The make and model of vehicle driven is one of the primary factors when trying to find the best insurance for drivers with a DUI. Vehicles with high performance, poor crash test ratings, or a history of substantial liability claims will cost substantially more to insure than more modest models. The information below estimates car insurance prices for some of the cheaper automobiles to buy coverage for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $1,273 |
| Ford Escape XLT 4WD | $1,301 |
| Ford Focus S 4-Dr Sedan | $1,482 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,491 |
| Volkswagen Jetta 2.0T Station Wagon | $1,499 |
| Toyota Camry LE | $1,510 |
| Toyota Prius | $1,544 |
| Ford F-150 XL Super Cab 4WD | $1,563 |
| GMC Sierra SL Extended Cab 2WD | $1,644 |
| Toyota RAV4 Limited 4WD | $1,649 |
| Dodge Ram Quad Cab ST 4WD | $1,646 |
| Honda Civic EX-L 4-Dr Sedan | $1,678 |
| Ford Explorer Limited 4WD | $1,680 |
| Toyota Tacoma Double Cab 4WD | $1,685 |
| Dodge Grand Caravan SXT | $1,680 |
| Honda Accord LX-S 2-Dr Coupe | $1,700 |
| Hyundai Elantra SE 4-Dr Sedan | $1,704 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,725 |
| Chevrolet Silverado LT Regular Cab 2WD | $1,734 |
| Honda Odyssey EX-L W/Navigation | $1,727 |
| Ford Edge Sport AWD | $1,733 |
| Chevrolet Impala LTZ | $1,727 |
| Chevrolet Malibu LTZ | $1,734 |
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Data variables include single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in garaging location in Irvine, CA which can revise price quotes considerably.
By looking at the data, you can expect vehicles like the Honda CR-V, Ford Escape, Ford Focus, Jeep Wrangler, and Volkswagen Jetta are most likely going to be a few of the most budget-friendly vehicles to insure after getting a DUI. The cost of auto insurance will tend to be more expensive just because there is more exposure for drivers with a DUI, but in general those specific models will have the cheapest auto insurance rates compared to other types of vehicles.
One of the more important things that aid in calculating the price you pay for insurance is where you keep your vehicle. Regions with more people or even just more weather-related claims will most likely pay more, whereas areas that tend to be more rural can boast about having cheaper rates.
The illustration below rates the highest-priced areas in California for drivers with a DUI to buy car insurance in. Irvine ranks #22 costing $1,343 for the average policy, which is around $112 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Glendale | $2,121 |
| 2 | Los Angeles | $2,104 |
| 3 | Oakland | $1,738 |
| 4 | Sacramento | $1,720 |
| 5 | San Francisco | $1,693 |
| 6 | Long Beach | $1,626 |
| 7 | San Bernardino | $1,596 |
| 8 | Fontana | $1,566 |
| 9 | Modesto | $1,547 |
| 10 | Riverside | $1,542 |
| 11 | Stockton | $1,541 |
| 12 | Santa Clarita | $1,533 |
| 13 | Garden Grove | $1,508 |
| 14 | Moreno Valley | $1,506 |
| 15 | Santa Ana | $1,497 |
| 16 | Anaheim | $1,488 |
| 17 | Fresno | $1,472 |
| 18 | San Jose | $1,395 |
| 19 | San Diego | $1,381 |
| 20 | Fremont | $1,361 |
| 21 | Huntington Beach | $1,360 |
| 22 | Irvine | $1,343 |
| 23 | Bakersfield | $1,340 |
| 24 | Chula Vista | $1,337 |
| 25 | Oxnard | $1,304 |
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Rate information is approximated as vehicle location can influence coverage rates greatly.
Establishing which companies offer the best insurance rates for drivers with a DUI takes a little more work in order to find the most economical policy. Every car insurance company has a proprietary method to establish rates, so let’s rank the insurance companies that tend to be cheaper in Irvine.
It’s a good idea to know that Irvine insurance rates are impacted by many factors that control the price of coverage. Simply turning a year older, getting divorced, or getting into an accident may generate price changes that can cause some rates to be cheaper than before.
Find Cheaper Auto Insurance after a DUI
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,157 |
| 3 | CSAA | $1,186 |
| 4 | Century National | $1,214 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,433 |
| 8 | Progressive | $1,496 |
| 9 | Allstate | $1,497 |
| 10 | Mercury | $1,548 |
| 11 | Allied | $1,556 |
| 12 | GEICO | $1,575 |
| 13 | The Hartford | $1,591 |
| 14 | MetLife | $1,606 |
| 15 | Unitrin | $1,699 |
| 16 | Esurance | $1,739 |
| 17 | State Farm | $1,750 |
| 18 | Travelers | $1,806 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $1,946 |
| Quote Your Rates Go | ||
USAA generally has some of the lowest car insurance rates in Irvine at around $1,109 a year. Wawanesa, CSAA, Century National, and Nationwide would also make the list of some of the cheapest Irvine, CA car insurance companies.
As shown in the table above, if you buy coverage from Century National and switched to USAA, you could earn a yearly savings of about $105. Customers with Nationwide may save as much as $117 a year, and 21st Century policyholders might see rate reductions of $216 a year.
Bear in mind that those estimates are averages across all insureds and vehicles and and are not figured with a specific location for drivers with a DUI. So the auto insurance company that can offer the best rates for your situation may not even be in the top 24 companies in the list above. That point stresses why you need to get quotes using your own specific driver information and vehicle.
Careless drivers pay higher rates
The easiest way to snag the cheapest insurance rates after getting a DUI is to be a safe driver and have a clean driving record. The chart below demonstrates how speeding tickets and accidents impact annual premium costs for each age group. The rate quotes are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.
In the prior example, the average cost of auto insurance per year with no accidents or violations is $1,418. Factor in one speeding ticket and the average cost rises to $1,657, an increase of $239 each year. Then throw in two accidents along with the one speeding ticket and the annual cost of insurance for drivers with a DUI jumps again to an average of $3,897. That’s an increase of $2,480, or $207 per month, just for not driving carefully!
Insurance company ratings
Ending up with a high-quality car insurance company is difficult considering how many companies sell insurance in California. The ranking data shown next may help you select which auto insurers you want to consider buying from.
These ratings include companies that insure vehicles across America, so smaller companies that only insure vehicles in California are not included in the list. To compare rates and find cheaper insurance for drivers with a DUI, click here.
| 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 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Can you find cheaper Irvine car insurance?
Irvine insurance rates are calculated based on many things which can significantly increase or decrease the cost of coverage. Simply turning a year older, getting divorced, or getting a ticket for careless driving can trigger price changes resulting in some rates now being more affordable than competitors.
And not only may your rating factors change, but car insurance companies file new California car insurance rates as needed in order to be able to pay unexpected claims. Heavier than normal losses may result in rate hikes, while a profitable period can result in cheaper Irvine car insurance rates.
To help illustrate this point, the data below shows the company with the cheapest car insurance in Irvine, CA for a 45-year-old female driver with a clear driving record, no claims, and good credit. When comparing rates based on her current risk profile, USAA offers the lowest car insurance rates in Irvine at $1,183 a year. This is $468 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are the remainder of the top five cheapest Irvine, CA auto insurance companies.
In this example, we will give the driver from the first example a claim, a lower credit rating, and a traffic ticket or two. Because every insurance company uses their own method for setting rates, getting updated rate quotes will most likely result in 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 Mercury, Allstate, Progressive, and Wawanesa completing the list. This example shows why drivers need to compare many different companies to find affordable auto insurance rates for drivers with a DUI. Insurance rates can be altered by many factors and change dramatically, so the lowest-price company when you bought your policy may now be quite expensive.