One of the more important criteria that are looked at to determine the amount you pay each year for auto insurance is where you live. Regions with larger populations or more claims tend to have higher rates, whereas areas that tend to be more rural have the benefit of cheaper car insurance.
The next table shows the highest-priced places in California for high mileage drivers to buy car insurance in. Irvine is ranked #20 with the yearly price of $1,384 for coverage, which is approximately $115 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,763 |
| 4 | Sacramento | $1,720 |
| 5 | Oakland | $1,687 |
| 6 | San Bernardino | $1,644 |
| 7 | Fontana | $1,566 |
| 8 | Long Beach | $1,562 |
| 9 | Stockton | $1,556 |
| 10 | Garden Grove | $1,554 |
| 11 | Moreno Valley | $1,536 |
| 12 | Santa Clarita | $1,533 |
| 13 | Riverside | $1,527 |
| 14 | Santa Ana | $1,497 |
| 15 | Anaheim | $1,488 |
| 16 | Modesto | $1,487 |
| 17 | Fresno | $1,457 |
| 18 | Huntington Beach | $1,402 |
| 19 | San Jose | $1,395 |
| 20 | Irvine | $1,384 |
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Prices are estimated as specific Irvine zip code can alter prices substantially.
The vehicle model needing coverage is one of the biggest factors that determines whether or not you can buy economical car insurance for high mileage drivers. Vehicles with higher performance, poor crash test ratings, or a history of substantial liability claims will cost much more to insure than more modest models. The data below showcases auto insurance premiums for some of the more affordable automobiles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $844 |
| Honda CR-V EX 2WD | $923 |
| Ford Escape XLT 2WD | $931 |
| Dodge Grand Caravan SE | $944 |
| Ford Focus S 4-Dr Sedan | $979 |
| Hyundai Elantra SE Touring Station Wagon | $1,006 |
| Ford Explorer Eddie Bauer AWD | $1,016 |
| Ford F-150 XLT Super Cab 2WD | $1,033 |
| Ford Edge Sport AWD | $1,051 |
| Toyota Prius | $1,055 |
| GMC Sierra SLE Crew Cab 4WD | $1,070 |
| Nissan Rogue SL 2WD | $1,080 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,072 |
| Chevrolet Silverado LS Regular Cab 2WD | $1,086 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,093 |
| Chevrolet Equinox LT 2WD | $1,100 |
| Chevrolet Impala LS | $1,101 |
| Dodge Ram Quad Cab ST 2WD | $1,109 |
| Chevrolet Malibu LT | $1,113 |
| Toyota Camry LE | $1,126 |
| Toyota RAV4 Sport 2WD | $1,136 |
| Kia Optima EX | $1,142 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,147 |
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Estimates do not factor in Irvine, CA location which can revise premiums noticeably.
Looking at the rates, you can presume that cars like the Honda Accord, Honda CR-V, Ford Escape, and Dodge Grand Caravan should be some of the most budget-friendly vehicles to insure for high mileage drivers.
How violations and accidents impact rates
The recommended way to snag the best insurance rates in Irvine for high mileage drivers is to be a safe driver and avoid accidents and traffic violations. The information below demonstrates how speeding tickets and accident claims raise insurance costs for different age categories. The data assumes a married female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
The data charted above shows the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,882. Get written up for one speeding ticket and the average cost increases to $2,200, an increase of $318 each year. Now add in one accident along with the one speeding ticket and the annual cost of insurance for high mileage drivers goes up to an average of $3,091. That’s an increase of $1,209, or $101 per month, just for not paying attention while driving!
Comparison of full coverage and liability-only policies
Saving money on insurance is important to the majority of vehicle owners, and one of the easiest ways to buy cheap insurance for high mileage drivers is to not buy full coverage. The chart below visualizes the comparison of annual premium costs with full physical damage coverage and with liability coverage only. The information is based on no driving violations, no at-fault accidents, $500 deductibles, drivers are not married, and no policy discounts are applied.
If we average the cost for all age groups, full coverage on your policy costs an extra $2,075 per year more than just buying liability only. That amount may make you wonder if buying full coverage is a good investment. There is no specific rule of when to drop physical damage coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your vehicle’s settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $5,000 after you pay the deductible. If you are paying in excess of $500 a year for full coverage, then you may need to consider dropping full coverage.
Discounts on Irvine car insurance
Auto insurance companies that offer cheap quotes for high mileage drivers may also offer discounts that could potentially reduce rates by as much as 35% or more if you are eligible to receive them. Popular insurance companies and some of the premium reductions they offer include:
- State Farm has savings for good driver, multiple autos, Drive Safe & Save, safe vehicle, and multiple policy.
- Farmers Insurance may include discounts for teen driver, homeowner, electronic funds transfer, switch companies, distant student, and bundle discounts.
- Progressive offers discounts including online quote discount, homeowner, online signing, multi-vehicle, continuous coverage, and good student.
- GEICO has discounts for membership and employees, federal employee, air bags, anti-lock brakes, and good student.
- Auto-Owners Insurance may have discounts that include air bags, mature driver, paid in full, safe driver, group or association, company car, and paperless.
- The Hartford discounts include driver training, anti-theft, air bag, vehicle fuel type, and good student.
- Farm Bureau offers discounts for 55 and retired, driver training, safe driver, renewal discount, good student, multi-policy, and multi-vehicle.
- USAA offers premium reductions for good student, defensive driver, driver training, new vehicle, loyalty savings, and annual mileage.
The diagram below shows the comparison of yearly insurance costs with and without discounts. The data is based on a male driver, no accidents or driving violations, California state minimum liability limits, comprehensive and collision 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 accident-free, claim-free, anti-theft, vehicle safety, multiple vehicle, and passive restraint discounts applied. With discounts applied, theaverage yearly reduction on insurance for high mileage drivers is 28% or $640.