Who Has Cheap Auto Insurance for Safe Drivers in Irvine?

The vehicle model you are insuring is a large consideration that determines if you can find the best coverage for safe drivers. Vehicles with reasonable performance levels, excellent safety ratings, or a low likelihood of liability claims will cost much less to insure than higher performance models. The information below outlines auto insurance costs for a number of the most budget-friendly automobiles to insure.

Cheapest Vehicles to Insure in Irvine, CA
Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 2WD $844
Hyundai Elantra SE Touring Station Wagon $917
Toyota Prius $935
Honda CR-V EX 4WD $946
Chevrolet Malibu Hybrid $997
Jeep Grand Cherokee Laredo 2WD $1,006
Ford Explorer Limited AWD $1,016
Ford Focus SES 4-Dr Sedan $1,033
Honda Odyssey LX $1,047
Toyota Corolla XRS $1,070
Hyundai Sonata GLS 4-Dr Sedan $1,076
Chevrolet Silverado LTZ Crew Cab 4WD $1,070
Dodge Grand Caravan CV $1,072
GMC Sierra 3500HD SLT Extended Cab 2WD $1,088
Volkswagen Jetta S 4-Dr Sedan $1,093
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Table data does not factor in vehicle garaging location which can decrease or increase insurance rates substantially.

Looking at the rates, you can assume that vehicles like the Ford Escape, Hyundai Elantra, and Toyota Prius are going to be some of the less-costly vehicles to insure for good drivers.

Establishing which company offers the most affordable auto insurance rates for safe drivers requires a little more effort in order to find a policy that fits your budget. Every insurance company has a different process for setting rates, so let’s rank the most competitive auto insurance companies in Irvine.

Lowest Insurance Price Quotes for Safe Drivers

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Cheapest California car insurance ranked by price
Rank Company Cost Per Year
1 USAA $1,109
2 Century National $1,178
3 Wawanesa $1,181
4 CSAA $1,198
5 Nationwide $1,250
6 21st Century $1,366
7 Grange $1,491
8 Progressive $1,496
9 Mercury $1,503
10 Allstate $1,543
11 Allied $1,556
12 GEICO $1,559
13 The Hartford $1,575
14 MetLife $1,606
15 Unitrin $1,682
16 Esurance $1,739
17 State Farm $1,750
18 Travelers $1,842
19 Bristol West $1,849
20 Farmers $1,946
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USAA may have some of the most affordable car insurance rates in Irvine at around $1,109 annually. Century National, Wawanesa, CSAA, and Nationwide would also be considered some of the cheaper Irvine, CA auto insurance companies.

As shown in the rates above, if you are a customer of CSAA and switched to USAA, you might achieve an annual premium reduction of about $89. Insureds with Nationwide could save as much as $141 a year, and 21st Century policyholders might reduce rates by $257 a year.

If you want to see how much you could save, click here to begin a quote or click through to the companies below.

Understand that those estimates are averaged for all types of insureds and vehicles and are not factoring in an exact zip code location for safe drivers. So the auto insurance company that fits your situation best may not even be in the top 24 companies in the list above. That’s why you need to compare prices as often as possible using your own personal information and vehicle type.

Finding the highest-rated car insurance company is difficult considering how many different companies sell coverage in California. The company information shown next can help you decide which coverage providers to look at when comparing rate quotes.

The ratings below are for companies who write in the majority of U.S. states, so companies that focus mainly on California business are not included in the list. To compare prices from these companies and more, just click here.

Top 10 Large Car Insurance Companies in Irvine Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

Top 10 Large Car Insurance Companies in Irvine Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

The information below illustrates how your choice of deductibles can increase or decrease insurance premiums when quoting cheap insurance for safe drivers. The costs are based on a married female driver, comprehensive and collision coverage, and no discounts are applied.

A 40-year-old driver could cut expenses by $300 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $456 by switching to a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could roll back prices as much as $750 annually by using a higher deductible. When using a larger deductible, it’s a good idea to have additional funds squirreled away to enable you to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Get discount Irvine insurance

Auto insurance for good drivers in Irvine, CAInsurers that sell policies for safe drivers may provide special discounts that could lower prices by as much as 40% or more if you meet certain criteria. Popular auto insurance companies and some of the premium reductions they offer include:

The information below shows the difference between insurance prices with and without discounts applied to the rates. Data assumes a female driver, no accidents, no driving violations, California state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with claim-free, vehicle safety, anti-theft, homeowner, multiple policy, and multiple vehicle discounts applied. When taking advantage of discounts, theaverage amount saved on auto insurance for safe drivers is 28% or $608.

If you have questions and prefer to have a professional recommendation when shopping for the best coverage for good drivers, the agents below can probably help you determine which coverages are best.

To locate an Irvine auto insurance agent in your neighborhood, click the link after the list or click here to compare rates now.

Chris Barr – State Farm Insurance Agent
17802 Irvine Blvd a121Tustin, CA 92780(714) 544-2558

Wells Fargo Insurance Services: Harper James
2030 Main St #700Irvine, CA 92614(949) 358-6100

Rich Stevens – State Farm Insurance Agent
4482 Barranca Pkwy #224Irvine, CA 92604(949) 552-6601

View map of Irvine, CA insurance agents