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.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$844|
|Hyundai Elantra SE Touring Station Wagon||$917|
|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
|Rank||Company||Cost Per Year|
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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
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Top 10 Large Car Insurance Companies 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%
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
Insurers 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:
- Esurance may have discounts that include multi-policy, paid-in-full, emergency road assistance, Switch & Save, safety device, online shopper, and anti-lock brakes.
- The Hartford may offer discounts for defensive driver, bundle, driver training, air bag, vehicle fuel type, good student, and anti-theft.
- AAA policyholders can earn discounts including good driver, AAA membership discount, pay-in-full, multi-policy, and multi-car.
- GEICO offers premium reductions for emergency military deployment, five-year accident-free, seat belt use, multi-vehicle, military active duty, good student, and anti-lock brakes.
- State Farm includes discounts for accident-free, multiple policy, good student, student away at school, safe vehicle, and anti-theft.
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 a121 – Tustin, CA 92780 – (714) 544-2558
Wells Fargo Insurance Services: Harper James
2030 Main St #700 – Irvine, CA 92614 – (949) 358-6100
Rich Stevens – State Farm Insurance Agent
4482 Barranca Pkwy #224 – Irvine, CA 92604 – (949) 552-6601