Who Has the Cheapest Irvine Car Insurance Rates for Inexperienced Drivers?

The words “affordable” and “insurance” really don’t belong together, specifically when you are searching for the best car insurance for inexperienced drivers. Because of the high cost, let’s familiarize you with some of the factors that have an effect on insurance prices, and figure out some ways to take the bite out of your next policy.

Finding reliable, budget car insurance is confusing at best, and figuring out which companies offer the most affordable car insurance rates for inexperienced drivers will require even more rate comparisons. Every insurance company uses slightly different criteria to set policy rates, so first let’s look at the rankings for the overall cheapest car insurance companies in Irvine, CA.

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Rankings for the cheapest car insurance companies in California
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,157
3 CSAA $1,186
4 Nationwide $1,213
5 Century National $1,226
6 21st Century $1,325
7 Mercury $1,488
8 Grange $1,491
9 GEICO $1,529
10 Progressive $1,542
11 Allstate $1,543
12 Allied $1,556
13 The Hartford $1,591
14 MetLife $1,654
15 Unitrin $1,682
16 State Farm $1,733
17 Esurance $1,739
18 Bristol West $1,831
19 Travelers $1,842
20 Farmers $2,006
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USAA has some of the most affordable car insurance rates in Irvine at around $1,121 per year. Wawanesa, CSAA, Nationwide, and Century National also rank well as some of the lowest-priced Irvine, CA car insurance companies.

In the above rates, if you currently buy coverage from Nationwide and switched to USAA, you could realize savings of around $92. Insureds with Century National could save as much as $105 a year, and 21st Century customers might reduce rates by $204 a year.

If you want to find out if you’re overpaying, click here to start a quote or visit any of the low-priced companies below.

Understand that those policy rates are averages across all drivers and vehicles in California and and are not figured with an exact zip code location for inexperienced drivers. So the insurer that fits your situation best may not even be in the top 24 companies in the list above. That affirms the importance of why you need to compare prices as often as possible using your own specific driver information and vehicle.

One of the many components that aid in calculating the amount you pay for auto insurance is where your car is garaged. More densely populated places tend to have higher rates, whereas more rural areas get the luxury of paying less.

The illustration below shows the highest-priced areas in California for inexperienced drivers to purchase auto insurance in. Irvine is listed at #24 costing $1,330 for the average insurance policy, which is around $111 per month.

How much does auto insurance cost in Irvine?
Rank City Premium Per Year
1 Los Angeles $2,146
2 Glendale $2,121
3 San Francisco $1,763
4 Oakland $1,755
5 Sacramento $1,703
6 San Bernardino $1,628
7 Long Beach $1,626
8 Fontana $1,581
9 Santa Clarita $1,580
10 Stockton $1,556
11 Garden Grove $1,554
12 Moreno Valley $1,506
13 Fresno $1,502
14 Modesto $1,487
15 Santa Ana $1,483
16 Riverside $1,482
17 Anaheim $1,430
18 San Jose $1,423
19 Huntington Beach $1,416
20 Fremont $1,389
21 San Diego $1,381
22 Bakersfield $1,381
23 Chula Vista $1,337
24 Irvine $1,330
25 Oxnard $1,318
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Annual rates are approximated as the specific geographic location can modify price quotes substantially.

Car insurance companies ranked

Choosing the highest-rated car insurance provider can be a challenge considering how many companies provide coverage in Irvine. The company rank data shown next can help you choose which car insurance companies you want to consider when comparing rates. The rankings below are only comprised of the largest auto insurers in America, so smaller regional companies are not factored into these rankings.

Best Ten Car Insurance Companies for Inexperienced Drivers 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

Impact of careless driving on car insurance rates

The best way to find cheap car insurance rates for new drivers is to be a cautious driver and avoid accidents and traffic citations. The information below shows how violations and at-fault fender-benders drive up insurance costs for each age group. The data assumes a married male driver, comp and collision included, $500 deductibles, and no discounts are factored in.

The data in the chart shows the average cost of auto insurance in California per year with no accidents or violations is $2,396. Receive one speeding ticket and the average cost increases to $2,757, an increase of $361 each year. Then include one accident along with the one speeding ticket and the annual cost of car insurance for inexperienced drivers increases to an average of $3,764. That’s an increase of $1,368, or $114 per month, just for being a careless driver!

How to get discounts on Irvine auto insurance

Cheaper Irvine, CA car insurance for new driversCar insurance companies that offer coverage for inexperienced drivers may provide policy discounts that can lower rates by as much as 35% if you meet eligibility requirements. Popular car insurance companies and their possible discounts include:

The example below illustrates the comparison of insurance premiums with and without discounts applied to the rates. The premiums are based on a male driver, no violations or accidents, California state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with homeowner, passive restraint, anti-theft, vehicle safety, multiple vehicle, and defensive driving course discounts applied. When drivers qualify for the discounts, theamount saved on car insurance for inexperienced drivers is 28% or $777.