What Insurance is Cheapest for Nurses in Irvine?

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.

Cheapest Vehicles to Insure in Irvine, CA
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
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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.

How much is car insurance in Irvine?
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
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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

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Cheapest California car insurance ranked by price
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
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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.

Irvine, CA Auto 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: Insure.com Best Car Insurance Companies

How to get discounts on Irvine insurance

Auto insurance for health professionals in Irvine, CAInsurers 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:

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.