Who Has the Cheapest Auto Insurance for Drivers Over Age 50 in Santa Ana?

The car, truck, or SUV requiring insurance is one of the main factors when shopping around for low-priced insurance for drivers over age 50. Vehicles with reasonable performance levels, good safety features, or a positive history of liability claims will cost much less to insure than high performance models. The list below ranks insurance costs for some of the cheapest vehicles to buy coverage for.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rate information does not factor in specific location which can raise or lower price quotes considerably.

Looking at the numbers, you can see that vehicles like the Ford Escape, Honda CR-V, and Hyundai Elantra are the most affordable vehicles to insure for older drivers.

For older drivers, one of the more important things that aid in calculating the cost of insurance is where you live in Santa Ana. Areas with more people or more claims likely pay more, whereas areas with lower crime rates and fewer weather claims have the enjoyment of a little cheaper coverage.

The next table lists the most expensive places in California for drivers over age 50 in which to buy car insurance. Santa Ana is listed at #17 with the annual price of $1,439 for coverage, which is around $120 each month.

Premium amounts are estimated as the specific Santa Ana residence address can lower or raise rates substantially.

Determining which company quotes the lowest-priced auto insurance rates for drivers over age 50 takes more time in order to find the best policy. Each auto insurer has a unique formula for filing rates in each state, so let's take a look at the auto insurance companies with the overall cheapest rates in Santa Ana, CA.

It's important to know that California auto insurance rates are influenced by many factors that may substantially change the price of your policy. Simply having a birthday, buying a different home, or getting a speeding ticket may prompt premium changes resulting in some companies being cheaper than before.

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USAA offers some of the most affordable car insurance rates in Santa Ana at around $1,143 annually. This is $508 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 cheaper Santa Ana, CA insurance companies.

As illustrated above, if you are a policyholder with CSAA and switched to Wawanesa, you may see a yearly price reduction of upwards of $65. Policyholders with Nationwide might save as much as $106 a year, and 21st Century insureds might lower prices by $181 a year.

These rates are averages for all types of insureds and vehicles and do not take into consideration a specific zip code for drivers over age 50. So the auto insurance company that fits you best may not even be in the top 24 companies shown above. That helps illustrate why you need to get rate quotes using your own specific driver and vehicle information.

How accidents and violations affect rates

The recommended way to snag low auto insurance prices in California for older drivers is to pay attention while driving and avoid traffic citations and accidents. The information below shows how traffic citations and at-fault collisions can drive up yearly insurance costs for different age groups. The premiums are based on a single male driver, comp and collision included, $100 deductibles, and no discounts are factored in.

The data above shows the average cost of a car insurance policy in California per year with a clean driving record and no accidents is $3,385. Receive one speeding ticket and the average cost swells to $3,814, an increase of $429 each year. Now add two accidents along with the one speeding ticket and the yearly cost of auto insurance for drivers over age 50 goes up to an average of $7,444. That's an increase of $4,059, or $338 per month, just for not driving carefully!

Picking a highly-rated insurance company can be a challenge considering how many companies there are to choose from in California. The rank data displayed below can help you decide which auto insurance companies you want to consider comparing rates from.

These ratings include companies that insure vehicles across America, so smaller companies are not taken into consideration for the list. To compare rates from the insurers below and more, follow this link.

Who has the cheapest Santa Ana car insurance?

California auto insurance rates are influenced by many factors which can substantially decrease or increase the cost of coverage. Simply turning a year older, marrying your spouse, or having a fender bender may cause policy rate changes resulting in some rates now being cheaper in comparison to the competition.

And not only may your rating factors change, but car insurance companies change rates without warning as an adjustment for underwriting gains or losses. Heavy losses can result in increased rates, while less frequent claims can result in cheaper Santa Ana car insurance rates.

The chart below analyzes the cheapest car insurance in Santa Ana, CA for a 30-year-old female driver with no prior claims, no tickets, and solid credit. When quoting prices based on her current rating profile, USAA might offer the most affordable car insurance rates in Santa Ana at $1,332 each year. This is $319 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are the rest of the cheapest Santa Ana, CA auto insurance companies.

Now we will pretend the driver from the first rate comparison a couple of claims, a little lower credit rating, and a speeding ticket. Because each insurer uses their own calculation to set their prices, comparing insurance quotes could result in a completely different list of the cheapest car insurance companies in Santa Ana as shown below.

Mercury now has the cheapest rate in Santa Ana with Grange, Allstate, Progressive, and GEICO completing the list. This demonstrates why consumers need to take the time to compare as many rates as possible when trying to get the best insurance quotes for drivers over age 50. Insurance prices can be determined by many risk factors and can decrease or increase without notice, so the best company two years ago may now be wasting a lot of money.

If you aren't clear which coverage you need and would like to have a consultation when comparing insurance rates for older drivers, the agencies below can help you decide which policy is best. To locate an agency near you, click the button link following the list or click here to compare price quotes.

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