Who Has the Cheapest Auto Insurance Rates for Felons in Irvine?

For felons, one of the more important factors that help determine the amount you pay for auto insurance is where you call home in Irvine. Areas with more people or higher crime rates will most likely have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of cheap car insurance rates.

The following table lists the priciest cities in California for felons to purchase a policy in. Irvine comes in at #24 with an annual cost of $1,343 for coverage, which is around $112 monthly.

How much is auto insurance in Irvine, CA?
Rank City Average Per Year
1 Los Angeles $2,168
2 Glendale $2,142
3 Oakland $1,738
4 San Francisco $1,711
5 Sacramento $1,652
6 San Bernardino $1,644
7 Long Beach $1,610
8 Stockton $1,603
9 Santa Clarita $1,595
10 Modesto $1,547
11 Garden Grove $1,524
12 Fontana $1,519
13 Fresno $1,502
14 Riverside $1,497
15 Moreno Valley $1,491
16 Santa Ana $1,453
17 Anaheim $1,444
18 San Jose $1,423
19 Fremont $1,389
20 Huntington Beach $1,374
21 Bakersfield $1,353
22 Chula Vista $1,350
23 Oxnard $1,344
24 Irvine $1,343
25 San Diego $1,327
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Information shown are approximated as the garaging address in Irvine can decrease or increase price quotes considerably.

The vehicle that is being insured is one of the biggest factors when comparing the cheapest coverage for felons. Vehicles with limited top-end speed, a great safety record, or low incidents of liability claims will cost significantly less to insure than high performance models. The information below presents car insurance costs for a handful of the most economical vehicles to buy coverage for.

Cheapest Vehicles to Insure in Irvine, CA
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape Limited 2WD $879
Honda CR-V EX-L 4WD $885
Ford F-150 XLT Regular Cab 2WD $944
Honda Accord LX-P 4-Dr Sedan $982
Ford Edge SEL 2WD $997
Toyota RAV4 Sport 2WD $1,016
Chevrolet Malibu LT $1,035
Dodge Grand Caravan SXT $1,043
Ford Focus SES 4-Dr Sedan $1,049
Hyundai Elantra SE Touring Station Wagon $1,066
Toyota Corolla XLE $1,068
Chevrolet Silverado LT Crew Cab 4WD $1,087
Jeep Wrangler Rubicon 4WD 2-Dr $1,104
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Information does not factor in specific zip code location which can lower or raise rates substantially.

Based upon the rates shown, we can tell that makes and models like the Ford Escape, Honda CR-V, Ford F-150, and Honda Accord are most likely to be the cheapest vehicles to insure for felons.

Finding good, cheap insurance is hard enough, and determining which companies have the cheapest car insurance rates for felons will involve more quotes for comparison.

Each insurance company uses their own method for setting prices, so let’s begin by taking a look at the car insurance companies with the overall cheapest rates in California. It’s important that you understand Irvine car insurance rates are determined by lots of factors that will increase or decrease the cost of your policy. Price variation is why it is important to perform an extensive rate comparison when trying to get the cheapest car insurance quotes for felons. Prices are made up of many things and change substantially, so the most affordable company when you last compared rates may now be wasting a lot of money.

Cheapest Insurance Rates for Felons

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USAA quotes some of the lowest car insurance rates in Irvine at around $1,121 a year. Wawanesa, CSAA, Century National, and Nationwide also rank well as some of the more affordable Irvine, CA insurance companies.

In this example, if you buy coverage from Century National and switched to Wawanesa, you could see a yearly savings of upwards of $68. Drivers with Nationwide may save as much as $80 a year, and 21st Century customers might lower prices by up to $179 a year.

To see how much you can save, click here or visit any of the low-priced companies below.

It’s important to note that these prices are averaged for all ages of drivers and types of vehicles and and are not calculated with a specific location for felons. So the car insurance company that is best for you may not even be in the top 24 companies in the list above. That emphasizes why you need to get rate quotes from many companies using your own specific driver and vehicle information.

Full coverage rates vs. liability-only

Paying less for car insurance should be important to the majority of people, and a great way to find cheap insurance for felons is to buy liability only. The chart below illustrates the difference between insurance costs when comparing full coverage to liability only. The premiums are based on no claims or violations, $1,000 deductibles, single status, and no discounts are applied to the premium.

On average, full coverage costs $1,849 per year over and above liability only. That is a significant amount which raises the question if full coverage is worth the money. There is no set rule for eliminating comp and collision coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s assume your vehicle’s claim settlement value is $11,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $10,000 after paying your deductible. If it’s costing in excess of $1,000 annually for physical damage coverage, then it might be time to consider dropping full coverage.

The information below shows how choosing a deductible can influence insurance rates when quoting cheap insurance for felons. The prices are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

The chart above illustrates that a 40-year-old driver could pocket $492 a year by changing from a $100 deductible up to a $500 deductible, or save $738 by changing to a $1,000 deductible. Younger drivers, like the Age 20 category, could lower their rates as much as $1,640 or more by choosing a higher deductible. If you do decide to increase your deductibles, it’s a good idea to have enough savings set aside to offset the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Finding a high-quality insurance provider is hard considering how many companies provide coverage in California. The ranking information shown below can help you analyze which auto insurance companies you want to consider comparing rates with. The ratings below are only made up of the companies with a significant amount of written premium nationwide, so companies that focus mainly on California business are not factored into this list.

Best Ten Car Insurance Companies for Felons in California
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
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Data Source: Insure.com Best Car Insurance Companies

Low rates today, overpriced tomorrow

Irvine, CA car insurance rates are impacted by many factors that will increase or decrease the price you have to pay for coverage. Simply having another birthday, buying higher coverage limits, or getting a driving violation can produce rate changes resulting in some rates now being more affordable than competitors.

Also, companies file new California car insurance rates as often as every three months in order to remain profitable. Unexpectedly high claims may result in increased policy costs, while a lower level of claims can result in lower-cost Irvine car insurance rates.

The bar chart below shows the companies that have the cheapest car insurance in Irvine, CA for a 35-year-old female driver with a clean driving record, no accidents, and good credit. If we estimate prices based on her personal profile, USAA offers the most affordable car insurance rates in Irvine at $1,178 a year. This is $473 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are also on the list of the top five cheapest Irvine, CA auto insurance companies.

Let’s now give the driver from the first example a claim or two, poor credit, and a blemish on her driving record. Since each insurance company has a unique approach for establishing rates, getting updated rate quotes could now result in a new list of cheap Irvine auto insurance companies as shown below.

Grange now has the cheapest car insurance in Irvine, CA with Allstate, Mercury, Allied, and Progressive completing the list. This shows why it is important to compare rates to find the most budget-friendly auto insurance quotes for felons.

Auto insurance prices can be altered by many different factors and change dramatically, so the best option the last time you shopped around may now be quite expensive.