The words “low-cost” and “insurance” really shouldn’t be used together, especially when you are searching for the cheapest coverage for nurses. To help control this cost, let’s lead off by showing you a few of the factors that impact car insurance rates, and come up with some ways to take the bite out of the next policy you buy.
The vehicle you are buying coverage for is one of the biggest factors when quoting the most economical auto insurance for nurses. Vehicles with high performance features, a lack of modern safety features, or a high likelihood of having liability claims will cost substantially more to insure than safer, lower-performance models.
The information below illustrates auto insurance costs for the most economical automobiles to insure.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $840 |
| Ford F-150 XLT Regular Cab 4WD | $942 |
| Ford Escape XLS 2WD | $961 |
| Ford Edge SE AWD | $976 |
| Chevrolet Impala LT | $994 |
| Jeep Grand Cherokee Laredo 4WD | $1,000 |
| Chevrolet Malibu LT | $1,015 |
| Honda Accord EX-L 4-Dr Sedan | $1,044 |
| Toyota Camry SE | $1,050 |
| Toyota Corolla LE | $1,044 |
| Volkswagen Jetta SE 4-Dr Sedan | $1,065 |
| Hyundai Sonata SE 4-Dr Sedan | $1,115 |
| Honda Odyssey EX W/Rear Entertainment | $1,117 |
| Ford Focus SE 4-Dr Sedan | $1,122 |
| Hyundai Elantra SE Touring Station Wagon | $1,119 |
| GMC Sierra SL Extended Cab 2WD | $1,140 |
| Toyota RAV4 Sport 2WD | $1,147 |
| Toyota Prius | $1,144 |
| Dodge Ram Crew Cab Laramie 2WD | $1,155 |
| Dodge Grand Caravan SE | $1,162 |
| Start a Quote Go | |
Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Table data does not factor in specific Irvine, CA garaging location which can decrease or increase insurance rates greatly.
Looking at the numbers, you can presume that models like the Honda CR-V, Ford F-150, Ford Escape, and Ford Edge will be a few of the cheaper vehicles to insure for health professionals.
For health professionals, one of the more important considerations that aid in calculating the annual cost of car insurance is your zip code in Irvine. Areas with increased crime or more people tend to pay more, whereas areas that tend to be more rural get the luxury of paying less.
The next table rates the highest-priced areas in California for nurses to buy car insurance in. Irvine ranks #21 with an annual cost of $1,371 for coverage, which is approximately $114 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,083 |
| 3 | Oakland | $1,738 |
| 4 | San Francisco | $1,693 |
| 5 | Sacramento | $1,652 |
| 6 | San Bernardino | $1,628 |
| 7 | Fontana | $1,581 |
| 8 | Santa Clarita | $1,580 |
| 9 | Long Beach | $1,578 |
| 10 | Garden Grove | $1,570 |
| 11 | Stockton | $1,556 |
| 12 | Moreno Valley | $1,506 |
| 13 | Modesto | $1,502 |
| 14 | Riverside | $1,482 |
| 15 | Fresno | $1,472 |
| 16 | Santa Ana | $1,439 |
| 17 | Anaheim | $1,430 |
| 18 | Huntington Beach | $1,402 |
| 19 | San Jose | $1,395 |
| 20 | Bakersfield | $1,381 |
| 21 | Irvine | $1,371 |
| 22 | San Diego | $1,368 |
| 23 | Fremont | $1,361 |
| 24 | Chula Vista | $1,350 |
| 25 | Oxnard | $1,304 |
| Start a Quote Go | ||
Rates are approximated as zip code location can increase or decrease prices noticeably.
Shopping around for budget auto insurance is hard enough, and finding out which companies offer the most affordable auto insurance rates for nurses takes more quotes for comparison.
Each company uses a different method to set policy rates, so we’ll go over the auto insurance companies with the most affordable rates in Irvine, CA.
Cheapest Insurance Rates for Health Occupations
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,181 |
| 3 | Nationwide | $1,213 |
| 4 | Century National | $1,214 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,433 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,503 |
| 10 | GEICO | $1,513 |
| 11 | Allied | $1,541 |
| 12 | Progressive | $1,542 |
| 13 | The Hartford | $1,575 |
| 14 | MetLife | $1,606 |
| 15 | Unitrin | $1,682 |
| 16 | Esurance | $1,688 |
| 17 | State Farm | $1,699 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $2,026 |
| Find Cheaper Rates Go | ||
USAA offers some of the lowest car insurance rates in Irvine at around $1,143 per year. Wawanesa, Nationwide, Century National, and CSAA also are some of the best Irvine, CA auto insurance companies.
As shown in the table above, if you are a policyholder with CSAA and switched to Wawanesa, you could see an annual premium reduction of around $53. Insureds with 21st Century might save as much as $185 a year, and Grange policyholders might realize rate reductions of up to $252 a year.
Bear in mind that those premium estimates are averages for all drivers and vehicles and are not factoring in a specific location for nurses. So the auto insurance company that can offer you the best rate may not even be in the top 24 companies shown above. That illustrates why you need to get auto insurance quotes using your own specific driver and vehicle information.
California auto insurance companies
Picking the top company can be challenging considering how many different companies sell coverage in Irvine. The rank data shown below may help you select which companies to look at shopping your coverage with. The rankings below are only made up of the largest auto insurers in America, so companies that only write business in California or surrounding areas are not factored into the list.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How to get discounts on Irvine insurance
Insurers that provide policies for nurses may also give you policy discounts that could potentially reduce rates by 25% or more if you qualify. A list of auto insurance companies and some of their more popular discounts include:
- State Farm includes discounts for Steer Clear safe driver discount, passive restraint, driver’s education, good driver, and anti-theft.
- GEICO offers premium reductions for driver training, federal employee, multi-policy, military active duty, and five-year accident-free.
- Allstate discounts include 55 and retired, eSmart discount, anti-lock brakes, premier plus, new car, farm vehicle, and anti-theft.
- SAFECO offers discounts for drive less, homeowner, anti-lock brakes, safe driver, multi-car, and bundle discounts.
- Farm Bureau policyholders can earn discounts including multi-vehicle, good student, renewal discount, youthful driver, 55 and retired, multi-policy, and safe driver.
- Progressive may offer discounts for multi-vehicle, online signing, good student, multi-policy, online quote discount, homeowner, and continuous coverage.
- AAA has discounts for anti-theft, AAA membership discount, multi-policy, education and occupation, pay-in-full, good student, and multi-car.
The diagram below shows the difference between insurance premiums with and without some available policy discounts. Data assumes a male driver, no claims 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 lower bar shows the rates with claim-free, vehicle safety, homeowner, passive restraint, marriage, and accident-free discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on auto insurance for nurses is 28% or $640.
Full coverage versus liability only rates
Paying a lower price for auto insurance is important to the majority of drivers, and a good way to find cheap insurance for nurses is to not pay for full coverage. The chart below compares auto insurance costs with liability coverage only compared to full coverage. The prices are based on no accidents or driving violations, $250 deductibles, marital status is single, and no discounts are taken into consideration.
If all age groups are averaged, comprehensive and collision coverage on your policy costs an additional $2,314 per year over and above liability coverage. Lot’s of drivers question when is the right time to remove full coverage. There is no clear-cut rule of when to drop full coverage, but there is a guideline you can consider. If the yearly cost of full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.