Cheap Car Insurance in Santa Ana, CA

Written by Xuyun Zeng and 1 other
Updated Jul 23, 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.

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. 

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code

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.

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$79 $953 National General 51 May 28, 2025 Santa Ana, CA 92707
$91 $1,095 National General 66 May 28, 2025 Santa Ana, CA 92707
$94 $1,122 Aspire Advantage 43 April 5, 2025 Santa Ana, CA 92704
$95 $1,135 Aspire Advantage 45 July 7, 2025 Santa Ana, CA 92704
$95 $1,135 National General 44 June 26, 2025 Santa Ana, CA 92707
$100 $1,198 ROOT 41 June 1, 2025 Santa Ana, CA 92705
$106 $1,278 Mercury 43 June 21, 2025 Santa Ana, CA 92704
$107 $1,281 National General 39 June 16, 2025 Santa Ana, CA 92704
$108 $1,298 Aspire Advantage 34 May 15, 2025 Santa Ana, CA 92704
$110 $1,316 Progressive 64 February 10, 2025 Santa Ana, CA 92707
Last Updated Jul, 2025

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Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$65 $784 Bristol West 29 No March 10, 2025 Santa Ana, CA 92704
$71 $854 National General 26 No May 16, 2025 Santa Ana, CA 92701
$72 $869 National General 28 No February 26, 2025 Santa Ana, CA 92705
$73 $872 ROOT 26 No June 1, 2025 Santa Ana, CA 92701
$77 $924 Geico 22 No July 2, 2025 Santa Ana, CA 92707
Last Updated Jul, 2025

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$46 $552 Geico 39 No May 20, 2025 Santa Ana, CA 92704
$49 $594 Progressive 40 No May 12, 2025 Santa Ana, CA 92703
$53 $631 Geico 31 No April 22, 2025 Santa Ana, CA 92705
$54 $647 National General 53 No July 14, 2025 Santa Ana, CA 92705
$55 $659 National General 32 No April 27, 2025 Santa Ana, CA 92705
Last Updated Jul, 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 seniors in Santa Ana, based on Jerry data.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Has Full Coverage
$54 $653 National General 55 May 7, 2025 Santa Ana, CA 92703 No
$62 $749 National General 64 February 10, 2025 Santa Ana, CA 92707 No
$70 $838 Aspire Advantage 62 April 6, 2025 Santa Ana, CA 92707 No
$71 $849 National General 64 February 7, 2025 Santa Ana, CA 92705 No
$71 $856 Aspire Advantage 66 April 3, 2025 Santa Ana, CA 92701 No
Last Updated Jul, 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 Quote
Has Full Coverage
City, State
ZIP Code
$46 $552 Geico 39 May 20, 2025 No Santa Ana, CA 92704
$49 $594 Progressive 40 May 12, 2025 No Santa Ana, CA 92703
$53 $631 Geico 31 April 22, 2025 No Santa Ana, CA 92705
$54 $647 National General 53 July 14, 2025 No Santa Ana, CA 92705
$54 $653 National General 55 May 7, 2025 No Santa Ana, CA 92703
$55 $659 National General 32 April 27, 2025 No Santa Ana, CA 92705
$56 $669 National General 32 February 14, 2025 No Santa Ana, CA 92707
$56 $673 National General 52 March 13, 2025 No Santa Ana, CA 92704
$57 $682 Mercury 45 June 28, 2025 No Santa Ana, CA 92707
$59 $707 National General 30 February 22, 2025 No Santa Ana, CA 92705
Last Updated Jul, 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 $52 $627 National General 39 November 21, 2024 Santa Ana, CA 92704
<550 $52 $629 National General 34 March 18, 2025 Santa Ana, CA 92701
<550 $54 $649 Aspire Advantage 42 August 19, 2024 Santa Ana, CA 92707
<550 $55 $656 National General 41 January 22, 2025 Santa Ana, CA 92704
<550 $55 $666 National General 55 June 16, 2025 Santa Ana, CA 92705
Last Updated Jul, 2025

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.

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 $73 $882 Bristol West 41 May 3, 2024 Santa Ana, CA 92706
Speeding under 15 $74 $886 Progressive 36 April 9, 2025 Santa Ana, CA 92701
Speeding under 15 $82 $983 National General 37 July 21, 2025 Santa Ana, CA 92705
Speeding under 15 $86 $1,036 Aspire Advantage 25 December 12, 2024 Santa Ana, CA 92703
Last Updated Jul, 2025
MEET OUR EXPERTS
meet-experts-thumbnail
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 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.

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.