The car, truck, or SUV you are insuring is probably the biggest factor when shopping for low-priced coverage for teenagers. Vehicles with lots of horsepower, a lack of advanced safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than more economical and safe models.
The data below outlines car insurance costs for a number of the most budget-friendly vehicles to insure in California.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $3,829 |
| Honda Accord EX 4-Dr Sedan | $3,836 |
| Ford Escape XLS 2WD | $3,829 |
| Toyota Prius | $4,158 |
| Honda Odyssey LX | $4,252 |
| Ford F-150 STX Regular Cab 2WD | $4,260 |
| Ford Explorer XLT 2WD | $4,292 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $4,299 |
| Volkswagen Jetta SE 2.5 Station Wagon | $4,408 |
| Honda Civic DX 4-Dr Sedan | $4,503 |
| Chevrolet Impala LS | $4,511 |
| Ford Focus S 4-Dr Sedan | $4,503 |
| Chevrolet Malibu Hybrid | $4,542 |
| Start Your Quote Go | |
Data based on single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in garaging location in Santa Ana, CA which can influence price quotes considerably.
Based upon these rates, we can expect models like the Honda CR-V, Honda Accord, Ford Escape, and Toyota Prius will be a few of the most affordable vehicles to insure for teen drivers. The price for car insurance will be more expensive just due to the fact that there is more claim exposure for teenagers, but generally speaking those particular vehicles will probably have the lowest prices possible.
One of the many things that help determine car insurance rates is where you live. Areas with more people or higher crime rates tend to pay slightly more, whereas areas with less congestion have the benefit of cheaper car insurance.
The following table ranks the most expensive areas in California for teenagers to purchase a policy in. Santa Ana comes in at #16 with the annual price of $1,483 for the average insurance policy, which is approximately $124 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,121 |
| 3 | Oakland | $1,738 |
| 4 | San Francisco | $1,711 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,644 |
| 7 | Long Beach | $1,626 |
| 8 | Stockton | $1,603 |
| 9 | Garden Grove | $1,570 |
| 10 | Fontana | $1,566 |
| 11 | Santa Clarita | $1,533 |
| 12 | Riverside | $1,527 |
| 13 | Moreno Valley | $1,506 |
| 14 | Fresno | $1,502 |
| 15 | Modesto | $1,487 |
| 16 | Santa Ana | $1,483 |
| 17 | San Jose | $1,437 |
| 18 | Anaheim | $1,430 |
| 19 | Bakersfield | $1,394 |
| 20 | Irvine | $1,384 |
| Find Cheaper Rates Go | ||
Price information shown is comparative as the specific garaging location can change coverage prices significantly.
Types of discounts on Santa Ana auto insurance
Insurers that sell policies for teenagers may provide rate discounts that can lower rates by 30% or more if you meet the requirements. A few popular companies and their offered discounts can be read below.
- Progressive has savings for online quote discount, homeowner, online signing, continuous coverage, multi-policy, good student, and multi-vehicle.
- GEICO may include discounts for military active duty, driver training, anti-lock brakes, good student, and defensive driver.
- State Farm includes discounts for multiple policy, multiple autos, accident-free, driver's education, good student, safe vehicle, and anti-theft.
- Esurance may have discounts that include Switch & Save, online shopper, homeowner, defensive driver, DriveSense, good student, and claim free.
- The Hartford has discounts for vehicle fuel type, good student, anti-theft, air bag, defensive driver, and bundle.
The information below illustrates the difference between insurance rates with and without discounts. The rates are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with good student, vehicle safety, paperless filing, anti-theft, passive restraint, and paid-in-full discounts applied. When taking advantage of discounts, theamount saved on auto insurance for teenagers is 28% or $831.
Best auto insurance company in California
Insuring your vehicle with a highly-rated insurance company can be challenging considering how many companies sell insurance in Santa Ana. The company ratings shown next can help you pick which car insurance companies you want to consider when comparing rate quotes.
The rankings below only include insurance companies that insure vehicles in the majority of U.S. states, so smaller regional companies will not be included in the list. To compare prices from these top insurers and more, click this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How to find budget-friendly auto insurance for teenagers
It's not impossible to find cheaper rates, and here are many penny-pinching suggestions that can help Santa Ana drivers get more affordable auto insurance.
- Drive safe vehicles
- Maintain a safe distance and avoid accidents
- Better credit scores save money
- Higher comprehensive and collision coverage deductibles will save money
- Be a safe driver
- Do not insure for full coverage
- Compare rates regularly to ensure the best deal
The last tip in the list is remarkably necessary, as we stressed in this write-up. Auto insurance rates can be changed at any time, so drivers shouldn't be resistant to buy a different policy if you can save money.
Many consumers stick with the same company and that's fine, but it's not a good idea if it's costing you money that could be used for better things. Take a couple minutes and compare prices and find cheaper auto insurance for teenagers in Santa Ana.