The words “cheap” and “auto insurance” probably shouldn’t be used together, specifically when searching for the best price on coverage for police officers. Because it’s so expensive, let’s familiarize you with a few of the things that can significantly affect car insurance rates, and find out if we can help you lower the price of your next policy.
One of the more important criteria that are looked at to help calculate auto insurance rates is the neighborhood you call home in Irvine. Areas with more people or higher crime rates tend to have more expensive car insurance rates, whereas less populated areas have the benefit of cheaper car insurance.
The following table shows the most costly cities in California for police officers in which to purchase auto insurance. Irvine ranks #21 with a yearly premium of $1,371 on average, which is around $114 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,058 |
| 3 | San Francisco | $1,711 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,652 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,626 |
| 8 | Santa Clarita | $1,595 |
| 9 | Stockton | $1,556 |
| 10 | Garden Grove | $1,554 |
| 11 | Moreno Valley | $1,551 |
| 12 | Modesto | $1,532 |
| 13 | Fontana | $1,519 |
| 14 | Fresno | $1,517 |
| 15 | Riverside | $1,482 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,444 |
| 18 | San Jose | $1,437 |
| 19 | Fremont | $1,389 |
| 20 | Bakersfield | $1,381 |
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Rate information is estimated as the garaging address in Irvine can lower or raise premiums noticeably.
The car, truck, or SUV you are insuring is probably the biggest factor when comparison shopping for the best coverage for police officers. Vehicles with lots of speed or power, poor safety ratings, or a history of substantial liability claims will cost much more to insure than more modest models.
The next table outlines coverage premiums for a selection of the cheaper automobiles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $670 |
| Ford Escape XLS 2WD | $730 |
| Chevrolet Silverado LS Regular Cab 4WD | $734 |
| Honda CR-V EX 4WD | $750 |
| Honda Odyssey EX | $774 |
| Toyota Camry LE | $790 |
| Jeep Grand Cherokee Laredo 4WD | $797 |
| Toyota Prius | $814 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $818 |
| Ford Edge SEL AWD | $846 |
| GMC Sierra SLE Crew Cab 2WD | $848 |
| Ford F-150 Lariat Crew Cab Harley 4WD | $864 |
| Toyota Tacoma Double Cab 4WD | $866 |
| Toyota RAV4 Sport 2WD | $874 |
| Ford Explorer Limited 2WD | $884 |
| Dodge Grand Caravan SXT | $892 |
| Chevrolet Equinox LT AWD | $888 |
| Hyundai Elantra Blue 4-Dr Sedan | $890 |
| Nissan Rogue SL AWD | $898 |
| Honda Civic VP 4-Dr Sedan | $916 |
| Nissan Altima Hybrid 4-Dr Sedan | $928 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $935 |
| Volkswagen Jetta SE 4-Dr Sedan | $928 |
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rate quotes do not factor in Irvine, CA location which can revise price quotes significantly.
Based upon these rates, we can tell that makes and models like the Honda Accord, Ford Escape, Chevrolet Silverado, and Honda CR-V will definitely be the cheapest vehicles to insure for law enforcement personnel.
Figuring out which insurers offer the cheapest car insurance rates for police officers calls for more time than just comparing a company or two. Each auto insurance company uses a different method to determine premium rates, so let’s rank the car insurance companies with the overall cheapest rates in California.
Best Car Insurance Prices for Law Enforcement
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,226 |
| 4 | CSAA | $1,234 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,447 |
| 8 | Progressive | $1,512 |
| 9 | Allstate | $1,543 |
| 10 | Mercury | $1,548 |
| 11 | GEICO | $1,559 |
| 12 | Allied | $1,603 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,639 |
| 15 | Esurance | $1,688 |
| 16 | Unitrin | $1,699 |
| 17 | State Farm | $1,699 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $1,946 |
| Get a Custom Quote Go | ||
USAA may have some of the cheapest car insurance rates in Irvine at around $1,109 each year. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the cheapest Irvine, CA car insurance companies.
In the above rates, if you currently have a policy with CSAA and switched to USAA, you could see an annual premium reduction of approximately $125. Drivers with Nationwide may save as much as $154 a year, and 21st Century customers might reduce prices by as much as $270 a year.
Understand that those prices are averages across all insureds and vehicles and and are not figured with a specific location for police officers. So the company that fits your needs best may not even be in the list above. That point stresses why you need to quote rates from as many companies as possible using your own driver and vehicle profiles.
The information below demonstrates how choosing different deductibles can impact yearly insurance costs when getting quotes for cheap insurance for police officers. The prices are based on a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
A 40-year-old driver could save $362 a year by switching from a $100 deductible to a $500 deductible, or save $546 by switching to a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could roll back prices up to $1,190 or even more just by choosing larger deductibles.
When increasing deductibles, it is important to have enough in a savings account to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Impact of careless driving on Irvine car insurance rates
The easiest method to get low car insurance prices for law enforcement personnel is to drive attentively and not receive tickets or have accidents. The illustration below highlights how speeding tickets and fender-benders can influence annual premium costs for different categories of driver ages. The rate quotes are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are factored in.
In the previous chart, the average cost of an auto insurance policy per year with no violations or accidents is $2,394. Add in two speeding tickets and the average cost jumps to $3,222, an increase of $828 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of car insurance for police officers jumps again to an average of $6,160. That’s an increase of $3,766, or $314 per month, just for being a less-than-perfect driver!
Finding a highly-rated insurance provider is difficult considering how many companies sell coverage in California. The company ratings shown next may help you analyze which coverage providers to look at comparing rate quotes with.
The ratings below only include companies with a nationwide focus, so smaller regional companies are not factored into this list. If you would like to check rates from these top insurers and more, just click here.
Top 10 Large Auto Insurers in Irvine Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Large Auto Insurers in Irvine Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family