What Car Insurance is Cheapest for Young Drivers in Santa Ana?

The car, truck, or SUV that needs insurance is one of the primary factors when shopping around for low-cost coverage for young drivers. Vehicles with limited top-end speed, an excellent safety record, or a low likelihood of liability claims will cost substantially less to insure than fast, unsafe models.

The next list outlines car insurance rates for the most cost-effective vehicles to insure in California.

Above prices assume single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in garaging location in Santa Ana, CA which can alter coverage rates significantly.

Based upon the rates shown, we can infer that makes and models like the Ford Escape, Honda CR-V, Volkswagen Jetta, Toyota Prius, and Honda Odyssey are likely to be some of the cheaper vehicles to insure for youthful drivers. Prices will tend to be more expensive anyway because of the fact that there is more claim risk for young drivers, but generally speaking those particular vehicles will probably have the lowest prices available.

For youthful drivers, one of the more important components that are used to help calculate the annual cost of car insurance is where you call home. More densely populated places tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive cheaper rates.

The illustration below ranks the most expensive cities in California for young drivers to buy an auto insurance policy in. Santa Ana ranks #17 with an annual cost of $1,453 for car insurance, which is approximately $121 monthly.

Rate information is approximated as the specific area where the vehicle is garaged can increase or decrease coverage prices substantially.

How to get discounts on Santa Ana auto insurance rates

Insurance companies that offer coverage for young drivers may have rate discounts that could reduce prices by as much as 25% or more if you meet certain criteria. A list of companies and the discounts they provide are:

• Farm Bureau discounts include good student, multi-policy, safe driver, renewal discount, youthful driver, multi-vehicle, and driver training.
• Liberty Mutual offers discounts including safety features, newly retired, hybrid vehicle, new graduate, preferred payment discount, and good student.
• State Farm policyholders can earn discounts including accident-free, Steer Clear safe driver discount, driver's education, safe vehicle, and student away at school.
• Auto-Owners Insurance may include discounts for mature driver, company car, student away at school, good student, and paid in full.
• GEICO includes discounts for multi-vehicle, driver training, anti-theft, membership and employees, military active duty, and defensive driver.
• SAFECO has savings for homeowner, accident prevention training, safe driver, teen safety rewards, bundle discounts, and teen safe driver.

The diagram below illustrates the difference between car insurance costs with and without discounts applied. Data assumes a male driver, no claims, a clean driving record, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with good student, continuous coverage, vehicle safety, passive restraint, paperless filing, and paid-in-full discounts applied. When drivers qualify for the discounts, theaverage amount saved on insurance for young drivers is 28% or $929.

Santa Ana insurance company ratings

Insuring your vehicle with a good quality car insurance provider can be a challenge considering how many choices there are in Santa Ana. The company ratings in the lists below can help you decide which insurers to look at when comparing auto insurance rates for young drivers.

The ratings below only include large insurance companies, so companies with more of a regional focus are not taken into consideration for the list. To get rate quotes and find the cheapest rates for young drivers, follow this link.

Top 10 Large Car Insurance Companies in Santa Ana Ranked by Customer Service

1. AAA of Southern California
2. GEICO
3. State Farm
4. The Hartford
5. Mercury Insurance
6. The General
7. Progressive
8. Allstate
9. AAA Insurance
10. American Family

How accidents and violations affect rates

The recommended way to find the most affordable insurance rates in Santa Ana for youthful drivers is to be a careful driver and avoid traffic citations and accidents. The diagram below highlights how traffic violations and at-fault collisions can impact premium costs for different ages of insureds. Data assumes a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.

The chart shows that the average cost of a car insurance policy in Santa Ana per year with no accidents and a clean driving record is $2,386. Receive two speeding tickets and the average cost surges to $3,182, an increase of $796 each year. Then add in two accidents along with the two speeding tickets and the 12-month cost of insurance for young drivers increases to an average of $6,489. That's an increase of $4,103, or $342 per month, just for not driving attentively!

The Santa Ana, CA, insurance agents below can probably aid you in deciding which auto insurance coverages would be the best in your situation, since some drivers aren't sure which coverage they need and prefer to have a little guidance when comparing insurance rates for youthful drivers. It can be complicated to do it yourself, and a professional agent can provide comfort knowing you have sufficient protection if you have a claim. To locate a Santa Ana car insurance agency close to where you live, click the button below the list or click here to compare price quotes.

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