Who Has Affordable Auto Insurance Rates for Government Employees in Irvine?

Deciphering which companies quote the cheapest auto insurance rates for government employees takes a little more work than just comparing a company or two. Every insurance provider has a unique approach for determining rates, so we’ll take a look at the most affordable auto insurance companies in Irvine.

It’s important that readers know that Irvine, CA auto insurance rates are calculated based on many things that will increase or decrease the price you have to pay. Simply having another birthday, getting divorced, or getting into an accident may prompt premium changes resulting in some rates now being more affordable than others.

Best Cheap Insurance Rates in California

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Who has the cheapest car insurance in California?
Rank Company Cost Per Year
1 USAA $1,109
2 Century National $1,178
3 Wawanesa $1,181
4 CSAA $1,198
5 Nationwide $1,250
6 21st Century $1,366
7 Grange $1,477
8 Mercury $1,488
9 GEICO $1,529
10 Progressive $1,542
11 Allied $1,556
12 Allstate $1,559
13 The Hartford $1,591
14 MetLife $1,638
15 State Farm $1,682
16 Unitrin $1,699
17 Esurance $1,705
18 Bristol West $1,777
19 Travelers $1,788
20 Farmers $1,966
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USAA normally has some of the most affordable car insurance rates in Irvine at around $1,109 a year. Century National, Wawanesa, CSAA, and Nationwide also make the cut as some of the cheaper Irvine, CA insurance companies.

As depicted above, if you are a policyholder with CSAA and switched to Century National, you could see yearly savings of roughly $20. Insureds with Nationwide may save as much as $72 a year, and 21st Century insureds might lower prices by up to $188 a year.

To find out how your current rates compare, click here to begin a quote or quote rates from the companies below.

Bear in mind that those rates are averages across all drivers and vehicles and and are not figured with a specific zip code for government employees. So the auto insurance company that can offer the best rates for your situation may not even be in the top 24 companies in the list above. That helps illustrate why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.

For state and federal workers, one of the largest factors that are looked at to determine the price you pay for insurance is where your car is garaged in Irvine. Areas with increased crime or more people tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the gratification of cheaper auto insurance rates.

The information below shows the most expensive cities in California for government employees to buy car insurance in. Irvine is listed at #23 with the yearly price of $1,343 for coverage, which is around $112 each month.

How much does car insurance cost in Irvine, CA?
Rank City Premium Per Year
1 Los Angeles $2,168
2 Glendale $2,142
3 San Francisco $1,763
4 Oakland $1,704
5 Sacramento $1,703
6 San Bernardino $1,628
7 Stockton $1,603
8 Santa Clarita $1,580
9 Long Beach $1,578
10 Garden Grove $1,554
11 Fontana $1,535
12 Modesto $1,532
13 Riverside $1,527
14 Fresno $1,517
15 Moreno Valley $1,506
16 Santa Ana $1,483
17 Anaheim $1,444
18 San Jose $1,423
19 Huntington Beach $1,416
20 Bakersfield $1,394
21 Fremont $1,361
22 Oxnard $1,358
23 Irvine $1,343
24 San Diego $1,340
25 Chula Vista $1,311
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Rate quotes are estimated as specific Irvine zip code can raise or lower price quotes greatly.

The type of vehicle that is being insured is a significant factor when quoting economical coverage for government employees. Vehicles with higher performance characteristics, poor crash test ratings, or high incidents of liability claims will cost significantly more to insure than safer, lower-performance models.

The list below ranks car insurance rates for a selection of the most budget-friendly vehicles to buy insurance for.

Cheapest Vehicles to Insure in Irvine, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Escape Limited 2WD $853
Honda CR-V LX 2WD $943
Ford Focus S 4-Dr Sedan $970
Ford Edge Limited 2WD $976
Ford Fusion S 4-Dr Sedan $989
Volkswagen Jetta LE 4-Dr Sedan $997
Dodge Grand Caravan Hero $989
Toyota Prius $1,015
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,018
Toyota Tacoma 4WD $1,022
Ford F-150 XL Regular Cab 4WD $1,032
Toyota Camry SE $1,042
Honda Odyssey EX $1,059
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $1,061
Chevrolet Equinox LT 2WD $1,081
Chevrolet Impala LT $1,090
Honda Civic DX 4-Dr Sedan $1,088
Toyota RAV4 Limited 4WD $1,112
Ford Explorer Eddie Bauer AWD $1,137
Toyota Corolla XLE $1,141
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in specific location which can decrease or increase prices significantly.

Looking at the data, vehicles like the Ford Escape, Honda CR-V, Ford Focus, and Ford Edge are some of the more affordable vehicles to insure for state and federal workers.

Irresponsible driving raises your rates

The obvious way to find affordable auto insurance premiums in Irvine for state and federal workers is to drive attentively and avoid accidents and keep your driving record clean. The chart below demonstrates how citations and at-fault fender-benders can raise car insurance rates for each different age category. The data is based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

The data in the chart shows the average cost of a car insurance policy per year with no accidents or violations is $2,467. Get one speeding ticket and the average cost rises to $2,787, an increase of $320 each year. Now add in one accident along with the one speeding ticket and the yearly cost of auto insurance for government employees increases to an average of $3,677. That’s an increase of $1,209, or $101 per month, just for being a careless driver!

Selecting a highly-rated auto insurance company can be rather challenging considering how many companies there are to choose from in Irvine. The information shown below may help you pick which coverage providers you want to consider when shopping insurance around for government employees.

The rankings below include companies that insure vehicles nationwide, so smaller regional companies are not taken into consideration for these rankings. To compare prices from these top-rated insurers and more, simply click here.

Best Ten Auto Insurance Companies for Government Employees in California
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
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Data Source: Insure.com Best Car Insurance Companies

Why you should be comparing rates

Irvine, CA auto insurance rates are based on many factors that will increase or decrease the price you pay for coverage. Turning one year older, buying a new vehicle, or getting a ticket for careless driving can cause premium changes that may make certain companies more affordable than the competition. Not only that, but auto insurance companies amend premium rates every year in order to be able to pay unexpected claims. Higher than normal claims can cause increased rates, while lower claim expenses may cause more affordable Irvine car insurance rates.

The graph below compares the cheapest car insurance in Irvine, CA for a 30-year-old female driver with a good driving record, no prior claims, and excellent credit. Based on her personal risk profile, USAA may offer the cheapest car insurance rates in Irvine at $1,143 a year. This is $508 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the top five cheapest Irvine, CA auto insurance companies.

Now we will give the driver from above a chargeable accident, a little lower credit rating, and a blemish on her driving record. Because each company has a proprietary method to set premium rates, analyzing rates could result in a different ranking of affordable companies as shown below.

Grange now has the best auto insurance rate in Irvine with Mercury, Progressive, Allied, and Allstate now rounding out the top five. This example proves why it is crucial to compare as many rates as possible when trying to get the best car insurance quotes for government employees.

Auto insurance prices are made up of many factors and can increase or decrease at any time, so the cheapest rate two years ago may now be one of the higher cost companies.

If you have questions and prefer to get some professional input when trying to find the best insurance rates for state and federal workers, the agents below are a good start to answer your questions and help you decide which car insurance company is the best fit.

To locate an agency near you, click the button at the bottom or click here to compare prices now.

Roger Stone Insurance Agency
5015 Birch StNewport Beach, CA 92660(949) 757-0270

California Agency Insurance
17632 Irvine Blvd # 235Tustin, CA 92780(714) 731-8300

Church and Casualty Insurance
3440 Irvine Ave # 150Newport Beach, CA 92660(949) 852-8558

SureCo Insurance Agency
201 Sandpointe Ave Suite 600Santa Ana, CA 92707(866) 845-9815

Hodge and Hodge Insurance Inc
10 Hughes # 205Irvine, CA 92618(949) 458-0442

View map of Irvine, CA insurance agents

How to find cheaper car insurance for government employees

Below you’ll find a few thrifty suggestions that can help drivers get more affordable coverage.

That last piece of advice is extraordinarily valuable, as was emphasized in the article above. Coverage prices vary considerably, so drivers shouldn’t hesitate to change to a new company if a lower price can be found.

Many drivers tend to have loyalty to a certain company, but we do not recommend it if that dedication is costing money that could be used for better things. In just a couple of minutes you could compare prices to find cheaper car insurance for government employees in Irvine.