Who Has Cheap Auto Insurance Rates for a 20 Year Old Male in Irvine?

The words “low-priced” and “insurance” probably shouldn’t be used in the same sentence, specifically when shopping around for the cheapest coverage for 20 year old guys. Because it’s so expensive, let’s open your eyes to some of the factors that have an effect on insurance premiums, and see if you can reduce the price of your next policy.

One of the many components that are looked at to determine the amount you pay for auto insurance is where you choose to live in Irvine. Areas with more people or higher crime rates tend to pay slightly more, whereas more rural areas have the luxury of lower rates.

The table below rates the most expensive places in California for 20 year old guys to purchase car insurance in. Irvine is ranked #19 costing $1,371 for car insurance, which is about $114 each month.

How much does car insurance cost in Irvine, CA?
Rank City Annual Rate
1 Glendale $2,121
2 Los Angeles $2,104
3 San Francisco $1,745
4 Oakland $1,704
5 Sacramento $1,703
6 San Bernardino $1,596
7 Fontana $1,581
8 Long Beach $1,578
9 Stockton $1,556
10 Modesto $1,547
11 Santa Clarita $1,533
12 Garden Grove $1,524
13 Moreno Valley $1,506
14 Santa Ana $1,483
15 Riverside $1,482
16 Fresno $1,472
17 Anaheim $1,430
18 San Jose $1,381
19 Irvine $1,371
20 Fremont $1,361
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Information shown are estimated as specific location information can decrease or increase coverage rates considerably.

Comparing rates for cost effective auto insurance is not the easiest thing to accomplish, and deciding which companies quote the cheapest insurance rates for 20 year old guys will involve even more shopping around.

Every car insurance company uses different criteria for determining rates, so to begin we’ll rank the insurance companies that tend to have lower prices in Irvine, CA.

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Rankings for the cheapest California auto insurance companies
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,157
3 CSAA $1,222
4 Nationwide $1,226
5 Century National $1,226
6 21st Century $1,379
7 Grange $1,433
8 Progressive $1,496
9 Allstate $1,497
10 Mercury $1,503
11 GEICO $1,513
12 The Hartford $1,575
13 Allied $1,588
14 MetLife $1,638
15 Esurance $1,739
16 Unitrin $1,750
17 State Farm $1,750
18 Bristol West $1,777
19 Travelers $1,860
20 Farmers $1,946
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USAA has some of the lowest car insurance rates in Irvine at around $1,143 per year. Wawanesa, CSAA, Nationwide, and Century National also rank well as some of the most economical Irvine, CA car insurance companies.

As shown in the rates above, if you currently buy coverage from Wawanesa and switched to USAA, you might realize an annual savings of in the neighborhood of $14. Policyholders with CSAA might save as much as $79 a year, and Nationwide customers might reduce prices by as much as $83 a year.

To see if you’re overpaying, click here to start your custom quote or quote prices from the following companies.

Remember that these rates are averaged for all types of insureds and vehicles and are not factoring in an exact location for 20 year old guys. So the company that can offer the best rates for your situation may not even be in the top 24 companies in the list above. That is why you need to compare as many prices as possible using your own specific driver information and vehicle.

The illustration below demonstrates how choosing different deductibles can raise or lower insurance costs when researching cheap insurance for 20 year old guys. The information is based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.

The data above shows that a 30-year-old driver could lower their policy premium by $544 a year by changing from a $100 deductible up to a $500 deductible, or save $816 by switching to a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could save as much as $1,216 or more by choosing a higher deductible.

If you do raise deductibles, it is essential to have additional savings on hand to satisfy the extra out-of-pocket expense that is associated with using high deductibles.

Get discount Irvine insurance

Save on insurance for young men in IrvineInsurance companies that sell policies for 20 year old guys may additionally offer premium discounts that could lower prices by as much as 30% if you qualify for them. A few popular companies and a selection of discounts are:

The chart below illustrates the comparison of auto insurance rates with and without discounts applied to the policy rates. Data assumes a female driver, no claims, a clean driving record, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with anti-theft, paid-in-full, passive restraint, paperless filing, vehicle safety, and good student discounts applied. When taking advantage of discounts, the average savings per year on insurance for 20 year old guys is 22% or $506.

Why you should be shopping around

Irvine insurance rates are determined by lots of factors which can significantly increase or decrease the policy price. Simply having a birthday, increasing deductibles, or getting a few speeding tickets may generate price changes that may make certain companies more affordable than competitors. In addition, auto insurance companies change the rates they charge in California at least once a year as an adjustment for underwriting gains or losses. Unexpectedly high claims can result in additional price hikes, while long-term profits may produce cheaper Irvine car insurance rates.

The bar chart below shows the cheapest car insurance in Irvine, CA for a 30-year-old female driver with no prior accidents, a clean driving record, and good credit. If we estimate rates based on her personal risk profile, USAA might quote the cheapest car insurance rates in Irvine at $1,137 per year. This is $514 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remainder of the best Irvine, CA auto insurance companies.

Now we will give the driver from above an at-fault accident, a little lower credit rating, and a speeding citation. Since each auto insurance company uses a different method for determining rates, analyzing rates may result in a new list of companies as shown below.

Grange now has the lowest price in Irvine, CA with Mercury, Progressive, Allstate, and GEICO now being in the top five. This illustrates why consumers need to take the time to compare lots of rates when trying to find the cheapest car insurance rates for 20 year old guys. Rates can be determined by many factors and change substantially, so the cheapest company six months ago may now be priced much higher than other options.

How to find more affordable auto insurance for 20 year old guys

The list below details some of the recommended penny-pinching ideas that can help Irvine drivers locate lower-cost coverage.

The last idea is particularly significant, as we stressed in this write-up. Insurance rates in Irvine fluctuate considerably, so drivers shouldn’t hesitate to buy from a different company if a better rate can be found. Being loyal to a particular company is commendable, but it isn’t a good idea if that dedication is costing money that could be going to better use. Now is a great time to shop around to find cheaper insurance for 20 year old guys.