Who Has Affordable Irvine Auto Insurance Rates for State Employees?

For state workers, one of the more important factors that are looked at to determine insurance cost is where you live in Irvine. Areas with more people or higher crime rates tend to have more expensive auto insurance rates, whereas areas that tend to be more rural can boast about having cheaper rates.

The next table rates the highest-priced areas in California for state employees to purchase a policy in. Irvine is ranked #24 with a yearly cost of $1,343 for car insurance, which is approximately $112 monthly.

How much does auto insurance cost in Irvine?
Rank City Annual Rate
1 Glendale $2,121
2 Los Angeles $2,083
3 Oakland $1,755
4 San Francisco $1,693
5 Sacramento $1,652
6 San Bernardino $1,596
7 Stockton $1,588
8 Fontana $1,581
9 Long Beach $1,578
10 Moreno Valley $1,536
11 Santa Clarita $1,533
12 Riverside $1,527
13 Garden Grove $1,524
14 Modesto $1,502
15 Fresno $1,502
16 Santa Ana $1,483
17 Anaheim $1,444
18 Huntington Beach $1,402
19 San Jose $1,381
20 Bakersfield $1,381
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Rate quotes are approximated as vehicle location can influence coverage prices substantially.

Finding good, affordable insurance is not always easy, and finding out which company has the cheapest insurance rates for state employees will take even more rate comparisons. Each auto insurance company has their own guidelines for setting prices, so first let’s look at the rankings for the insurance companies with the overall cheapest rates in Irvine, CA.

It’s a good idea to know that Irvine insurance rates are impacted by many factors that will increase or decrease the price you have to pay. This price variation is why it is crucial to compare rates to find cheap insurance quotes for state employees. Rates are made up of many risk factors and can increase or decrease at any time, so the cheapest option six months ago may now be quite expensive.

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Rankings for the cheapest car insurance companies in California
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,181
3 CSAA $1,198
4 Century National $1,226
5 Nationwide $1,263
6 21st Century $1,366
7 Grange $1,433
8 Progressive $1,512
9 Allstate $1,513
10 GEICO $1,513
11 Mercury $1,533
12 Allied $1,556
13 MetLife $1,590
14 The Hartford $1,623
15 State Farm $1,699
16 Esurance $1,705
17 Unitrin $1,733
18 Bristol West $1,795
19 Travelers $1,860
20 Farmers $2,026
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USAA has some of the cheapest car insurance rates in Irvine at around $1,121 annually. Wawanesa, CSAA, Century National, and Nationwide would also make the list of some of the best Irvine, CA auto insurance companies.

As shown in the table above, if you are currently insured with CSAA and switched to USAA, you could see yearly savings of approximately $77. California drivers with Century National could save as much as $105 a year, and Nationwide policyholders might lower prices by $142 a year.

Remember that these policy rates are averages across all ages of drivers and types of vehicles and and are not calculated with an exact location for state employees. So the car insurance company that is best for you may not even be in the list above. That affirms the importance of why you need to get rate quotes using your own driver information and specific vehicle type.

The vehicle model you are trying to insure is one of the biggest factors when comparing low-priced car insurance for state employees. Vehicles with limited top-end speed, a plethora of safety features, or a positive history of liability claims will cost significantly less to insure than higher performance models. The next table illustrates insurance prices for a selection of the most affordable vehicles to buy insurance for.

Cheapest Vehicles to Insure in Irvine, CA
Insured Vehicle Estimated Cost for Full Coverage
Ford Escape XLT 2WD $668
Toyota Prius $743
Honda Odyssey EX W/Rear Entertainment $775
Chevrolet Impala LS $785
Honda CR-V EX-L 4WD $783
Ford Focus SES 4-Dr Sedan $815
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $817
GMC Sierra SLE Crew Cab 4WD $848
Chevrolet Equinox LTZ AWD $856
Dodge Grand Caravan SE $848
Volkswagen Jetta 2.0T 4-Dr Sedan $857
Chevrolet Silverado LT Regular Cab $850
Chevrolet Malibu Hybrid $900
Toyota RAV4 Limited 4WD $908
Honda Accord EX-L 2-Dr Coupe $906
Ford Fusion SEL AWD 4-Dr Sedan $912
Ford Explorer Eddie Bauer 4WD $914
Ford F-150 Lariat Super Cab 4WD $920
Toyota Tacoma Double Cab 4WD $927
Hyundai Elantra SE 4-Dr Sedan $945
Toyota Corolla XLE $952
Ford Edge Sport 2WD $949
Toyota Camry XLE $956
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Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Prices do not factor in zip code location which can raise or lower insurance rates greatly.

Based upon the rates shown, you can presume that vehicles like the Ford Escape, Toyota Prius, Honda Odyssey, and Chevrolet Impala are going to be the cheaper vehicles to insure for state workers.

The example below highlights how deductible choice can impact yearly insurance costs when searching for cheap insurance for state employees. The data is based on a married male driver, full coverage, and no policy discounts are applied.

In the chart above, a 40-year-old driver could lower their policy premium by $308 a year by changing from a $100 deductible up to a $500 deductible, or save $466 by switching to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, could roll back prices up to $1,026 every year by choosing a larger deductible amount. When choosing a higher deductible, it will be necessary to have enough savings to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Picking a good quality auto insurance company can be challenging considering how many companies there are to choose from in California. The company ratings in the lists below may help you decide which auto insurers you want to consider purchasing from.

The rankings below include companies who write in the majority of U.S. states, so companies without a large exposure are not taken into consideration for the list. To get price quotes from these and other companies in California, follow this link.

Top 10 Major Car Insurance Companies in Irvine Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

Top 10 Major Car Insurance Companies in Irvine Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

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Irvine, CA insurance rates are influenced by many factors which can substantially decrease or increase the policy premium. Turning one year older, increasing deductibles, or getting a couple of tickets can trigger price changes resulting in some companies being cheaper than others. Not only that, but insurance companies modify pricing multiple times each year in order to remain profitable. An unexpected high level of claims can cause additional price hikes, while profitable underwriting can produce cheaper Irvine car insurance rates.

To help illustrate this point, the graph below shows the cheapest car insurance in Irvine, CA for a 30-year-old male driver with no violations or accidents, and a high credit rating. When quoting prices based on his personal profile, USAA might offer the cheapest car insurance rates in Irvine at $1,154 per year. This is $497 less than the average rate paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are also on the list of the most affordable Irvine, CA auto insurance companies.

In this next rate comparison, we will give the driver in the first chart a chargeable claim, less-than-perfect credit, and a speeding citation. Because each insurer has a different formula for determining rates, analyzing rates most likely will result in a completely different list of cheap Irvine auto insurance companies as shown below.

Grange now has the best price on car insurance in Irvine with Mercury, GEICO, Allstate, and Progressive now rounding out the top five. This example shows why it is critical to perform an extensive rate comparison to get the cheapest auto insurance rates for state employees. Insurance prices are calculated by many different factors and change substantially, so the lowest-price company the last time you shopped your coverage around may now be one of the higher cost companies.

How to find cheaper insurance for state employees

It’s not impossible to find cheaper rates, and here are some penny-pinching suggestions that can help California drivers buy low-cost auto insurance.

The last suggestion is notably necessary, as we noted in this write-up. Prices charged by companies can change significantly in a year, so don’t be afraid to change insurance companies if a lower-cost policy is available.

Having brand loyalty is commendable, but is isn’t recommended if that dedication is costing money that could be going to better use. Take a few minutes and compare rates and find cheaper car insurance for state employees in Irvine.