Locating low-cost auto insurance is not always easy, and figuring out which companies offer the lowest-priced insurance rates for good drivers requires additional perseverance. Each auto insurer has a proprietary method for establishing rates, so first let’s look at the rankings for the most affordable insurance companies in California.
It’s important that you understand California insurance rates are impacted by many factors which can substantially change the cost of a policy. This price variation is why consumers need to take the time to shop around when trying to find the lowest auto insurance quotes for good drivers. Insurance rates are calculated by many things and change frequently, so the most economical company when you bought your policy may now be one of the higher cost companies.
Find the Best Cheap Insurance for Good Drivers
|Rank||Company||Cost Per Year|
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USAA may offer some of the cheapest car insurance rates in Irvine at around $1,143 each year. Wawanesa, CSAA, Century National, and Nationwide would also be considered some of the most economical Irvine, CA insurance companies.
In the above example, if you currently have a policy with Century National and switched to USAA, you might realize annual savings of about $71. Customers with Nationwide might save as much as $120 a year, and 21st Century insureds might see rate reductions of $182 a year.
To compare your rates to other California insurance companies, click here to begin a quote or click through to the companies below.
Understand that those estimates are averages across all types of drivers and the different vehicles they drive and do not take into consideration an exact zip code location for good drivers. So the insurer that has the cheapest price for you may not even be in the top 24 companies in the list above. That illustrates why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.
The car, truck, or SUV on the policy is probably the biggest factor when comparing low-priced coverage for good drivers. Vehicles with average performance, advanced safety features, or low incidents of liability claims will cost significantly less to insure than adrenaline junky models. The data below showcases insurance costs for some of the most economical automobiles to insure.
|Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V EX 4WD||$888|
|Ford Escape XLS 4WD||$951|
|Jeep Grand Cherokee Laredo 2WD||$1,027|
|Toyota RAV4 Limited 2WD||$1,033|
|Toyota Camry LE||$1,027|
|Hyundai Elantra GLS 4-Dr Sedan||$1,082|
|Chevrolet Impala LTZ||$1,087|
|Toyota Corolla XRS||$1,100|
|Hyundai Sonata GLS 4-Dr Sedan||$1,110|
|Volkswagen Jetta SE 4-Dr Sedan||$1,100|
|Toyota Tacoma 4WD||$1,105|
|Chevrolet Equinox LT 2WD||$1,126|
|Dodge Grand Caravan Crew||$1,149|
|Chevrolet Malibu LT||$1,158|
|Honda Accord LX-S 2-Dr Coupe||$1,155|
|GMC Sierra SL Extended Cab 2WD||$1,159|
|Chevrolet Silverado LS Crew Cab 2WD||$1,174|
|Ford Fusion Sport AWD 4-Dr Sedan||$1,178|
|Ford Explorer Limited AWD||$1,187|
|Honda Odyssey EX-L W/Navigation||$1,189|
|Ford Edge Sport 2WD||$1,196|
|Kia Optima LX||$1,203|
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Table data represents 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, homeowner, claim-free, and multi-vehicle. Rate information does not factor in vehicle location which can impact insurance rates substantially.
Based upon the rates shown, we can conclude that cars like the Honda CR-V, Ford Escape, and Jeep Grand Cherokee should be a few of the less-costly vehicles to insure for safe drivers.
For safe drivers, one of the more important factors that determine auto insurance rates is where your residence is in Irvine. More densely populated places will most likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive cheaper rates.
The following table sorts the highest-priced areas in California for good drivers to buy auto insurance in. Irvine is ranked at #22 with an annual cost of $1,371 for coverage, which is about $114 each month.
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Prices are approximated as the specific geographic location can raise or lower price quotes noticeably.
Cost difference between full coverage and liability
Finding cheaper insurance should be important to most drivers, and one of the best ways to pay lower rates for insurance for good drivers is to not buy full coverage. The example below illustrates the comparison of auto insurance costs when comparing full coverage to liability only. The information is based on no claims or driving violations, $500 deductibles, drivers are single, and no discounts are applied to the premium.
On average, full coverage costs an extra $2,075 per year more than just buying liability insurance. At some point, about every driver wonders when is the right time to remove full coverage. There is no definitive rule for eliminating physical damage insurance, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let’s assume your vehicle’s claim settlement value is $10,500 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $9,500 after the deductible is paid. If it’s costing you more than $950 a year for full coverage, then it might be time to buy liability only.
There are some scenarios where removing full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.
California insurance companies ranked
Insuring your vehicle with a high-quality insurance provider can be rather challenging considering how many companies sell insurance in Irvine. The company ratings below can help you select which auto insurers to look at when trying to find cheaper insurance for good drivers. These ratings are for companies who write in the majority of U.S. states, so companies that focus mainly on California business are not taken into consideration for the list.
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%
Compare rates to save
Irvine, CA insurance rates are determined by lots of factors that can increase the cost of your policy. Improving your credit rating, buying a new vehicle, or getting a reckless driving citation may cause policy rate changes that can make some companies cheaper in comparison to the competition. Not only may your risk profile change, but car insurance companies file new rates multiple times each year in order to be able to pay unexpected claims. Significantly higher claims may cause higher rates, while a lower level of claims may produce cheaper Irvine car insurance rates.
For example, the chart below analyzes the cheapest car insurance in Irvine, CA for a 30-year-old male driver with no accidents, a clean driving record, and a decent credit rating. When quoting prices based on his personal risk profile, USAA may offer the lowest car insurance rates in Irvine at $1,177 annually. This is $474 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also on the list of the top five cheapest Irvine, CA auto insurance companies.
The next chart shows rates after we give the driver from the first set of rates a chargeable accident, poor credit, and a traffic ticket or two. Due to the fact that every insurance company uses their own method for determining prices, analyzing rate quotes may now present a substantially altered list of the cheapest Irvine car insurance companies as shown below.
Grange now has the lowest price on auto insurance in Irvine, CA with GEICO, Mercury, Allied, and Progressive also having competitive pricing. This demonstrates why California drivers need to compare many different companies when trying to get affordable insurance rates for good drivers. Insurance prices are made up of many things and change substantially, so the cheapest option the last time you checked may now be one of the higher cost companies.
How to find economical insurance for good drivers
Lowering your rates is not difficult, and here are a few money-saving ideas that can help California drivers buy lower-cost auto insurance.
- Vehicles with good safety ratings are usually cheaper to insure
- Do not waste money insuring older vehicles for full coverage
- Improve your credit score
- Drive attentively and avoid accidents
- Keep your driving record clean
- Increase your deductibles
- Shop around for lower rates once a year
The last suggestion is especially necessary, as was discussed in the article above. Coverage prices change a lot, so drivers shouldn’t be reluctant to buy from a new company if you find a better deal. Many drivers tend to have loyalty to a certain company, but it’s not recommended if that inflexibility results in costing you lots of money. Take a few minutes and compare prices to find cheaper car insurance for good drivers in Irvine.
The Irvine car insurance agencies listed below are willing to help you make a decision which auto insurance policy fits you best, since some drivers have questions and prefer to get some professional advice when comparing insurance rates for good drivers. It can be time-consuming to find the cheapest rates, so getting advice from a licensed agent can add comfort knowing your policy gives you suitable coverage if you have an accident.
To locate an agency using an interactive map, click the button below the list.
John Luithly – State Farm Insurance Agent
16277 Laguna Canyon Rd F – Irvine, CA 92618 – (949) 727-4442
Tustin Insurance Agency
17621 Irvine Blvd #112 – Tustin, CA 92780 – (714) 838-1704
Ray Vermeulen – State Farm Insurance Agent
2151 Michelson Dr #242 – Irvine, CA 92612 – (949) 752-6335
Farmers Insurance – Berdy Gonzalez-Lubnau
41 Corporate Park #240 – Irvine, CA 92606 – (714) 263-2623