Cheap Car Insurance in Santa Ana, CA

Written by Xuyun Zeng and 1 other
Updated Mar 25, 2025
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Cheap Car Insurance in Santa Ana, CA

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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.

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. 

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$47 $560 National General 48 December 6, 2024 Santa Ana, CA 92707
$49 $590 Aspire Advantage 33 September 3, 2024 Santa Ana, CA 92705
$49 $592 Aspire Advantage 57 June 23, 2024 Santa Ana, CA 92703
$49 $594 National General 32 December 21, 2024 Santa Ana, CA 92704
$54 $643 Aspire Advantage 34 October 24, 2024 Santa Ana, CA 92704
$54 $648 Aspire Advantage 56 August 9, 2024 Santa Ana, CA 92704
$56 $668 Aspire Advantage 36 June 25, 2024 Santa Ana, CA 92704
$56 $676 Aspire Advantage 47 October 2, 2024 Santa Ana, CA 92701
$58 $697 Aspire Advantage 61 July 11, 2024 Santa Ana, CA 92701
$61 $733 Aspire Advantage 28 December 27, 2023 Santa Ana, CA 92701
Last Updated May 8, 2025

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.

Find affordable car insurance in minutes.

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$97 $1,168 Bristol West 36 April 24, 2025 Santa Ana, CA 92703
$104 $1,254 National General 27 February 8, 2025 Santa Ana, CA 92704
$126 $1,515 National General 52 December 30, 2024 Santa Ana, CA 92704
$142 $1,698 Anchor General 28 April 11, 2025 Santa Ana, CA 92703
$143 $1,718 Anchor General 36 March 12, 2025 Santa Ana, CA 92701
$144 $1,723 National General 38 April 18, 2025 Santa Ana, CA 92705
$146 $1,749 National General 40 November 2, 2024 Santa Ana, CA 92707
$146 $1,758 Aspire Advantage 35 April 2, 2025 Santa Ana, CA 92703
$152 $1,821 Aspire Advantage 36 August 30, 2024 Santa Ana, CA 92704
$160 $1,918 National General 48 April 26, 2024 Santa Ana, CA 92701
Last Updated May 8, 2025

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$56 $672 National General 29 No January 17, 2025 Santa Ana, CA 92707
$61 $733 Aspire Advantage 28 No December 27, 2023 Santa Ana, CA 92701
$67 $803 National General 29 No April 17, 2025 Santa Ana, CA 92704
$70 $840 National General 27 No February 5, 2025 Santa Ana, CA 92701
$72 $866 National General 27 No November 14, 2024 Santa Ana, CA 92704
Last Updated May 8, 2025

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$47 $560 National General 48 No December 6, 2024 Santa Ana, CA 92707
$49 $584 Progressive 35 No March 8, 2025 Santa Ana, CA 92701
$49 $586 Aspire Advantage 46 No April 6, 2025 Santa Ana, CA 92704
$49 $590 Aspire Advantage 33 No September 3, 2024 Santa Ana, CA 92705
$49 $594 National General 32 No December 21, 2024 Santa Ana, CA 92704
Last Updated May 8, 2025

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 older drivers in Santa Ana, based on Jerry data.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Has Full Coverage
$49 $592 Aspire Advantage 57 June 23, 2024 Santa Ana, CA 92703 No
$51 $615 National General 58 February 11, 2025 Santa Ana, CA 92707 No
$54 $648 Aspire Advantage 56 August 9, 2024 Santa Ana, CA 92704 No
$58 $697 Aspire Advantage 61 July 11, 2024 Santa Ana, CA 92701 No
$64 $763 Aspire Advantage 56 September 13, 2024 Santa Ana, CA 92707 No
Last Updated May 8, 2025

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$47 $560 National General 48 December 6, 2024 No Santa Ana, CA 92707
$49 $584 Progressive 35 March 8, 2025 No Santa Ana, CA 92701
$49 $586 Aspire Advantage 46 April 6, 2025 No Santa Ana, CA 92704
$49 $590 Aspire Advantage 33 September 3, 2024 No Santa Ana, CA 92705
$49 $592 Aspire Advantage 57 June 23, 2024 No Santa Ana, CA 92703
$49 $594 National General 32 December 21, 2024 No Santa Ana, CA 92704
$54 $643 Aspire Advantage 34 October 24, 2024 No Santa Ana, CA 92704
$54 $648 Aspire Advantage 56 August 9, 2024 No Santa Ana, CA 92704
$54 $652 National General 34 January 19, 2025 No Santa Ana, CA 92704
$56 $668 Aspire Advantage 36 June 25, 2024 No Santa Ana, CA 92704
Last Updated May 8, 2025

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.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $62 $741 Aspire Advantage 50 April 16, 2025 Santa Ana, CA 92704
<550 $64 $768 Aspire Advantage 31 August 6, 2024 Santa Ana, CA 92704
<550 $65 $777 Bristol West 39 November 21, 2024 Santa Ana, CA 92704
<550 $69 $824 Aspire Advantage 34 March 8, 2024 Santa Ana, CA 92707
<550 $74 $889 Aspire Advantage 43 February 3, 2024 Santa Ana, CA 92707
Last Updated May 8, 2025

Cheapest car insurance for drivers with speeding tickets in Santa Ana

A speeding ticket 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.

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $66 $790 Bristol West 49 November 12, 2024 Santa Ana, CA 92704
Speeding under 15 $67 $799 Aspire Advantage 40 January 24, 2024 Santa Ana, CA 92707
Speeding under 15 $107 $1,282 Aspire Advantage 23 September 7, 2024 Santa Ana, CA 92704
Speeding under 15 $109 $1,304 Bristol West 35 February 26, 2024 Santa Ana, CA 92704
Speeding under 15 $111 $1,329 National General 23 March 26, 2025 Santa Ana, CA 92707
Last Updated May 8, 2025
MEET OUR EXPERTS
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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.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.