Who Has Affordable Irvine Car Insurance Quotes for Drivers Under 21?

The vehicle model that needs insurance is a large consideration when trying to find the lowest-priced car insurance for drivers under 21. Vehicles with higher performance, a lack of safety features, or a history of substantial liability claims will cost quite a bit more to insure than safer models.

The next table ranks insurance premiums for the cheapest vehicles to insure.

Cheapest Vehicles to Insure in Irvine, CA
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V EX 4WD $2,814
Honda Accord EX-L 4-Dr Sedan $3,006
Ford Escape Limited 4WD $3,015
Toyota Prius $3,041
Ford Explorer XLT 4WD $3,105
Ford F-150 STX Regular Cab 4WD $3,112
Volkswagen Jetta SE 2.5 Station Wagon $3,236
Ford Edge SEL 2WD $3,263
Toyota Camry LE $3,298
Toyota RAV4 Limited 4WD $3,306
Jeep Grand Cherokee Laredo 4WD $3,298
Dodge Grand Caravan Hero $3,304
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $3,333
Chevrolet Malibu LT $3,339
Dodge Ram 3500 Crew Cab Laramie 2WD $3,333
Ford Focus SEL 4-Dr Sedan $3,457
Hyundai Elantra SE 4-Dr Sedan $3,493
Chevrolet Impala LTZ $3,500
Toyota Corolla S $3,493
Honda Odyssey EX-L W/Rear Entertainment $3,500
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Cost estimates assume single male driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in Irvine, CA location which can decrease or increase rates substantially.

Looking at the data, you can figure that vehicles like the Honda CR-V, Honda Accord, Ford Escape, Toyota Prius, and Ford Explorer are most likely to be a few of the most economical vehicles to insure for minors. The price for car insurance will tend to be more expensive anyway because of the fact that there is more claim exposure for drivers under 21, but generally speaking those particular vehicles will most likely have the cheapest auto insurance rates compared to other types of vehicles.

For minors, one of the more important considerations that are looked at to determine the cost of insurance is where you call home. Areas with more people or even just a higher incidence of claims are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims receive better rates.

The table below rates the highest-priced areas in California for drivers under 21 in which to purchase auto insurance. Irvine makes the list at #21 with a yearly premium of $1,384 for the average policyholder, which is about $115 each month.

How much does car insurance cost in Irvine, CA?
Rank City Average Per Year
1 Los Angeles $2,146
2 Glendale $2,142
3 San Francisco $1,745
4 Oakland $1,704
5 Sacramento $1,703
6 San Bernardino $1,628
7 Santa Clarita $1,595
8 Long Beach $1,578
9 Moreno Valley $1,551
10 Stockton $1,541
11 Fontana $1,519
12 Garden Grove $1,508
13 Fresno $1,502
14 Modesto $1,502
15 Riverside $1,497
16 Anaheim $1,474
17 Santa Ana $1,453
18 San Jose $1,423
19 Huntington Beach $1,402
20 Fremont $1,389
21 Irvine $1,384
22 Bakersfield $1,381
23 San Diego $1,368
24 Chula Vista $1,311
25 Oxnard $1,304
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Table data uses comparative as specific Irvine zip code can increase or decrease premiums significantly.

Deciphering which insurers offer the most affordable auto insurance rates for drivers under 21 calls for a little more sweat in order to find coverage that fits your budget.

Each auto insurer has a unique approach for determining rates in each state, so let’s examine the auto insurance companies with the overall best prices in California.

Find Cheaper Auto Insurance for Minors

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California car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,143
2 CSAA $1,186
3 Wawanesa $1,192
4 Century National $1,214
5 Nationwide $1,250
6 21st Century $1,338
7 Grange $1,433
8 Mercury $1,488
9 Progressive $1,512
10 GEICO $1,559
11 Allstate $1,559
12 MetLife $1,590
13 The Hartford $1,591
14 Allied $1,603
15 Esurance $1,688
16 Unitrin $1,699
17 State Farm $1,733
18 Bristol West $1,849
19 Travelers $1,860
20 Farmers $2,026
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USAA may offer some of the lowest car insurance rates in Irvine at around $1,143 each year. CSAA, Wawanesa, Century National, and Nationwide also qualify as some of the more affordable Irvine, CA insurance companies.

As shown in the table above, if you currently have a policy with Century National and switched to CSAA, you might achieve an annual savings of upwards of $28. Policyholders with Nationwide might save as much as $64 a year, and 21st Century insureds might reduce rates by $152 a year.

To get a quick, customized rate comparison, click here to get a free quote or visit any of the low-priced companies below.

It’s important to note that these prices are averages across all drivers and vehicles in California and do not take into consideration a specific vehicle garaging location for drivers under 21. So the company that can offer you the best price may not even be in the list above. That is why you need to get car insurance quotes using your own driver data and vehicle information.

How to get discounts on Irvine car insurance rates

Save on auto insurance for minors in IrvineInsurance companies that provide policies for drivers under 21 may provide special discounts that could reduce prices by 30% or more if you qualify for them. Popular auto insurance companies and some of the discounts include:

The diagram below shows the difference between insurance costs with and without discounts applied to the policy rates. The data is based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with accident-free, anti-theft, multiple vehicle, safe-driver, defensive driving course, and vehicle safety discounts applied. When these discounts are applied to the policy premium, theaverage amount saved on auto insurance for drivers under 21 is 28% or $846.

Cost comparison with and without full coverage

Finding cheaper auto insurance is the goal of most vehicle owners, and one of the fastest ways to find cheap insurance for drivers under 21 is to buy only liability coverage. The information below compares auto insurance costs with full physical damage coverage compared to only buying liability only. The premiums are based on a clean driving record, no claims, $100 deductibles, single status, and no additional discounts are factored in.

If all age groups are averaged, physical damage coverage costs $2,812 per year more than just insuring for liability. That proposes the question when is it safe to stop buying full coverage. There isn’t a steadfast formula for eliminating full coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

There are some cases where removing full coverage is not a good idea. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not opt for liability only.

If you aren’t sure which coverage you need and prefer to have a professional recommendation when buying car insurance for minors, the insurance agencies listed below can help you determine which auto insurance policy fits you best. To find an Irvine insurance agent near you, click the button below the list.

View map of Irvine, CA insurance agents

Tips to find more affordable car insurance for drivers under 21

Below you’ll find a few money-saving suggestions that can help you find cheaper coverage.

The last idea is especially vital, as we discussed in the prior information. Prices charged by car insurance companies change constantly, so don’t be hesitant to switch carriers if a lower-cost policy is available.

Staying with the same company for years is fine, but it’s not a great idea if that loyalty results in overpaying a wad of cash every year. Spend a few minutes and compare rates and find cheaper insurance for drivers under 21 in Irvine.