The vehicle you are buying coverage for is a significant factor when comparing the best car insurance for used cars. Vehicles with more horsepower, a lack of advanced safety features, or a high likelihood of having liability claims will cost much more to insure than more modest models. The information below showcases auto insurance prices for a selection of the most cost-effective vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $834 |
| Hyundai Elantra SE Touring Station Wagon | $906 |
| Ford Escape XLS 4WD | $943 |
| Ford Focus SE 4-Dr Sedan | $970 |
| Volkswagen Jetta LE 4-Dr Sedan | $989 |
| Chevrolet Equinox LT 2WD | $999 |
| Toyota Camry LE | $989 |
| Toyota Prius | $1,015 |
| Dodge Grand Caravan CV | $1,022 |
| Honda Odyssey EX W/Rear Entertainment | $1,059 |
| Ford Explorer Eddie Bauer 2WD | $1,061 |
| Toyota RAV4 4WD | $1,081 |
| Jeep Grand Cherokee Laredo 2WD | $1,086 |
| Chevrolet Malibu Hybrid | $1,081 |
| Ford Edge SE AWD | $1,087 |
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Price information does not factor in zip code location which can raise or lower coverage rates significantly.
Looking at the data, we can infer that models like the Honda CR-V, Hyundai Elantra, and Ford Escape are going to be a few of the most budget-friendly vehicles to insure for pre-owned vehicles.
One of the more important factors that are looked at to help calculate the cost of insurance is where you keep your car. Cities with larger populations tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive cheaper rates.
The illustration below rates the highest-priced places in California for used cars in which to purchase auto insurance. Irvine comes in at #20 with a yearly cost of $1,384 on average, which is approximately $115 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,142 |
| 3 | San Francisco | $1,711 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,669 |
| 6 | Long Beach | $1,626 |
| 7 | San Bernardino | $1,596 |
| 8 | Santa Clarita | $1,595 |
| 9 | Fontana | $1,566 |
| 10 | Stockton | $1,556 |
| 11 | Moreno Valley | $1,551 |
| 12 | Garden Grove | $1,508 |
| 13 | Modesto | $1,502 |
| 14 | Riverside | $1,482 |
| 15 | Fresno | $1,457 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,430 |
| 18 | San Jose | $1,395 |
| 19 | Fremont | $1,389 |
| 20 | Irvine | $1,384 |
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Annual rates are comparative as specific Irvine garaging address can alter rates noticeably.
How to get discounts on Irvine car insurance
Car insurance companies that sell policies for used cars may also give you premium discounts that could potentially reduce rates by 40% or more if you qualify. Popular car insurance companies and their possible discounts can be found below.
- Progressive has savings for online quote discount, continuous coverage, online signing, good student, multi-vehicle, and multi-policy.
- MetLife includes discounts for good student, defensive driver, good driver, claim-free, accident-free, multi-policy
- Mercury Insurance may include discounts for anti-theft, good driver, multi-policy, annual mileage, professional/association, accident-free, and multi-car.
- Nationwide policyholders can earn discounts including easy pay, Farm Bureau membership, business or organization, multi-policy, family plan, defensive driving, and good student.
- GEICO offers premium reductions for five-year accident-free, seat belt use, anti-theft, air bags, driver training, daytime running lights, and membership and employees.
- AAA offers discounts including good driver, multi-car, education and occupation, pay-in-full, anti-theft, AAA membership discount, and multi-policy.
The illustration below shows the comparison of auto insurance costs with and without discounts applied to the premium. The prices are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple vehicle, anti-theft, safe-driver, passive restraint, claim-free, and vehicle safety discounts applied. When these discounts are applied, the average savings per year on car insurance for used cars is 28% or $863.
Best car insurance in Irvine
Buying coverage from a highly-rated insurance provider is hard considering how many different insurance companies sell coverage in Irvine. The ranking information shown next may help you analyze which car insurance companies to look at comparing prices from. The rankings below are for companies who write in the majority of U.S. states, so smaller companies are not included in this list.
Top 10 Major Auto Insurers in Irvine Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Top 10 Major Auto Insurers in Irvine Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Low rates can quickly become overpriced
Irvine, CA car insurance rates are impacted by many factors that can increase the cost of a policy. Simply having a birthday, buying another vehicle, or having a fender bender can cause premium changes that can make some companies cheaper than before. Additionally, auto insurance companies file new California auto insurance rates as often as every three months in order to be able to pay unexpected claims. A period of higher than normal claims may result in more expensive premiums, while a better loss history may produce cheaper Irvine car insurance rates.
To help illustrate this point, the bar chart below shows the company with the cheapest car insurance in Irvine, CA for a 35-year-old female driver with no prior accidents, a clean driving record, and a good credit rating. When comparing rates based on her current risk profile, USAA has the best car insurance rates in Irvine at $1,142 a year. This is $509 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the top five cheapest Irvine, CA auto insurance companies.
The next chart shows rates after we give the driver from the first rate comparison a chargeable accident, bad credit, and a stop sign violation. Due to the fact that every insurance company has a unique approach for determining rates in each state, getting updated rate quotes may now present a slightly different list of companies as shown below.
Grange now has the best insurance rate in Irvine, CA with Mercury, Progressive, Allstate, and GEICO completing the list. This example illustrates why California drivers need to shop around when trying to get the most budget-friendly auto insurance rates for used cars.
Car insurance prices are impacted by many risk factors and change substantially, so the cheapest rate when you bought your policy may now not even be in the top five.