Southern California is famous for its traffic. In fact, the stretch of Interstate 5 from Los Angeles to Santa Ana tops the Federal Highway Administration’s list of 25 most traveled locations by annual average daily traffic. Nine other stretches of Santa Ana highways made the list, too.

It’s wise to travel the O.C. with the right car insurance. We’ve gathered data from real Jerry customers in Santa Ana to show you how factors like your coverage level and driving history can affect your premium.

More: Cheapest car insurance in California

Cheapest minimum coverage insurance in Santa Ana

California requires drivers to have the following coverages at minimum:

• $30,000 per person for bodily injury liability.
• $60,000 for bodily injury per accident for multiple persons injured.
• $15,000 for property damage liability per accident.

Here are the cheapest quotes drivers in Santa Ana have received for minimum coverage via Jerry. 

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

More: Best car insurance in California

Cheapest full coverage insurance in Santa Ana

Santa Ana’s weather is usually mild year-round, but emergencies like earthquakes and wildfires can threaten your car. Full coverage car insurance can help protect your finances if your car is damaged by a natural disaster, or if the car is stolen, vandalized or damaged in an accident, regardless of who is at fault. Here are the cheapest quotes Jerry customers in Santa Ana have received for full coverage.

More: Best car insurance companies

Cheapest car insurance for young drivers in Santa Ana (18-29 years old)

Young drivers are likely to pay the highest rates for auto insurance because insurers may view their lack of experience driving as a risk. It’s wise to shop around to find the company that will give you the lowest rate. These are the cheapest quotes young drivers in Santa Ana have received through Jerry.

More: Get cheap car insurance the smart way, today

Cheapest car insurance for mature drivers in Santa Ana (30-54 years old)

Between 30 and 54 years old, car insurance premiums tend to get cheaper, so this is a good time to regularly request quotes from different insurers in search of the best rate. Check out the cheapest quotes that mature drivers in Santa Ana have received, based on Jerry’s customer data.

Cheapest car insurance for older drivers in Santa Ana (55+ years old)

Drivers older than 54 can expect some of the lowest insurance rates, but premium costs typically rise as they reach their 70s. Check out the cheapest quotes for seniors in Santa Ana, based on Jerry data.

Cheapest car insurance for drivers with clean records in Santa Ana

Drivers who have clean records can expect some of the lowest auto insurance premiums. Here are the cheapest quotes in Santa Ana for drivers with spotless driving records, based on Jerry’s customer data.

Cheapest car insurance for drivers with at-fault accidents in Santa Ana

Getting into an accident typically causes your car insurance premium to rise. If you have an at-fault accident on your record, it’s wise to compare quotes from multiple insurers in search of the lowest rate. Check out the cheapest quotes for drivers in Santa Ana with at-fault accidents on their records, based on Jerry data.

Cheapest car insurance for drivers with speeding tickets in Santa Ana

A speeding citation is likely to raise your rates, but the size of the increase may depend on how fast you were going when you were cited. Check out the quotes below to see what Jerry customers with a speeding ticket were quoted.

MEET OUR EXPERTS

Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

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Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

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Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.