How Much is Auto Insurance for High Risk Drivers in Irvine?

One of the many considerations that are looked at to help calculate insurance cost is where you normally keep your vehicle. Areas with more people or higher crime rates tend to have more expensive auto insurance rates, whereas areas with less congestion have the luxury of lower rates.

The information below rates the highest-priced areas in California for high risk drivers to buy car insurance in. Irvine is listed at #24 with an annual cost of $1,330 for the average insured, which is about $111 monthly.

How much does auto insurance cost in Irvine?
Rank City Premium Per Year
1 Los Angeles $2,083
2 Glendale $2,079
3 San Francisco $1,745
4 Oakland $1,687
5 Sacramento $1,669
6 San Bernardino $1,644
7 Long Beach $1,626
8 Stockton $1,603
9 Garden Grove $1,570
10 Santa Clarita $1,533
11 Fontana $1,519
12 Fresno $1,517
13 Moreno Valley $1,506
14 Modesto $1,502
15 Santa Ana $1,497
16 Riverside $1,497
17 Anaheim $1,474
18 San Jose $1,437
19 Huntington Beach $1,402
20 Bakersfield $1,394
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Premium amounts are approximated as the specific Irvine residence address can raise or lower price quotes greatly.

The vehicle model that needs insurance is probably the largest consideration when shopping around for economical coverage for high risk drivers. Vehicles with reasonable performance levels, advanced safety features, or a track record of few liability claims will cost significantly less to insure than fast, unsafe models. The table below illustrates coverage costs for some of the cheapest automobiles to insure in California.

Cheapest Vehicles to Insure in Irvine, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 4WD $3,200
Toyota Prius $3,250
Honda CR-V EX-L 2WD $3,279
Ford Edge SE 2WD $3,381
Honda Odyssey LX $3,390
Chevrolet Silverado LS Regular Cab 4WD $3,537
Dodge Grand Caravan SE $3,572
Toyota RAV4 Sport 4WD $3,574
Volkswagen Jetta S 4-Dr Sedan $3,581
Dodge Ram 3500 Crew Cab Laramie 2WD $3,610
Hyundai Elantra GLS 4-Dr Sedan $3,736
Chevrolet Impala LTZ $3,744
Jeep Grand Cherokee Laredo 2WD $3,743
Chevrolet Malibu LS $3,752
Ford Fusion Sport 4-Dr Sedan $3,772
Toyota Tacoma Double Cab 4WD $3,780
Ford Explorer Eddie Bauer AWD $3,789
Ford F-150 Lariat Crew Cab Platinum 4WD $3,805
Nissan Altima 2.5 4-Dr Sedan $3,836
Hyundai Sonata GLS 4-Dr Sedan $3,888
Toyota Corolla S $3,911
Toyota Camry XLE $3,916
Chevrolet Equinox LTZ AWD $3,949
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Data based on single female driver age 50, two speeding tickets, two at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in specific location information which can affect coverage rates significantly.

Looking at the rates, you can infer that cars like the Ford Escape, Toyota Prius, and Honda CR-V are most likely to be some of the most budget-friendly vehicles to insure for high risk drivers. The cost of a car insurance policy will tend to be higher because of the fact that there is more inherent risk for high risk drivers, but generally speaking those particular models will most likely have the cheapest auto insurance rates compared to other vehicles.

Does it make sense to buy full coverage?

Reducing premiums for car insurance is the goal of most vehicle owners, and one common way to find cheap insurance for high risk drivers is to not buy full coverage. The example below compares annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no claims or driving citations, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

Averaged for all age groups, comp and collision coverage costs $2,467 per year more than just insuring for liability. That brings up the question if you should buy full coverage. There is no set rule of when to exclude full coverage on your policy, but there is a general convention. If the annual cost of having full coverage is about 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.

There are a few cases where only buying liability is not recommended. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage.

Get discounts on Irvine auto insurance rates

Cheaper Irvine, CA car insurance for high risk driversAuto insurance companies that offer quotes for high risk drivers may also provide rate discounts that may potentially lower prices by 25% or more if you can meet the requirements. Larger car insurance companies and the discounts they provide include:

The chart below shows the difference between auto insurance costs with and without discounts applied to the rates. The premiums assume a female driver, one at-fault accident and three violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with paid-in-full, multiple policy, homeowner, passive restraint, vehicle safety, and marriage discounts applied. With discounts applied, theaverage amount saved on car insurance for high risk drivers is 28% or $1,242.

Buying coverage from the highest-rated company can be difficult considering how many choices you have in Irvine. The company rank data below can help you choose which insurers to look at when comparing insurance rates for high risk drivers. These rankings only include large, nationwide insurance companies, so smaller companies that only insure vehicles in California are not taken into consideration for this list.

Irvine, CA Car Insurance Company Rankings
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
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Data Source: Best Car Insurance Companies

The benefit of shopping around

Irvine car insurance rates are impacted by many things that can increase the policy premium. Improving your credit rating, buying a new vehicle, or getting a ticket for running a stop sign may generate price changes that can now make some companies affordable when they were higher priced. And not only may your rating factors change, but insurance companies file new California car insurance rates as often as every quarter to adjust for gains or losses. Unexpectedly high claims may result in rate hikes, while lower claim expenses can result in cheaper Irvine car insurance rates.

The data below shows the cheapest car insurance in Irvine, CA for a 40-year-old female driver with no violations or accidents, and a decent credit rating. If we estimate prices based on her current rating profile, USAA offers the lowest car insurance rates in Irvine at $1,189 per year. This is $462 less than the average price paid by California drivers of $1,651. CSAA, Wawanesa, Century National, and Nationwide are also on the list of the cheapest Irvine, CA auto insurance companies.

In the next rate comparison, we’ll give the driver in the first chart a chargeable accident, poor credit, and a few traffic violations. Because every insurance company uses a different method for filing rates in each state, getting updated rate quotes may now show a different ranking of cheap Irvine auto insurance companies as shown below.

Grange now has the best insurance rate in Irvine with Allstate, GEICO, Allied, and Progressive also being competitive. This example illustrates why it is so important to perform an extensive rate comparison when trying to get the best auto insurance quotes for high risk drivers. Insurance rates are determined by many risk factors and change dramatically, so the most affordable company a year ago may now be quite expensive.