Who Has Affordable Auto Insurance Quotes After a Speeding Ticket in Irvine?

After a few driving violations, one of the largest components that are looked at to determine the amount you pay for auto insurance is your address in Irvine. Larger areas will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims tend to receive cheaper rates.

The next table rates the highest-priced areas in California after a speeding ticket to purchase auto insurance in. Irvine ranks #20 with an annual cost of $1,371 for the average insurance policy, which is around $114 monthly.

How much is auto insurance in Irvine, CA?
Rank City Annual Rate
1 Glendale $2,121
2 Los Angeles $2,083
3 San Francisco $1,745
4 Oakland $1,738
5 Sacramento $1,703
6 Long Beach $1,626
7 Stockton $1,588
8 Fontana $1,581
9 San Bernardino $1,580
10 Moreno Valley $1,536
11 Santa Clarita $1,533
12 Modesto $1,532
13 Riverside $1,527
14 Fresno $1,517
15 Garden Grove $1,508
16 Anaheim $1,474
17 Santa Ana $1,439
18 San Jose $1,423
19 Huntington Beach $1,402
20 Irvine $1,371
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Table data uses estimated as zip code location can decrease or increase price quotes noticeably.

The vehicle model requiring insurance is one of the primary factors when comparing quotes for the best car insurance after a speeding ticket. Vehicles with more horsepower, poor safety features, or a track record of large liability claims will cost quite a bit more to insure than safer, lower-performance models. The list below presents insurance costs for some of the more affordable automobiles to buy insurance for.

Cheapest Vehicles to Insure in Irvine, CA
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape XLT 2WD $1,121
Hyundai Elantra GLS Touring Station Wagon $1,236
Ford F-150 XL Crew Cab 4WD $1,278
Chevrolet Silverado LT Extended Cab 4WD $1,324
GMC Sierra SLE Crew Cab 2WD $1,330
Honda CR-V EX-L 2WD $1,332
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,350
Jeep Wrangler Sahara 4WD 2-Dr $1,386
Toyota Corolla XLE $1,396
Toyota Camry SE $1,406
Chevrolet Equinox LTZ 2WD $1,422
Jeep Grand Cherokee SRT-8 4WD $1,429
Honda Odyssey EX W/Rear Entertainment $1,438
Toyota Prius $1,446
Chevrolet Impala LT $1,467
Toyota RAV4 Sport 4WD $1,474
Ford F-350 XLT Crew Cab Harley Edition 2WD $1,473
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Price data assumes single female driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can affect premium rates substantially.

Based upon these rates, we can assume that models like the Ford Escape, Hyundai Elantra, Ford F-150, and Chevrolet Silverado are the cheaper vehicles to insure after a few driving violations.

Picking a good quality company is difficult considering how many companies there are to choose from in California. The information listed below may help you choose which companies to look at comparing prices from.

The ratings below are for companies who write in the majority of U.S. states, so companies that focus mainly on California business are not included in these rankings. To compare rates from these and other top-rated companies, simply click here.

Top Auto Insurance Companies After a Speeding Ticket in Irvine, CA
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

Get discount Irvine insurance

Auto insurance after a few driving violations in Irvine, CAInsurance providers that offer quotes after a speeding ticket may have discounts that could potentially reduce rates by as much as 35% if you qualify for them. Large auto insurance companies and a selection of discounts are shown below.

The information below shows the difference between annual premium costs with and without some available policy discounts. The rates are based on a female driver, no accidents and one citation, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with marriage, vehicle safety, paperless filing, homeowner, paid-in-full, and multiple policy discounts applied. With discounts applied, theamount saved on auto insurance after a speeding ticket is 28% or $835.

Low rates can quickly become overpriced

Irvine, CA auto insurance rates are influenced by many factors which can substantially decrease or increase the cost of your policy. Simply getting older, getting married, or getting a speeding ticket can produce rate changes that may make certain companies more affordable than before. Not only may things change on your end, but auto insurance companies modify rates every year to adjust for unexpected claims or profits. Higher than normal claim frequency or severity may result in price increases, while a lower level of claims may result in cheaper Irvine car insurance rates.

For instance, the graph below shows the companies that have the cheapest car insurance in Irvine, CA for a 30-year-old male driver with no accidents or violations, and a good credit rating. If we look at prices based on his current risk factors, USAA may offer the best car insurance rates in Irvine at $1,160 a year. This is $491 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide round out the rest of the cheapest Irvine, CA auto insurance companies.

Now we will pretend the driver in the first chart an at-fault accident, poor credit, and an imperfect driving record. Due to the fact that every insurance company has a different formula to set premium rates, comparing quotes may now show a significantly different list of cheap Irvine auto insurance companies as shown below.

Grange now has the best insurance rate in Irvine with Progressive, Allstate, GEICO, and Mercury now being in the top five. This shows why consumers need to perform a complete rate comparison to get the cheapest auto insurance rates after a speeding ticket.

Rates are impacted by many risk factors and change frequently, so the best company six months ago may now be one of the more expensive options.