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Best cheap car insurance in Santa Ana for 2022

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Santa Ana, California has a population of over 330,000 residents and is the second most populous city in Orange County. Close to 30% of households own two cars and 75% of drivers commute alone to and from work. Santa Ana drivers can expect to pay an average annual rate of $778 for state minimum liability and $2,074 for full coverage car insurance.

To find the best and cheapest car insurance companies offering coverage in Santa Ana, we compared coverages, discount options, pricing, financial strength and third-party reviews. Bankrate’s best and cheapest car insurance carriers in Santa Ana are presented below.

Best car insurance companies in Santa Ana

The best car insurance companies in Santa Ana offer several levels of coverage, an assortment of discounts, have positive third-party rankings and excellent or better financial strength to pay claims.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
AAA 848 / 1000 $622 $1,974
Geico 828 / 1000 $555 $1,657
State Farm 836 / 1000 $868 $2,282
Wawanesa 853 / 1000 $690 $1,608


While AAA is best known for offering roadside assistance packages, it also offers a full line of insurance products, including auto, home and life insurance. Drivers insured through the Auto Club of Southern California AAA Club have access to annual dividends, which pays you back for insuring your car with the company. In 2020, the average annual auto dividend was $202.

Drivers can also save up to 27% by insuring more than one car and up to 16% on their auto insurance by bundling with home insurance. Good drivers also save, getting reduced rates by up to 20% for having a clean driving record. AAA has superior financial strength to pay claims and took second place on the J.D. Power 2020 U.S. Auto Insurance Satisfaction Study for overall customer satisfaction.


Geico is the third largest auto insurer in California by market share and has some of the highest ratings for financial strength in the industry. If you are unsure about how much coverage you need, Geico has a coverage calculator that can help. With a host of available discounts and coverage offerings, drivers can tailor their car insurance to their specific needs with Geico.

Geico is the fifth best car insurer in the California region according to customer satisfaction rankings in the J.D. Power study. It also has the cheapest car insurance rates on our list for state minimum auto insurance limits.

State Farm

State Farm offers some of the highest percentage discounts for bundling home and auto at 17% savings. Student drivers can also save up to 15% with its Steer Clear program and additional savings up to 25% for having a B or above GPA as a full-time student.

The auto insurer is the top auto insurance company in California, insuring 13% of the market share. According to the California region, State Farm is the third best at customer satisfaction and is the sixth best for auto claims satisfaction in the J.D. Power auto studies.


Wawanesa offers auto and home insurance to California and Oregon residents. It is the #1 insurer in the California region based on customer satisfaction and has the cheapest average annual rates for full coverage car insurance on our list. Drivers affiliated with certain affinity groups, insured with Wawanesa for at least a year and with a clean driving record stand to save the most with the auto insurer.

Cheapest car insurance in Santa Ana

To find the cheapest car insurance companies in Santa Ana, we compared the most popular carriers based on market share. Though drivers pay more for car insurance in Santa Ana than the national average cost of car insurance, which is $1,674 per year, that does not mean you have to pay high prices for auto insurance.

Of the cheapest car insurance companies in Santa Ana, Geico has the best rates for state minimum and full coverage annual average rates. AAA’s rates are the second cheapest for state minimums while Mercury has the second cheapest average annual rates for full coverage.

All the companies listed have excellent or better financial strength, several options for coverage and discounts available to customize your car insurance to your household needs.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $555 $1,657
AAA $622 $1,974
Mercury $663 $1,693
Progressive $685 $1,849
Travelers $732 $1,780

Santa Ana insurance requirements

Drivers in Santa Ana must abide by California’s mandatory minimum car insurance liability requirements. To meet these requirements, you must have at least:

  • $15,000 per person, bodily injury
  • $30,000 per accident, bodily injury
  • $5,000 per accident, property damage

Though comprehensive and collision coverage is not required, it may be desired, especially if you have a financed or leased vehicle. Insurance experts recommend purchasing as much liability insurance as you can afford, which can protect your finances if you are involved in an accident.

Car insurance discounts in Santa Ana

To keep auto insurance rates cheap, Santa Ana drivers can take advantage of discounts. Most are able to be stacked together to maximize savings, including:

  • Accident free
  • Good student
  • Multi-car
  • Multi-policy
  • Safety features

Purchasing a car with anti-theft and safety features is a great way to get more discounts on your auto insurance in Santa Ana. Insuring your home and more than one car with the same company usually has a big impact on your car insurance costs. If you have a teen driver, maintaining good grades is another way to keep the costs of auto insurance manageable with a youthful driver in the household.

Frequently asked questions

What is the best car insurance company?

To find the best car insurance company, you should determine what is most important to you, whether it is price, coverages, discounts, financial strength or other policy offerings. Getting several quotes from different auto insurance companies can help you find the best car insurance company in Santa Ana that meets your needs.

How much does car insurance in Santa Ana cost?

Though rates are dependent on driving history, the type of car you drive and the coverages you choose, among other factors, the average driver pays $778 for state minimum and $2,074 for full coverage per year in Santa Ana.

How much car insurance do I need in Santa Ana?

Car insurance coverage protects you financially if you were to cause an accident resulting in injuries or property damage. If you want physical damage coverage for your own car, consider adding comprehensive and collision to your auto insurance. The more car insurance coverage you have, the more you can protect yourself if you cause an accident in Santa Ana.


Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Mandy Sleight
Insurance Contributor
Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.