Car Insurance in Santa Ana

Santa Ana car insurance laws follow California's minimum liability coverage, which is 15/30/5. Rates for car insurance in Santa Ana average $1,200.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 27, 2021

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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Here's what you need to know...

  • Santa Ana follows the tort system, making the person responsible for the accident responsible for costs related to both parties
  • The minimum insurance coverage for Santa Ana car insurance is 15/30/5
  • Since theft is also a major issue in Santa Ana, take precautions to keep your car safe

When you are settled in Santa Ana and would like to buy a car, then naturally you will be thinking about getting Santa Ana car insurance. It is a mandatory rule in every state that you own appropriate car insurance.

The case is no different in California and the city of Santa Ana either. Santa Ana is a very busy area and you will invariably find people rushing about to get their chores done.

It is quite natural that accidents do happen and unless you are fully covered, you will find yourself at the bitter end of the whole deal.

The rules in California are very strict; if you don’t have adequate coverage, you have to pay. So you should be aware of the minimum requirements in California.

If for some reason your insurance has lapsed, then you will have to get it renewed; until then, you are not allowed to drive.

If you are caught without proper insurance, you could be booked, fined, or if you are lucky enough, you could get off with just a warning.

Enter your ZIP code and start your car insurance comparison INSTANTLY for FREE.

Monthly Santa Ana, CA Car Insurance Rates by ZIP Code

Find more info about the monthly Santa Ana, CA auto insurance rates by ZIP Code below:

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Santa Ana, CA Car Insurance Rates by Company vs. City Average

The cheapest Santa Ana, CA car insurance company can be discovered below. You then might be asking, “How do those rates compare against the average California car insurance company rates?” We cover that as well.

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Santa Ana, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare Santa Ana, CA against other top US metro areas’ auto insurance rates.

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The Cheapest Santa Ana, CA Car Insurance Rates by Coverage Level

Your coverage level will play a major role in your Santa Ana, CA car insurance rates. Find the cheapest Santa Ana, California car insurance rates by coverage level below:

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Average Monthly Car Insurance Rates by Age & Gender in Santa Ana, CA

These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in Santa Ana. CA does use gender, so check out the average monthly car insurance rates by age and gender in Santa Ana, CA.

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Santa Ana, CA Car Insurance Rates by Company and Age

Santa Ana, California car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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The Cheapest Santa Ana, CA Car Insurance Rates by Driving Record

Your driving record will affect your Santa Ana car insurance rates. For example, a Santa Ana, California DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Santa Ana, California car insurance rates by driving record.

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Factors Affecting Car Insurance Rates in Santa Ana, CA

Factors affecting car insurance rates in Santa Ana, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Santa Ana, California car insurance.

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Factors That Contribute to Car Insurance Rates

  • Your age and gender
  • Driving record
  • Age of the vehicle
  • Depreciation value
  • Your credit score
  • Job
  • Marital Status

If for some reason you are just not happy with your present insurance provider, then you can look for a better one. Everything is made easier when you have access to the internet.

Not only can you do some serious online shopping, but you can also compare car insurance quotes sitting in the comfort of your home.

Gone are the days when you had to drive from one insurance company to another in the hope of getting a good deal.

When you buy a new car from a dealer, he will suggest some Santa Ana car insurance providers. Apart from that, insurance agents who want you to choose their policies will also plague you.

You can inquire about the ones that seem reasonable to you. However, even after that, it is quite natural that you will remain confused.

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Comparison Shopping in Santa Ana

What to do before you do comparison-shopping in Santa Ana car insurance:

  • Be aware of the minimum insurance coverage in Santa Ana
  • Insurance is dependent on the make and model of your car
  • Enter the correct information to get a correct quote
  • Fill in all the blanks; inaccurate blanks will give you unreliable quotes
  • Answer honestly; don’t be untruthful
  • Be sure you are dealing with an honest website by ensuring they have testimonials and reading some of them

The premium car insurance rates for Santa Ana car insurance depend on the type of policy you are going to go for.

If you are going for a new car, then you will have to take property damage liability insurance and bodily injury liability insurance.

You will also have adequate coverage for collision and comprehensive coverage. When those are included, you will find its use when you get involved in an accident.

In Property Damage Liability Insurance (PDL), your insurance company will help pay for the damage caused to the other vehicle.

In Bodily Injury Liability Insurance (BIL), your insurance company will pay for the other party’s medical insurance.

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Santa Ana Car Insurance Laws

The state car insurance laws are simple and have no great variation from other states.

Skim through the laws in Santa Ana car insurance:

  • If you drive a car, you need to have insurance
  • Minimum insurance in Santa Ana is 15/30/5
  • Minimum coverage for bodily damage is $15,000 and the maximum is $30,000
  • No need for uninsured motor coverage
  • Follows the tort system
  • Personal Injury Protection (PIP) is not necessary

Rules of Santa Ana Car Insurance

The minimum insurance coverage for Santa Ana car insurance is 15/30/5.

If an accident occurs and your car causes injury to another person, then you will have to pay $15,000 and $30,000 for all the people involved in the second car and an additional $5000 for Property Damage Liability.

The tort system in Santa Ana entails that when an accident occurs, finding the person who caused the accident is very important because it will decide who will be responsible and his insurance company will have to pay for the damages.

Though Personal Injury Protection is not mandatory in Santa Ana car insurance, including that in your coverage will benefit you a great deal.

It will cover medical expenses, which will be a great help to you no matter how major or minor they are.

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Santa Ana Car Insurance Companies

There are so many car insurance companies in Santa Ana all vying for your attention and there is no dearth of good policies.

A few insurance companies well worth their salt and dealing with Santa Ana car insurance are:

Average Santa Ana Car Insurance Rates

The best way to find out about Santa Ana car insurance is to compare the different rates put forward by different companies and go for the one that serves you best.

The current average premium for car insurance in Santa Ana is somewhere around $1,200. The rates change quite often and you will have to check with the company you are dealing with.

The rates of Santa Ana car insurance depend on many factors:

  • The type of car you drive
  • Whether you are a good driver or a bad one
  • How secure your car is
  • Anti-theft precautions that you have taken
  • Do you drive a luxury car?
  • Any recent accidents
  • Have a flawless driving record?

Santa Ana Driving and Car Insurance Statistics

Many people in Santa Ana drive to work and when it is peak time, the number of cars on the roads is astoundingly large.

There are two to three cars per household, so on average, there are about 200,000 to 300,000 people on the road when it is time to go to work. When all these people get on the road, traffic is heavy.

Theft is another major issue in Santa Ana. If your vehicle is not properly insured, then if somebody makes off with your car, you are done for good.

You have to make sure your car is parked in a safe place and securely locked so that the chances of it being stolen are minimal.

Sometimes it is not enough that you have a basic policy. The more coverage you have the more benefits you will have. Naturally, you can choose a policy in accordance with your financial situation, but you cannot compromise on the necessary clauses.

When you want a good deal on your Santa Ana car insurance policy, it will help you if you do some shopping around. Agents will give you details on the specifics of insurance policies and how each will benefit you.

Use our ZIP code search to compare online car insurance policies now. What are you waiting for? Find California car insurance for Santa Ana and SAVE.

References:

  1. https://www.ci.santa-ana.ca.us/
  2. https://www.dmv.ca.gov/vr/vr.htm
  3. https://www.cars.com/go/advice/Story.jsp?section=buy&subject=negotiate&story=ngIntro1
  4. https://wallethub.com/edu/collision-insurance/7292/
  5. https://wallethub.com/edu/bodily-injury-liability/8607/
  6. https://www.auto-owners.com/our-products/car-insurance/resource-center/insurance/no-fault-car-insu…
  7. https://www.nationwide.com/
  8. https://www.aig.com/home
  9. https://www.esurance.com/
  10. https://www.propertycasualty360.com/2015/03/20/10-factors-that-affect-your-car-insurance-rates?slr…

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Monthly Santa Ana, CA Car Insurance Rates by ZIP Code
 Santa Ana, CA Car Insurance Rates by Company vs. City Average
Santa Ana, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
The Cheapest Santa Ana, CA Car Insurance Rates by Coverage Level
Average Monthly Car Insurance Rates by Age & Gender in Santa Ana, CA
Santa Ana, CA Car Insurance Rates by Company and Age
The Cheapest Santa Ana, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Santa Ana, CA
Monthly Santa Ana, CA Car Insurance Rates by ZIP Code
 Santa Ana, CA Car Insurance Rates by Company vs. City Average
Santa Ana, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
The Cheapest Santa Ana, CA Car Insurance Rates by Coverage Level
Average Monthly Car Insurance Rates by Age & Gender in Santa Ana, CA
Santa Ana, CA Car Insurance Rates by Company and Age
The Cheapest Santa Ana, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Santa Ana, CA