How Much is Auto Insurance for Postal Workers in Irvine?

It’s hard to avoid all the commercials from insurers like Allstate and GEICO that make promises of the cheapest price, so you should just choose the one with the most memorable commercial, right?

It’s just not that simple, as there are many unknowns like whether you are female or male, if you have a spouse, whether or not you own a home, and the number of miles you drive each year, that all impact the cost of your policy. The content below will cover the best ways to save money and hopefully give you enough understanding to have a jump start in finding the best auto insurance in Irvine.

The vehicle model needing coverage is one of the primary factors when consumers are trying to find the cheapest coverage for postal workers. Vehicles with economical engines, good safety features, or a track record of few liability claims will cost less to insure than high performance models. The next list estimates insurance rates for a handful of the more affordable automobiles to insure.

Cheapest Vehicles to Insure in Irvine, CA
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLT 4WD $894
Ford F-150 XLT Regular Cab 2WD $959
Honda CR-V EX-L 2WD $1,025
Toyota Camry LE $1,034
Toyota RAV4 Limited 4WD $1,042
Chevrolet Silverado LT Regular Cab $1,108
Honda Civic SI 4-Dr Sedan $1,142
Toyota Camry Hybrid $1,182
GMC Sierra 2500HD SLE Regular Cab 2WD $1,190
Jeep Grand Cherokee Laredo 2WD $1,187
Chevrolet Equinox LT AWD $1,197
Volkswagen Jetta LE 4-Dr Sedan $1,187
Chevrolet Impala LT $1,197
Toyota Prius $1,193
Ford Explorer Eddie Bauer 2WD $1,201
Toyota Tacoma Double Cab 4WD $1,210
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $1,227
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium costs do not factor in specific location which can change prices noticeably.

Based upon the table data, makes and models like the Ford Escape, Ford F-150, Honda CR-V, Toyota Camry, and Toyota RAV4 are most likely going to be some of the most affordable vehicles to insure for postal employees.

For postal employees, one of the more important criteria that aid in calculating insurance cost is where your residence is in Irvine. Larger areas tend to pay slightly more, whereas areas with less people or fewer weather incidents can boast about having cheaper rates.

The information below shows the highest-priced places in California for postal workers to purchase car insurance in. Irvine shows up at #21 with the annual price of $1,371 for the average insurance policy, which is around $114 each month.

How much does car insurance cost in Irvine, CA?
Rank City Annual Rate
1 Los Angeles $2,168
2 Glendale $2,142
3 Oakland $1,755
4 San Francisco $1,711
5 Sacramento $1,703
6 San Bernardino $1,644
7 Santa Clarita $1,595
8 Stockton $1,588
9 Fontana $1,581
10 Long Beach $1,578
11 Moreno Valley $1,536
12 Garden Grove $1,508
13 Fresno $1,502
14 Modesto $1,487
15 Riverside $1,482
16 Santa Ana $1,453
17 San Jose $1,437
18 Anaheim $1,430
19 Bakersfield $1,394
20 Fremont $1,389
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Rate information is approximated as the vehicle garaging location can affect insurance rates considerably.

Insuring your vehicle with the best insurance company can be a challenge considering how many different companies sell coverage in Irvine. The company information in the lists below can help you decide which companies to look at comparing rates from. The ratings below are for the largest auto insurers in America, so companies that may only write in California will not be included in these rankings.

Top 10 Large Auto Insurance Companies in Irvine Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

Top 10 Large Auto Insurance Companies in Irvine Ranked by A.M. Best Rating

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+

The chart below highlights how deductible choice can raise or lower insurance rates when getting quotes for cheap insurance for postal workers. The data assumes a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

The data above shows that a 40-year-old driver could lower rates by $492 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $738 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could lower their rates $1,640 or even more by choosing a larger deductible amount.

If you make the decision to raise deductibles, it is essential to have enough savings set aside to offset the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Safe drivers pay less for insurance

In a perfect world, the ideal way to earn low insurance prices in Irvine for postal employees is to be a careful driver and avoid accidents and keep your driving record clean. The information below demonstrates how citations and at-fault accidents influence annual premium costs for different age groups of insureds. The premiums assume a married male driver, full coverage, $100 deductibles, and no discounts are factored in.

The data above shows the average cost of a car insurance policy per year with no accidents or violations is $2,939. Get two speeding tickets and the average cost surges to $4,075, an increase of $1,136 each year. Now add two accidents along with the two speeding tickets and the yearly cost of insurance for postal workers increases to an average of $8,076. That’s an increase of $5,138, or $428 per month, just for not being a responsible driver!

A good deal can quickly turn bad

Irvine insurance rates are calculated based on many things that control the price of coverage. Simply turning a year older, filing a claim, or getting into an accident can trigger changes in premium that may make certain companies cheaper than others.

And not only may your rating factors change, but companies modify rates multiple times each year to adjust for gains or losses. Significantly higher losses may result in a rate increase, while lower claim expenses can produce cheaper Irvine car insurance rates.

The graph below shows which company has the cheapest car insurance in Irvine, CA for a 35-year-old male driver with no accidents or violations, and a decent credit rating. When comparing rates based on his current risk profile, USAA offers the most affordable car insurance rates in Irvine at $1,213 annually. This is $438 less than the average rate paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the remainder of the most affordable Irvine, CA auto insurance companies.

In this example, we will give the driver from the first example an at-fault accident, a lower credit score, and a few traffic violations. Because each company has their own formula for setting rates, analyzing rates could now result in a new list of the cheapest Irvine car insurance companies as shown below.

Grange now has the best car insurance rate in Irvine, CA with Mercury, Allstate, GEICO, and Progressive also being competitive. This shows why consumers need to take the time to compare lots of rates to find the most budget-friendly auto insurance quotes for postal workers.

Prices can be determined by many things and change dramatically, so the lowest-price company the last time you shopped your coverage around may now be an over-priced policy.