Who Has Affordable Car Insurance for Retired Military in Irvine?

For veterans, one of the largest factors that aid in calculating the amount you pay for auto insurance is where your car is garaged. Cities with more crime and/or more people are more likely to have higher rates, whereas areas that tend to be more rural have the gratification of cheaper auto insurance rates.

The table below ranks the most expensive areas in California for retired military to buy an auto insurance policy in. Irvine comes in at #19 with an annual premium of $1,384 for the average policyholder, which is approximately $115 per month.

Car insurance prices in Irvine
Rank City Premium Per Year
1 Los Angeles $2,083
2 Glendale $2,079
3 San Francisco $1,711
4 Oakland $1,687
5 Sacramento $1,652
6 San Bernardino $1,596
7 Long Beach $1,562
8 Garden Grove $1,554
9 Moreno Valley $1,551
10 Santa Clarita $1,548
11 Riverside $1,542
12 Stockton $1,541
13 Fontana $1,535
14 Modesto $1,532
15 Santa Ana $1,497
16 Anaheim $1,474
17 Fresno $1,457
18 Fremont $1,403
19 Irvine $1,384
20 San Jose $1,381
21 Huntington Beach $1,360
22 Oxnard $1,358
23 Bakersfield $1,340
24 San Diego $1,340
25 Chula Vista $1,311
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Premium amounts are approximated as the specific garaging location can affect price quotes greatly.

Establishing which companies have the lowest-priced car insurance rates for retired military may require a little more sweat in order to find the lowest price quote. Each auto insurer uses a slightly different approach to determine rates, so we’ll go over the most affordable car insurance companies in Irvine.

It’s important that readers know that California car insurance rates are determined by lots of factors which can significantly increase or decrease the cost of a policy. Simply improving your credit, increasing deductibles, or getting a DUI may prompt premium changes that can make some companies more affordable than competitors.

Cheapest Insurance Rates for Vets

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USAA generally has some of the cheapest car insurance rates in Irvine at around $1,155 a year. Century National, Wawanesa, Nationwide, and CSAA would also be considered some of the most economical Irvine, CA auto insurance companies.

In the above rates, if you have coverage with Century National and switched to USAA, you could realize savings of roughly $23. Customers with Wawanesa may save as much as $37 a year, and Nationwide customers might see rate reductions of $58 a year.

It’s important to note that these prices are averages for all types of drivers and the different vehicles they drive and are not factoring in a specific vehicle garaging location for retired military. So the car insurance company that can offer the best rates for your situation may not even be in the list above. That point stresses why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

The vehicle needing coverage is a significant factor when shopping around for economical insurance for retired military. Vehicles with high performance, a lack of safety features, or a track record of large liability claims will cost quite a bit more to insure than more modest models. The list below illustrates insurance prices 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
Honda CR-V EX 2WD $788
Ford Escape XLS 4WD $797
Ford Edge SE 2WD $866
Toyota Prius $872
Ford Focus SE 4-Dr Sedan $916
Chevrolet Impala LT $934
Toyota RAV4 Limited 4WD $941
Ford F-150 XLT Super Cab 2WD $964
Honda Odyssey EX-L W/Navigation $984
GMC Sierra SLT Crew Cab 2WD $1,000
GMC Sierra 2500HD SLE Crew Cab 4WD $1,007
Chevrolet Equinox LTZ 2WD $1,000
Toyota Tacoma 2WD $1,010
Hyundai Sonata GLS 4-Dr Sedan $1,000
Kia Optima LX $1,008
GMC Sierra 3500HD SLE Extended Cab 2WD $1,018
Chevrolet Silverado LS Extended Cab 4WD $1,020
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in specific Irvine, CA garaging location which can change coverage rates significantly.

Looking at the data, models like the Honda CR-V, Ford Escape, Ford Edge, Toyota Prius, and Ford Focus are the most budget-friendly vehicles to insure for veterans.

Types of discounts on Irvine car insurance

Save on car insurance for veterans in IrvineAuto insurance companies that offer cheap quotes for retired military may also give you premium discounts that may potentially lower prices by 40% or more if you qualify. Companies and a selection of discounts are shown below.

The information below illustrates the difference between insurance premiums with and without policy discounts. The premium estimates are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with vehicle safety, safe-driver, multiple vehicle, passive restraint, homeowner, and anti-theft discounts applied. With discounts applied, the average savings per year on car insurance for retired military is 28% or $630.

Full coverage rates vs. liability-only in Irvine

Finding cheaper car insurance should be important to the majority of people, and one of the best ways to lower the cost of insurance for retired military is to not buy full coverage. The example below shows the difference between insurance premiums with full physical damage coverage compared to only buying liability only. The rate quotes are based on no claims or driving violations, $500 deductibles, single marital status, and no additional discounts are factored in.

As an average for all age groups, physical damage insurance costs $2,075 per year more than just buying liability insurance. Lot’s of drivers question if it’s worth it to buy full coverage. There is no definitive rule that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is more than about 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

How to find a good California car insurance company

Choosing the highest-rated insurance provider can be a challenge considering how many companies provide coverage in Irvine. The company rank data below could help you analyze which car insurance companies to look at when comparing auto insurance rates for retired military.

The ratings below are only made up of companies that insure vehicles nationwide, so companies that focus mainly on California business are not factored into this list. To get price quotes from the most competitive companies in California, click here.

Top 10 Large Auto Insurers 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

Ideas for buying economical insurance for retired military

It’s not impossible to find cheaper rates, and here are many money-saving suggestions that can help you buy low-cost coverage.

The last item on the list is very necessary, as we discussed in the prior article. Auto insurance rates change a lot, so drivers shouldn’t hesitate to buy a policy from a new company if a cheaper rate is available. Many consumers stick with the same company and that’s fine, but it’s not a good idea if that inflexibility results in costing you a lot of money. Now is a great time to shop around and find cheaper car insurance for retired military in Irvine.

The agents shown below can help you decide which auto insurance policy fits you best, since many people would rather have a consultation when buying car insurance for retired military. It can be challenging to find the cheapest rate yourself, and getting professional guidance from a licensed agent can give comfort knowing your coverage gives you adequate coverage when you need it most.

To find an auto insurance agency by location nearest to you, click the link after the list or click here to get price quotes now.

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