 | GEICO | $1,575 |
| 12 | The Hartford | $1,591 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,606 |
| 15 | Esurance | $1,688 |
| 16 | Unitrin | $1,750 |
| 17 | State Farm | $1,750 |
| 18 | Travelers | $1,842 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $2,006 |
| Get Personalized Rates Go | ||
USAA generally has some of the lowest car insurance rates in Santa Ana at around $1,155 a year. This is $496 less than the average rate paid by California drivers of $1,651. Century National, Wawanesa, Nationwide, and CSAA also are some of the cheapest Santa Ana, CA auto insurance companies.
In the above rates, if you currently have coverage with Nationwide and switched to USAA, you could earn a yearly savings of in the neighborhood of $71. Insureds with CSAA could save as much as $79 a year, and 21st Century customers might lower prices by up to $170 a year.
To find the cheapest rates for your vehicle, click here to begin a quote or feel free to get quotes from the companies below.
These premiums are averages for all insureds and vehicles and and are not figured with an exact zip code location for seniors. So the auto insurance company that fits your situation best may not even be in the top 24 companies in the list above. That's why you need to compare rates from multiple companies using your own specific driver and vehicle information.
One of the many considerations that are looked at to determine insurance cost is your address. More densely populated places tend to have higher rates, whereas areas with lower crime rates and fewer weather claims have the luxury of cheap car insurance rates.
The next table lists the highest-priced areas in California for seniors in which to purchase auto insurance. Santa Ana shows up at #17 with a yearly premium of $1,453 for the average insured, which is about $121 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,079 |
| 3 | Sacramento | $1,720 |
| 4 | San Francisco | $1,711 |
| 5 | Oakland | $1,704 |
| 6 | Long Beach | $1,610 |
| 7 | Fontana | $1,581 |
| 8 | San Bernardino | $1,580 |
| 9 | Moreno Valley | $1,551 |
| 10 | Modesto | $1,547 |
| 11 | Stockton | $1,541 |
| 12 | Santa Clarita | $1,533 |
| 13 | Garden Grove | $1,508 |
| 14 | Riverside | $1,482 |
| 15 | Anaheim | $1,474 |
| 16 | Fresno | $1,472 |
| 17 | Santa Ana | $1,453 |
| 18 | San Jose | $1,437 |
| 19 | Huntington Beach | $1,416 |
| 20 | Fremont | $1,403 |
| 21 | Bakersfield | $1,381 |
| 22 | Irvine | $1,371 |
| 23 | Oxnard | $1,344 |
| 24 | San Diego | $1,327 |
| 25 | Chula Vista | $1,298 |
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Premium costs are comparative as the specific Santa Ana residence address can impact coverage rates substantially.
The car, truck, or SUV you are trying to insure is one of the largest factors when comparing quotes for low-priced car insurance for seniors. Vehicles with average performance, a great safety record, or a positive history of liability claims will cost less to insure than fast, unsafe models. The table below presents coverage costs for a handful of the more affordable automobiles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $833 |
| Honda CR-V EX 2WD | $842 |
| Ford Escape XLT 4WD | $851 |
| Ford Edge SE 2WD | $914 |
| Toyota Prius | $923 |
| Dodge Grand Caravan CV | $932 |
| Jeep Wrangler Sahara 4WD 2-Dr | $940 |
| Ford Explorer XLT 4WD | $932 |
| GMC Sierra SLE Regular Cab 2WD | $983 |
| Toyota RAV4 Limited 4WD | $991 |
| Chevrolet Equinox LT AWD | $983 |
| Ford F-150 XLT Crew Cab 4WD | $1,004 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,012 |
| Compare Cheap Rates Go | |
Data based on married male driver age 60, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in Santa Ana, CA location which can impact premium rates significantly.
Based upon the rates shown, models like the Honda Accord, Honda CR-V, and Ford Escape are going to be some of the most budget-friendly vehicles to insure for senior citizens.
Impact of speeding/accidents on insurance rates
One of the best ways to score affordable insurance premiums in California for senior citizens is to be a cautious driver and have a clean driving record. The illustration below illustrates how violations and at-fault collisions influence insurance costs for different age categories. The prices are based on a single male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.
The data above shows the average cost of auto insurance per year with no accidents or violations is $2,003. Receive one speeding ticket and the average cost jumps to $2,259, an increase of $257 each year. Now add in two accidents along with the one speeding ticket and the 12-month cost of insurance for seniors increases to an average of $4,604. That's an increase of $2,601, or $217 per month, just for being a little careless behind the wheel!
Ratings for California insurance companies
Selecting the top auto insurance provider can be challenging considering how many choices you have in Santa Ana. The ranking data in the next section can help you decide which auto insurance companies you want to consider when comparing rate quotes.
These rankings include companies with a nationwide focus, so companies with more of a regional focus are not taken into consideration for the list. If you'd like to compare prices from the most competitive companies in California, click here.
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
How to find cheaper car insurance for seniors
Here are a few penny-pinching suggestions that can help Santa Ana drivers buy low-cost coverage.
- Try to not file small claims
- Maintain a safe distance and avoid accidents
- Do not get traffic violations
- Do not pay for full coverage if not needed
- Increase your policy deductibles
- Compare rate quotes frequently
The last suggestion is extremely critical, as we pointed out in the article above. Coverage prices change a lot, so don't hesitate to change insurance companies if a better rate can be found.
Having a favorite company is great, but it isn't a good idea if that dedication is costing money that could be going to better use. In just a few minutes you could compare prices and find cheaper insurance for seniors in Santa Ana.