For a 40-year-old driver with a clean record, Santa Ana car insurance averages about $349 a month ($4,187 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 5% above the California average of $332 a month. GEICO has the lowest full-coverage average of the five major insurers we compared (Allstate, Auto Club of Southern California, Farmers, GEICO and State Farm), at about $201 a month.
Santa Ana, the Orange County seat, costs a little more than the county as a whole for our benchmark driver: about $16 a month above the Orange County average and about $17 a month above the statewide average on our California car insurance rates page. It’s less than Anaheim, to the north, and more than Irvine, to the southeast.
Our data covers six ZIP codes with a Santa Ana mailing address, from about $329 a month in 92705 to $365 in 92703.
Cost data comes from the auto rates insurers file with state regulators, priced across all six Santa Ana ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Santa Ana, CA?
Full coverage in Santa Ana averages $4,187 a year, or about $349 a month, for our benchmark driver. Liability-only coverage at 15/30/5 limits averages $1,597 a year ($133 a month), and 50/100/50 liability with comprehensive and collision averages $3,864 ($322 a month).
- Full coverage (100/300/100, $500 deductibles): $4,187 a year ($349 a month)
- 50/100/50 with $500 deductibles: $3,864 a year ($322 a month)
- Liability only (15/30/5): $1,597 a year ($133 a month)
- Orange County: $3,999 a year ($333 a month) for full coverage
- California average: $3,979 a year ($332 a month) for full coverage
- ZIP code range: $329 (92705) to $365 (92703) a month for full coverage
Cheap Car Insurance in Santa Ana: Companies Compared
- Lowest average in our data, full coverage: GEICO, at about $201 a month ($2,408 a year).
- Next lowest among the five major insurers we compared: Auto Club of Southern California, at about $336 a month, then State Farm at $369.
- Liability only (15/30/5): about $55 to $175 a month across the five insurers.
- Also on our list: USAA at about $232 a month, Mercury at $265, Progressive at $272, Travelers at $361 and Nationwide at $375 (USAA sells only to military families).
- Most expensive in our data: Farmers, at about $437 a month, $2,841 a year more than GEICO for the same driver and car.
GEICO has the lowest full-coverage average among the five insurers in our Santa Ana rate data. Five of the eight published 2026 statewide California rate studies we reviewed also rank GEICO cheapest for full coverage, apart from USAA, which sells only to military families, and a sixth ties GEICO with Progressive. That’s why we name GEICO, though its lead in our data is wider than in those studies. For liability-only coverage at 15/30/5 limits, averages run from about $55 to $175 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Santa Ana
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/5 (Yearly): | Liability Only 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $663 | $55 | $2,408 | $201 |
| Auto Club of Southern California | $1,431 | $119 | $4,036 | $336 |
| State Farm | $1,917 | $160 | $4,426 | $369 |
| Allstate | $2,101 | $175 | $4,817 | $401 |
| Farmers | $1,872 | $156 | $5,249 | $437 |
| USAA (military families)* | $1,161 | $97 | $2,778 | $232 |
| Mercury Insurance* | $1,417 | $118 | $3,184 | $265 |
| Progressive* | $1,264 | $105 | $3,261 | $272 |
| Travelers* | $2,057 | $171 | $4,337 | $361 |
| Nationwide* | $1,918 | $160 | $4,501 | $375 |
| Santa Ana average | $1,597 | $133 | $4,187 | $349 |
This table uses Santa Ana ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Santa Ana Car Insurance Rates by ZIP Code
Across the six Santa Ana ZIP codes we price, full coverage for our driver ranges from about $329 a month in 92705 to $365 in 92703, a gap of $426 a year. 92705, on the east side, is the least expensive Santa Ana ZIP code in our data, and 92703, on the west side, the most expensive, about $36 a month higher.
Lowest-priced Santa Ana ZIP codes
Highest-priced Santa Ana ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Santa Ana’s average.
| ZIP Code: | Liability Only 15/30/5 (Yearly): | Liability Only 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 92701 | $1,616 | $135 | $4,222 | $352 | +1% |
| 92703 | $1,687 | $141 | $4,374 | $365 | +5% |
| 92704 | $1,615 | $135 | $4,192 | $349 | About average |
| 92705 | $1,520 | $127 | $3,948 | $329 | -6% |
| 92706 | $1,623 | $135 | $4,166 | $347 | -1% |
| 92707 | $1,519 | $127 | $4,222 | $352 | +1% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Santa Ana?
Raising liability limits from 50/100/50 to 100/300/100 adds about $323 a year on average in our Santa Ana data, with the same $500 deductibles. That’s about $27 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Is Car Insurance Going Up in Santa Ana?
For our benchmark driver, full coverage isn’t going up. Comparing the four insurers that are in both sets of rates, in the same Santa Ana ZIP codes, their full-coverage average fell from $4,055 a year nine months earlier to $3,922 in rates as of Aug. 31, 2026, a 3.3% drop. State Farm cut its Santa Ana average 10.7%, while Allstate’s, Auto Club of Southern California’s and GEICO’s averages were unchanged. Farmers is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Santa Ana average above. Liability-only coverage at 15/30/5 limits rose 6.6%, led by State Farm, which raised its liability-only average 24.4%.
What Shapes Car Insurance Costs in Santa Ana
Orange County averages about $333 a month for full coverage, the fourth-most expensive of the 55 California counties we price. Of the seven Orange County cities with four or more ZIP codes in our data, Santa Ana is the third-most expensive, after Anaheim and Garden Grove.
Neighbors to the east and south cost less: Tustin, to the east, averages about $336 a month, Orange, to the northeast, $319 and Costa Mesa, to the south, $322. Garden Grove, to the northwest, averages $351 and Westminster, to the west, $361. California insurers price by location as well as by driver and car, so your ZIP code can move your price.
How Santa Ana Car Insurance Compares With Other California Cities
More California cities and towns are in the California rates by city table, and you can compare states on our car insurance rates by state page.
Anaheim, about six miles north, averages $354 a month, and Irvine, about five miles southeast, $331. Long Beach, about 19 miles west in Los Angeles County, averages $358.
What Car Insurance Is Required in Santa Ana?
Drivers in Santa Ana follow California’s rules. The minimum rose for policies issued or renewed on or after Jan. 1, 2025, and every policy must now carry at least:
- Bodily injury liability of $30,000 per person and $60,000 per crash
- Property damage liability of $15,000 per crash
Our California requirements guide covers uninsured motorist coverage, proof of insurance and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Santa Ana
- Compare GEICO and Auto Club of Southern California first. They have the two lowest full-coverage averages among the five major insurers we compared in Santa Ana, about $201 and $336 a month.
- Quote several insurers. In our Santa Ana data, the lowest and highest insurer averages are about $236 a month apart for the same driver and car.
- Don’t let a cancellation lapse. Your insurer reports your policy to the DMV, and if a canceled policy isn’t replaced within 45 days, the DMV suspends your registration until you show proof of insurance and pay a $14 reinstatement fee, according to the California DMV.
- Compare at every renewal. Over the past nine months, State Farm has cut its Santa Ana average 10.7%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check California home insurance rates, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.
Ready to compare
How We Calculated Santa Ana Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 30 full-coverage premiums from five insurers across six Santa Ana ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 15/30/5 limits, with 15/30 uninsured motorist coverage and no comprehensive or collision. California’s minimum has been 30/60/15 since Jan. 1, 2025, so our liability-only prices use lower limits than the law requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. In Santa Ana, GEICO’s full-coverage average is 40% below Auto Club of Southern California’s, a wider lead than that, but we name GEICO because most of the published 2026 statewide California rate studies we reviewed also rank it cheapest. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Farmers is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other four insurers, Allstate, Auto Club of Southern California, GEICO and State Farm, are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 California rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from California law and the California Department of Insurance. We refresh these figures when new rate data is released.
Santa Ana Car Insurance FAQ
For our benchmark driver, full coverage in Santa Ana averages about $349 a month ($4,187 a year) and liability-only coverage at 15/30/5 limits about $133 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 5% above the California average of $332 a month.
GEICO has the lowest full-coverage average in our Santa Ana rate data, at about $201 a month, followed by Auto Club of Southern California at $336 among the five major insurers we compared. For liability-only coverage at 15/30/5 limits, averages run from about $55 to $175 a month. Five of the eight published 2026 statewide California rate studies we reviewed also rank GEICO cheapest for full coverage, apart from USAA, and a sixth ties GEICO with Progressive. Rates vary by driver, so compare quotes for your own car and ZIP code.
Irvine, for our benchmark driver. Santa Ana full coverage averages about $349 a month and Irvine about $331, a difference of about $18 a month for the same driver and car.
In our data, 92705 has the lowest full-coverage average in Santa Ana, at about $329 a month, and 92703 the highest, at about $365. The ZIP code table on this page lists all six.
In our Santa Ana data, full coverage (100/300/100 with $500 deductibles) averages about $349 a month and liability-only coverage at 15/30/5 limits about $133, a difference of about $216 a month ($2,590 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. California law doesn’t require full coverage, but a lender or leasing company may.
Not for full coverage, for our benchmark driver. Comparing the four insurers in both sets of rates (Farmers is new over the past nine months), their Santa Ana full-coverage average fell 3.3%, from about $4,055 to $3,922 a year. That’s lower than the Santa Ana average of $4,187 because it leaves out Farmers. State Farm cut its Santa Ana average 10.7%. Liability-only coverage at 15/30/5 limits rose 6.6%.
For our benchmark driver, full coverage in Santa Ana averages about $349 a month. Nearby, Anaheim averages about $354, Irvine about $331 and Long Beach about $358. Irvine is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
- Latest Posts
Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
