Santa Ana Insurance Rates:

Santa Ana, CA home insurance is nearly $528 to $716, about $44-$59/month. Our all inclusive research shows customers can save as much as $248 by getting different quotes

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Santa Ana Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $270/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $375,000

5 Beds, 5 Baths 2470 sqft Primary Residence Constructed In 1962 with Wood Flooring, Slate Shingles Roof, Slab Foundation, Wood siding, Wood Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $260/2 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $730,000

5 Beds, 5 Bath 3680 sqft Rental Property Constructed In 1976 with Linoleum, Slate Shingles Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Single Male who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $100/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $405,000

5 Beds, 5 Baths 2320 sqft Seasonal Residence Constructed In 1990 with Carpet Flooring, Shingles Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $40/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $190,000

2 Beds, 2 Bath 1130 sqft Rental Property Constructed In 1991 with Hardwood Flooring, Asphalt Shingles Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Married Male who is Retired with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $180/8 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $215,000

3 Beds, 3 Baths 1480 sqft Vacation Property Constructed In 1974 with Wood Flooring, Composition Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Married Female who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $70/1 month for $200,000-$250,000 Coverage
Policy Holder Home Details :

Home Value : $240,000

2 Beds, 2 Baths 864 sqft Primary Residence Constructed In 1984 with Stone Flooring, Wood Shake Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Divorced Male who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Santa Ana, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92706 $445,300 $650
92704 $335,800 $630
92701 $314,600 $620
92703 $306,600 $620

Santa Ana Rates & Quotes Analysis:

Santa Ana Area Estimated House Insurance
Kawaii St, E Wisteria Pl, N Cooper St, Salinaz Dr, S Alpine Rd, S Douglas St, Ashville Way, Greengrove St, N French St, Bradford Pl$591
Village Way, Bolivar Pl, S Virlee St, E 22nd St, Golden West Ave, Porter St, Albion Ave, W Roy Cir, E Myrtle St, Mast Ave$641
Fernwood Dr, Windsor Ln, Bolivar Cir, Pinon Ct, E Walnut St, S Croddy Way, S Laura Linda Ln, S McLean Dr, Keelson Ave, N Stone Pine Glen$630
Sampson Ct, Concord St, W St Gertrude Pl, N Heliotrope Dr, N Minter St, Apple Ln, W Melric Dr, Glendale Ct, Richland St, E Walnut St$599
N French St, Freeman St, Pso Corto, E Alton Ave, Edna Dr, E Griffith Pl, Iverness Way, W Pendleton Ave, N Spruce St, S King St$660
Evonda St, N Glenarbor St, Franklin St, Clementine Ct, Linden Way, Pebble Ct, S Hurley St, Kensington Park Dr, Measor St, Grovemont St$643
Sandstone Dr, Landsdowne Rd, Chatham Dr, W Cll del Sur, Cape Cod Way, Strawberry Ln, Lillian Way, W Ballast Ave, Donwest, S Manitoba Dr$662
W Dahl Ln, First American Way, E Santa Clara Ave, Aston, Royal Ln, E Stanford St, W Monta Vista Ave, S King St, W Saint Gerturde Pl, W St Andrew Pl$620
Capital Ave, N Ponderosa St, W Saint Gertrude Pl, Arden St, Roseleaf Ave, E Jonquil Rd, W Chandler Ave, Encanto, S Glenarbor St, Ethelbee Way$665
Clemensen Ave, S Devon Rd, Duryea Ave, Jennrich Ave, Mabury St, Heights Dr, Meridian Way, Robson Ct, S Joane Way, W Dyer Rd$640

Insurance rates are influenced by a number of factors including:

  • Year Built: 15,699 Homes (20% of total homes ) built between 1950 to 1959 in Santa Ana are paying home insurance between $1,168-$1,177. Places close to Santa Ana, CA such as Tustin, Fountain Valley, Costa Mesa are more expensive by $52, $81, $78 respectively while Stanton and Seal Beach are cheaper by $18 and $17 respectively for similar homes.
  • Bedrooms: 21,849 3 bedrooms homes (29% of total homes ) in Santa Ana are paying about $231 and varies from Tustin (+$16), Fountain Valley (+$15), Costa Mesa (+$14), Laguna Woods (-$3) and West Rancho Dominguez (-$5).
  • Auto Insurance Bundling: 14,138 Households (41% of all households) in Santa Ana have 3 or more vehicles available and when it is bundled with home insurance you can save $155 and differs from Tustin ($162), Fountain Valley ($166), Costa Mesa ($165).
  • Senior Discounts: 13,712 seniors (more than 55 years) occupied housing units (39% of total) in Santa Ana get discounts between $93 to $95 compared to Tustin ($97), Fountain Valley ($99), Garden Grove ($94).
  • New Homes discounts: New homes such as the 21,751 homes built between 2000 to 2009 in Santa Ana can save $124 and similar new home insurance discounts in nearby towns and cities like Tustin, Fountain Valley and Costa Mesa are $129, $132 and $132 respectively.

Santa Ana Homeowners insurance Facts

  • Santa Ana, CA has 34,265 owner occupied houses which is 47.2% of all units whereas Tustin, Fountain Valley and Costa Mesa have 51.06%, 71.72% and 40.78% respectively.
  • Santa Ana, CA homeowners yearly insurance price at $622 is 0.18% of the typical house value of $343,200 which is in contrast with 0.13% in Tustin, 0.11% at Fountain Valley & 0.11% in Costa Mesa.
  • Homeowners in Santa Ana, CA pay 1.13% of their income ($50,000 to $59,999) in insurance whereas homeowners in Tustin, Fountain Valley and Costa Mesa pay 1.18%, 1.21% and 1.2% respectively.
  • Santa Ana, CA’s insurance is 2.5% of monthly housing costs of $2,041/month, for owners with a mortgage compared to 1.91% in Tustin, 2.14% at Fountain Valley & 2.03% in Costa Mesa. But, for households without a mortgage, insurance is 13.1% of costs ($395 in Santa Ana, CA) in contrast with 9.73% in Tustin, 12.32% at Fountain Valley & 12.57% in Costa Mesa.

Santa Ana, CA Home Values & Insurance rates

For example, insurance for 377 Homes (1.0% of total homes ) valued between $50,000 to $59,999 in Santa Ana, CA is about $93. Rates in nearby areas in such as Tustin, Fountain Valley, Costa Mesa are cheaper by $29, $40, $41 respectively while Stanton and Seal Beach are costlier by $17 and $17 respectively for similar homes.

Santa Ana, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,333 10.0% $43
$50,000 to $59,999 377 1.0% $93
$60,000 to $69,999 312 1.0% $111
$70,000 to $79,999 292 1.0% $130
$100,000 to $124,999 570 2.0% $199
$125,000 to $149,999 674 3.0% $248
$150,000 to $174,999 1,049 4.0% $292
$175,000 to $199,999 1,083 4.0% $335
$200,000 to $249,999 2,430 10.0% $404
$250,000 to $299,999 3,641 16.0% $497
$300,000 to $399,999 9,122 40.0% $628

Renters Insurance in Santa Ana

  • Average Renters Insurance in Santa Ana :  $153($12/month)

  • Median Gross Rent in Santa Ana :  $1,283

  • Santa Ana Renters Insurance to Median Rent Ratio:  0.94%

  • Average household size of renter-occupied unit :  4.4

Santa Ana Renters Insurance as a Percentage of Rent

Santa Ana Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 797 2.0% $788
$300 to $499 510 1.0% $1238
$500 to $749 1,314 3.0% $1913
$750 to $999 6,456 17.0% $2663
$1,000 to $1,499 17,685 46.0% $3788
$1,500 or more 10,786 28.0% $5438

Rent Affordability in Santa Ana:

Approximately 50.0% (19,530) of households are spending more than 35% of their income on gross rent in Santa Ana

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,627 6.0%
15.0 to 19.9 percent 3,427 8.0%
20.0 to 24.9 percent 4,737 12.0%
25.0 to 29.9 percent 4,383 11.0%
30.0 to 34.9 percent 3,667 9.0%
35.0 percent or more 19,530 50.0%

Santa Ana Renters Insurance Discounts:

Santa Ana Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Santa Ana, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 14,585 38.0% $15.3
2 vehicles available 13,464 35.0% $22.95
3 or more vehicles available 6,641 17.0% $30.6

Protective device discount in Santa Ana Up to :  $22

Claims-free discount in Santa Ana Up to :  $30