In Santa Ana, California, Allstate is both the overall best and cheapest choice for home insurance. If customer service is your priority, however, Chubb is best. These companies cater to different needs, so we recommend choosing a provider based on what is important to you. Choosing the best cheap home insurance depends on individual needs like cost, service and coverage options.
Best and Cheapest Home Insurance in Santa Ana, CA (2024)
Updated: November 25, 2024
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Best HomeInsuranceSanta Ana, CATable of Contents
Best Overall - Allstate
Best for Service - Chubb
Best Cheap - Allstate
Cheapest Overall - Allstate
Cheapest for High-Value Homes - Allstate
Cheapest for New Homes - Farmers
Why Trust MoneyGeek? We used data from the California Department of Insurance and Quadrant Information Services to find the top homeowners insurance in Santa Ana, backing our picks with data and standards.
Home insurance premiums in Santa Ana represent the most competitive estimates as of September 2024.
2,730,240Quotes Analyzed
8Companies Compared
Overview: Best Home Insurance Companies in Santa Ana, CA
MoneyGeek found that Allstate is the best option in Santa Ana, California, for 100K dwelling coverage, with a MoneyGeek score of 83 out of 100. The scores for home insurance companies in Santa Ana, California, range from 52 to 83. These figures come from MoneyGeek's system, where different insurers get varying scores based on factors like your credit history and the age of your home.
Data filtered by:Results filtered by:
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Category:Best Overall
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Coverages:1 - $100K Dwelling
| Allstate | 83 | $370 |
| Travelers | 80 | $513 |
| State Farm | 76 | $595 |
| Farmers | 72 | $550 |
| Chubb | 62 | $892 |
| Nationwide | 60 | $801 |
| Capital Insurance Group | 52 | $627 |
Overall Best Home Insurance in Santa Ana, CA
MoneyGeek found that Allstate is the best option in Santa Ana, California, for $100K dwelling coverage. The two best overall home insurance companies in Santa Ana for $100K dwelling coverage are:
- Allstate: MoneyGeek score of 83 out of 100 ($370 per year)
- Travelers: MoneyGeek score of 80 out of 100 ($513 per year)
Allstate stands out as the best home insurance provider because it offers affordability and a high customer satisfaction rate. In Santa Ana, California, various companies offer different costs and service experiences. Although cost is an important factor, consider other aspects like service quality, especially when making claims, as these factors are crucial for a satisfactory experience.
Best OverallAllstate
MoneyGeek Score:
83/ of 100
Overview
Allstate scores high on MoneyGeek due to its affordability and customer satisfaction. It offers comprehensive home insurance with cyber event / ID theft and back-up of sewer or drain coverages. You can save with discounts like bundle, which lets you save up to 25% when you combine home and auto policies. Allstate also rewards responsible payment, offering savings for paying on time.
Allstate provides useful coverages like home business property, which increases limits for business items at home. Energy efficiency upgrade helps replace damaged items with efficient ones. Yard and garden coverage increases limits for landscaping costs, making it a great option for homeowners.
Best Home Insurance for Customer Service in Santa Ana, CA
MoneyGeek found that Chubb is the best option in Santa Ana, California for homeowners seeking top-notch customer service in home insurance with 100K dwelling coverage.
Here are the top two providers for this coverage:
- Chubb: MoneyGeek score of 96 out of 100 ($892 per year)
- Nationwide: MoneyGeek score of 81 out of 100 ($801 per year)
Chubb stands out for its exceptional customer satisfaction, making it a leading choice for homeowners. Its high MoneyGeek score reflects great coverage options and responsive customer support. Choosing Chubb means you are prioritizing outstanding service.
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Best for Service QualityChubb
MoneyGeek Score:
96/ of 100
Overview
Chubb is the best for service quality, with high customer satisfaction boosting its MoneyGeek score. It offers comprehensive home insurance with guaranteed replacement cost and building ordinance or law coverages. Chubb also provides discounts like new home, available if your home is seven or 10 years old or less. These can help you save money.
Chubb's coverages are valuable for homeowners. Guaranteed replacement cost helps rebuild your home even if costs exceed your policy limit. Building ordinance or law covers bringing your home up to current codes. Cash settlement offers a payout if you choose not to rebuild. These features make Chubb a great choice.
Best Cheap Home Insurance in Santa Ana, CA
MoneyGeek found that Allstate is the best cheap home insurance option in Santa Ana, California. The top two best cheap insurance providers for $100K dwelling coverage are:
- Allstate: MoneyGeek score of 91 out of 100 ($370 per year)
- Travelers: MoneyGeek score of 81 out of 100 ($513 per year)
When considering the average cost of homeowners insurance in California, Allstate stands out due to its affordability score and overall customer satisfaction.
Choosing cheap home insurance often means getting lower coverage, which might save money initially but may not be enough if an accident occurs. In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial. Best cheap insurance offers a balance between cost and coverage, unlike the cheapest option, which focuses mainly on price.
Best CheapAllstate
MoneyGeek Score:
91/ of 100
Overview
Allstate scores high in affordability and satisfaction, making it a top choice for cheap home insurance. It offers cyber event / ID theft and back-up of sewer or drain as add-ons, providing comprehensive coverage. You can save with discounts like bundle and responsible payment. Pay on time to qualify for these savings.
Allstate's coverage includes cyber event / ID theft, which helps if your identity is stolen. Back-up of sewer or drain covers water damage from broken pipes. Home business property increases limits for business items at home. These coverages are useful for protecting your home and belongings.
Estimate Your Santa Ana Home Insurance Costs Online
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Rates updated:
Dec 23, 2024
Homeowners insurance in Santa Ana is influenced by many factors such as location. To save money, compare rates, but expect it to take over an hour for three companies, at 15 minutes each. Use MoneyGeek's home insurance calculator to quickly focus on key factors. Enter age, dwelling coverage, credit score, deductible, and liability coverage for an estimate.
Cheapest Home Insurance in Santa Ana, CA
Allstate is the top choice for affordable home insurance in Santa Ana, California. The cost details are as follows:
- For 100K Dwelling Coverage: Allstate: $370 per year
- For 250K Dwelling Coverage: Allstate: $735 per year
- For 500K Dwelling Coverage: Allstate: $1,339 per year
Allstate is the cheapest for 100K and 250K dwelling coverage, excelling with high scores that make it the best in both categories. For 500K, it balances cost and score with equal appeal. The main factor influencing home insurance premiums is the dwelling coverage chosen. Opting for economical home insurance in California helps manage finances effectively, with cheapest homeowners insurance in California offering considerable savings annually.
Data filtered by:Results filtered by:
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Coverages:$100K Dwelling
| Allstate | $370 |
| Travelers | $513 |
| Farmers | $550 |
| State Farm | $595 |
| Capital Insurance Group | $627 |
| Nationwide | $801 |
| Chubb | $892 |
Cheapest Home Insurance for High-Value Homes in Santa Ana, CA
Allstate is the cheapest for insuring high-value homes in Santa Ana, CA. Homes that are expensive to replace need high dwelling coverage, which makes home insurance costs go up.
- Cheapest for $750K Dwelling Coverage: Allstate: $1,967 per year
- Cheapest for $1M Dwelling Coverage: Allstate: $2,608 per year
Allstate has low yearly costs for such coverage in Santa Ana, CA, making it the cheapest option there. According to MoneyGeek, even though Allstate has the lowest rates, it is the best choice considering various factors.
Data filtered by:Results filtered by:
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Coverages:1 - 750K dwelling
| Allstate | $1,967 |
| Capital Insurance Group | $2,629 |
| Travelers | $2,775 |
| State Farm | $2,901 |
| Farmers | $4,023 |
| Nationwide | $4,097 |
| Chubb | $5,370 |
Cheapest Home Insurance for New Homes in Santa Ana, CA
Farmers offers the cheapest home insurance for new homes in Santa Ana, California.
- Cheapest for $100K Dwelling Coverage: Farmers: $261 per year
- Cheapest for $250K Dwelling Coverage: Travelers: $471 per year
- Cheapest for $500K Dwelling Coverage: Allstate: $830 per year
Farmers stands out in Santa Ana due to its low annual premium, making it the most affordable option for homeowners seeking cost-effective insurance for new homes. However, the cheapest may not always align with quality rankings, according to MoneyGeek.
Data filtered by:Results filtered by:
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Coverages:1 - $100K Dwelling
| Farmers | $261 |
| Travelers | $265 |
| Allstate | $277 |
| State Farm | $297 |
| Nationwide | $326 |
| Capital Insurance Group | $408 |
| Chubb | $713 |
How to Find the Best Home Insurance for You in Santa Ana, CA
The best cheap homeowners insurance providers balance quality and cost by offering excellent customer service and comprehensive coverage at affordable premiums.
The best cheap homeowners insurance in Santa Ana depends on your needs. Consider factors beyond premiums, such as coverage options, customer service and financial stability. Follow these steps to get the best cheap home insurance:
- 1
Evaluate Your Insurance Needs
To determine how much home insurance coverage you need, consider the specifics of your home in Santa Ana, California. Think about rebuilding costs, personal property value, and liability coverage.
- 2
Compare Different Providers
Research insurance companies operating in Santa Ana, California. Look for those with solid financial stability, good customer reviews, and a history of quality service.
- 3
Compare Coverage and Costs
Once you know what coverages you need, compare home insurance quotes. For a dwelling coverage of $100K in Santa Ana, California, premiums can range from $370 annually with Allstate to $801 with Nationwide.
- 4
Ask About Discounts
Inquire with each provider about potential discounts, such as those for bundling policies, installing safety features, or maintaining a claims-free record.
- 5
Increase Your Deductible
Opting for a higher home insurance deductible can reduce your premium, but ensure it's an amount you can afford if you need to make a claim.
- 6
Improve Home Security
Enhancing your home's security with systems and strong locks can lower your risk profile and potentially reduce insurance costs.
- 7
Maintain Good Credit
Keeping a good credit score can impact your insurance rates in Santa Ana, California. Pay bills on time and reduce any outstanding debt.
- 8
Bundle Policies
Consider combining your homeowners insurance with other policies like auto insurance. This can offer substantial discounts and savings.
FAQ: Best Cheap Home Insurance in Santa Ana, CA
The best cheap home insurance provider for you in Santa Ana depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Santa Ana, California.
How much is home insurance in Santa Ana, California, on average?
The average cost of home insurance in Santa Ana, California, is $491.
What is the cheapest home insurance company in Santa Ana, California?
Allstate is the cheapest home insurance company in Santa Ana, California, with an annual premium of $370.
What is the best home insurance company in Santa Ana, California?
The best home insurance in California for Santa Ana residents is provided by Allstate, with a MoneyGeek score of 83 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.