Who Has the Cheapest Car Insurance Rates for Drivers with a DUI in Santa Ana?

After getting a DUI, one of the more important things that are used to help calculate the cost of insurance is where you keep your car. Larger areas tend to have higher auto insurance costs, whereas areas with less crime or weather claims profit from lower rates.

The illustration below rates the most expensive cities in California for drivers with a DUI to purchase auto insurance in. Santa Ana comes in at #17 with the yearly price of $1,453 for the average policyholder, which is approximately $121 each month.

Prices are approximated as specific Santa Ana garaging address can lower or raise insurance rates significantly.

Finding dependable, budget auto insurance is hard enough, and figuring out which company quotes the best insurance rates for drivers with a DUI takes even more rate comparisons.

Every car insurance company uses their own calculation to establish rates, so let's take a look at the lowest cost insurance companies in Santa Ana, CA. It's important that readers know that California insurance rates are influenced by many factors which can substantially change the cost of coverage. This is why drivers need to compare as many rates as possible when trying to get the lowest car insurance quotes for drivers with a DUI. Rates consist of many factors and can increase or decrease at any time, so the most affordable company three years ago may now cost much more than other companies.

Best Auto Insurance Prices after a DUI

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USAA may offer some of the cheapest car insurance rates in Santa Ana at around $1,143 a year. This is $508 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also rank well as some of the cheaper Santa Ana, CA insurance companies.

As shown in the table above, if you currently have a policy with Century National and switched to USAA, you could earn an annual savings of approximately $83. Insureds with Nationwide could save as much as $107 a year, and 21st Century insureds might reduce rates by $223 a year.

Be aware that those policy rates are averages for all insureds and vehicles and do not take into consideration a specific location for drivers with a DUI. So the auto insurance company that is most affordable for your situation may not even be in the list above. That illustrates why you need to get rate quotes using your own specific driver and vehicle information.

The vehicle that is being insured is one of the main factors that determines whether or not you find the most economical auto insurance for drivers with a DUI. Vehicles with limited speed and performance, a plethora of safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than higher performance models.

The table below ranks car insurance rates for a handful of the cheapest automobiles to insure.

Data rating is based on single male driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, and claim-free. Information does not factor in your specific Santa Ana, CA location which can revise rates noticeably.

By looking at the data, we can tell that cars like the Ford Escape, Honda CR-V, and Toyota Prius are going to be a few of the most affordable vehicles to insure after getting a DUI. Rates will be more costly just due to the fact that there is more risk for drivers with a DUI, but generally speaking those specific models will probably have the best rates that you'll find.

Insurance companies ranked

Choosing a highly-rated insurance company can be a challenge considering how many companies there are to choose from in California. The rank data shown next may help you pick which coverage providers you want to consider purchasing a policy from.

These rankings include companies with a nationwide focus, so companies that have a smaller presence are not factored into these rankings. If you would like to check rates from these and other companies in California, just click here.

Top 10 Large Auto Insurers 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

Top 10 Large Auto Insurers in Santa Ana Ranked by A.M. Best Rating

1. USAA - A++
2. Travelers - A++
3. State Farm - A++
4. GEICO - A++
5. Esurance - A+
6. Nationwide - A+
7. Allstate - A+
8. Mercury Insurance - A+
9. Progressive - A+
10. Titan Insurance - A+

Accidents and violations increase rates

The easiest method to snag the best insurance premiums in Santa Ana after getting a DUI is to be a careful driver and have a clean driving record. The information below highlights how traffic violations and at-fault claims increase auto insurance rates for different age categories. The rates are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.

The data in the chart shows the average cost of car insurance per year with a clean driving record and no accidents is $1,570. Factor in two speeding tickets and the average cost increases to $2,158, an increase of $587 each year. Now get one accident along with the two speeding tickets and the 12-month cost of insurance for drivers with a DUI jumps again to an average of $2,751. That's an increase of $1,181, or $98 per month, just for not being a responsible driver!

Do you need full coverage?

Saving on insurance is the goal of most vehicle owners, and a great way to pay lower rates for insurance for drivers with a DUI is to not buy comprehensive and collision coverage. The illustration below shows the comparison of auto insurance costs with full physical damage coverage compared to only buying liability only. The premiums assume a clean driving record, no claims, $1,000 deductibles, single status, and no discounts are applied.

Averaged for all ages 20 through 70, full coverage on your policy costs $1,849 per year over and above liability only. That touches on the question if buying full coverage is worth the money. There isn't a steadfast formula to exclude physical damage insurance, but there is a general school of thought. If the yearly cost of full coverage is 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let's assume your vehicle's replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $6,000 after paying your deductible. If you are paying over $600 a year for full coverage, then you may need to consider dropping full coverage.

There are some situations where dropping full coverage is not recommended. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.

The professional agents shown below are a good start to help you determine which policy is best, as some drivers aren't sure which coverage they need and prefer to have some professional guidance when trying to find the best insurance rates after getting a DUI. It's not always simple to find the best coverage yourself, so a professional agent can give peace of mind knowing you have sufficient protection if you have a claim.

To locate a Santa Ana car insurance agency nearest to you, click the button below the list or click here to compare prices now.

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