One of the many criteria that help determine insurance cost is where you normally keep your vehicle in Santa Ana. Cities with more crime and/or more people tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates profit from lower rates.
The information below lists the most expensive areas in California for 20 year old guys to buy an auto insurance policy in. Santa Ana is listed at #15 with the yearly price of $1,497 on average, which is around $125 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,058 |
| 3 | Oakland | $1,755 |
| 4 | Sacramento | $1,703 |
| 5 | San Francisco | $1,693 |
| 6 | San Bernardino | $1,644 |
| 7 | Santa Clarita | $1,580 |
| 8 | Long Beach | $1,578 |
| 9 | Garden Grove | $1,570 |
| 10 | Fontana | $1,566 |
| 11 | Stockton | $1,541 |
| 12 | Moreno Valley | $1,536 |
| 13 | Fresno | $1,502 |
| 14 | Modesto | $1,502 |
| 15 | Santa Ana | $1,497 |
| 16 | Riverside | $1,497 |
| 17 | Anaheim | $1,444 |
| 18 | Fremont | $1,403 |
| 19 | Huntington Beach | $1,402 |
| 20 | San Jose | $1,381 |
| 21 | San Diego | $1,381 |
| 22 | Bakersfield | $1,353 |
| 23 | Oxnard | $1,344 |
| 24 | Irvine | $1,343 |
| 25 | Chula Vista | $1,311 |
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Table data uses approximated as specific Santa Ana zip code can lower or raise premiums greatly.
Determining which company offers the most affordable auto insurance rates for 20 year old guys calls for a little more work in order to find coverage that fits your budget. Every insurance company used slightly different criteria to determine premium rates, so let's take a look at the lowest cost auto insurance companies in Santa Ana.
Keep in mind that Santa Ana, CA auto insurance rates are impacted by many factors that will increase or decrease your annual premium. Turning one year older, buying higher coverage limits, or getting a reckless driving citation can trigger rate changes that may make certain companies cheaper than before.
Cheap Insurance Rates for Men Age 20
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USAA may offer some of the lowest car insurance rates in Santa Ana at around $1,109 each year. This is $542 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National would also be considered some of the cheapest Santa Ana, CA auto insurance companies.
As the example above demonstrates, if you have coverage with Nationwide and switched to Wawanesa, you might achieve an annual premium reduction of about $80. Customers with Century National may save as much as $80 a year, and 21st Century policyholders might realize rate reductions of up to $179 a year.
Remember that these rates are averaged for all drivers and vehicles in California and do not factor in a specific location for 20 year old guys. So the car insurance company that is best suited for you may not even be in the top 24 companies in the list above. That is why you need to get rate quotes from many companies using your own personal information and vehicle type.
Discount Santa Ana insurance
Car insurance companies that sell policies for 20 year old guys could also offer policy discounts that could lower prices by as much as 35% or more if you qualify for them. Larger auto insurance companies and a selection of discounts are included below.
- Farmers Insurance may offer discounts for multi-car, bundle discounts, good student, business and professional, and early shopping.
- Esurance offers discounts for multi-policy, defensive driver, emergency road assistance, paid-in-full, and online shopper.
- State Farm includes discounts for multiple autos, Drive Safe & Save, anti-theft, multiple policy, driver's education, and good driver.
- GEICO has discounts for anti-lock brakes, emergency military deployment, military active duty, good student, seat belt use, and federal employee.
- Allstate offers discounts including premier discount, economy car, auto/life discount, good payer, defensive driver, early signing, and eSmart discount.
The example below illustrates the comparison of auto insurance costs with and without discounts applied to the premium. The premiums are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with paid-in-full, good student, vehicle safety, passive restraint, continuous coverage, and anti-theft discounts applied. When drivers take advantage of discounts, the average amount saved each year on auto insurance for 20 year old guys is 21% or $564.
Picking the top insurance provider is difficult considering how many different companies there are to choose from in Santa Ana. The ranking data shown next can help you decide which providers to look at comparing rates from.
These ratings are only comprised of companies who write in the majority of U.S. states, so companies with more of a regional focus are not included in the list. To compare rates from these top insurers and more, simply click here.
Top 10 Major Car Insurance Companies in Santa Ana Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Top 10 Major Car Insurance Companies in Santa Ana Ranked by Customer Satisfaction
- Titan Insurance - 95%
- USAA - 94%
- AAA of Southern California - 92%
- AAA Insurance - 91%
- Nationwide - 90%
- State Farm - 90%
- The Hartford - 89%
- GEICO - 89%
- The General - 88%
- 21st Century - 88%
Should you buy full coverage?
Saving money on auto insurance is probably important to most vehicle owners, and one great way to lower the cost of insurance for 20 year old guys is to only buy liability coverage. The diagram below compares auto insurance rates with full coverage compared to only the California minimum liability coverage. The premiums assume no violations or accidents, $1,000 deductibles, single status, and no discounts are applied to the premium.
If we average the cost for all age groups, comp and collision coverage costs $2,467 per year more than just insuring for liability. Many drivers may wonder when is the right time to remove full coverage. There isn't a steadfast formula to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
The agents below can most likely aid you in deciding which car insurance policy is best, as some drivers aren't sure which coverage they need and prefer to get some professional input when buying car insurance for 20 year old guys. It can be difficult to find the best rates on your own, so a licensed agent can provide you peace of mind knowing you have adequate coverage when you need it most.
To locate a Santa Ana car insurance agency closest to you, click the button below the list.
- Farmers Insurance - Eduardo Machado
1701 N Main St Ste 180 - Santa Ana, CA 92706 - (714) 352-0700 - Premier One Insurance Services
2755 N Grand Ave - Santa Ana, CA 92705 - (714) 288-6060 - Neighborhood Insurance Agency
1333 E First St - Santa Ana, CA 92701 - (714) 285-9990 - Mary Juarez Insurance
1227 W 1st St c - Santa Ana, CA 92703 - (714) 542-5914 - State Farm Insurance: Luis Olmedo
600 S Grand Ave #101 - Santa Ana, CA 92705 - (714) 486-3441