The words “economical” and “auto insurance” really shouldn’t be used together, specifically when shopping around for the best car insurance rates for a school permit. Because of the high cost, let’s start the ball rolling by going over some of the things that help determine car insurance rates, and see how we can help you take a little off the next policy you buy.
Figuring out which company has the best car insurance rates for a school permit calls for a little more work in order to find coverage that fits your budget. Each company has their own formula for determining rates, so we’ll take a look at the most budget-friendly car insurance companies in Irvine.
It’s important that readers know that Irvine, CA car insurance rates are based on many factors that control the price you have to pay. Simply having a birthday, filing a claim, or having an at-fault accident may cause policy rate changes that can cause some rates to be more affordable than before.
Best Cheap Insurance Rates for Students
Wawanesa has some of the best car insurance rates in Irvine at around $1,146 a year. This is $505 less than the average price paid by California drivers of $1,651. USAA, CSAA, Century National, and Nationwide also make the cut as some of the lowest-priced Irvine, CA auto insurance companies.
As shown in the rates above, if you are a customer of CSAA and switched to Wawanesa, you could realize a yearly price reduction of around $40. Insureds with Century National could save as much as $80 a year, and Nationwide policyholders might realize rate reductions of up to $117 a year.
To find out how much you can save, click here or visit any of the low-priced companies below.
Bear in mind that those prices are averages across all types of drivers and the different vehicles they drive and do not factor in a specific zip code for a school permit. So the insurer that can offer the best rates for your situation may not even be in the list above. That points out the importance of why you need to compare as many prices as possible using your own individual information.
For a learners permit, one of the more important things that determine auto insurance rates is where you live. Cities with larger populations or higher claim trends tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents have the benefit of cheaper auto insurance prices.
The information below rates the most costly cities in California for a school permit to buy auto insurance in. Irvine is ranked at #23 with an annual cost of $1,330 for car insurance, which is around $111 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,142 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,738 |
| 5 | Sacramento | $1,652 |
| 6 | Long Beach | $1,610 |
| 7 | Stockton | $1,603 |
| 8 | San Bernardino | $1,596 |
| 9 | Santa Clarita | $1,580 |
| 10 | Garden Grove | $1,570 |
| 11 | Fontana | $1,519 |
| 12 | Fresno | $1,517 |
| 13 | Moreno Valley | $1,506 |
| 14 | Anaheim | $1,488 |
| 15 | Modesto | $1,487 |
| 16 | Santa Ana | $1,483 |
| 17 | Riverside | $1,482 |
| 18 | Huntington Beach | $1,416 |
| 19 | Bakersfield | $1,394 |
| 20 | San Jose | $1,381 |
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Price information shown is estimated as the specific area where the vehicle is garaged can impact coverage prices considerably.
Picking a good quality car insurance company is hard considering how many companies sell coverage in Irvine. The company rank data below could help you pick which providers to look at when trying to find the cheapest insurance for a school permit.
The ratings below are for companies that insure vehicles nationwide, so smaller regional companies are not taken into consideration for the list. If you wish to compare rates from these top-rated insurers and more, just 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 |
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Data Source: Insure.com Best Car Insurance Companies
Types of discounts on Irvine insurance rates
Auto insurance companies that offer coverage for a school permit may also provide special discounts that can reduce rates by as much as 40% or more if you meet specific criteria. Large car insurance companies and some of the premium reductions they offer are detailed below.
- GEICO may have discounts that include seat belt use, anti-theft, defensive driver, daytime running lights, driver training, emergency military deployment, and anti-lock brakes.
- USAA may offer discounts for family discount, loyalty savings, multi-vehicle, annual mileage, and good student.
- Progressive includes discounts for continuous coverage, good student, multi-vehicle, online signing, online quote discount, and homeowner.
- American Family policyholders can earn discounts including bundled insurance, early bird, good driver, good student, TimeAway discount, air bags, and Steer into Savings.
- Esurance offers discounts for emergency road assistance, claim free, good student, paid-in-full, Switch & Save, and online quote.
- Farmers Insurance may include discounts for teen driver, alternative fuel, multi-car, mature driver, electronic funds transfer, youthful driver, and pay in full.
- State Farm discounts include good student, accident-free, driver’s education, good driver, and anti-theft.
The chart below visualizes the comparison of yearly insurance costs with and without discounts being applied to the rates. Data assumes a male driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with continuous coverage, paid-in-full, paperless filing, passive restraint, good student, and anti-theft discounts applied. When drivers qualify for the discounts, theamount saved on car insurance for a school permit is 28% or $820.
Why you should compare rates
Irvine car insurance rates are calculated based on many things that control the price you have to pay for coverage. Simply getting older, getting married, or getting a reckless driving citation may generate price changes that may make certain companies cheaper than competitors.
And not only may your rating factors change, but auto insurance companies change prices as often as every three months to reflect underwriting profits or losses. Unexpectedly high claims may result in higher rates, while lower claim expenses can cause lower-priced Irvine car insurance rates.
The bar chart below shows which company has the cheapest car insurance in Irvine, CA for a 40-year-old male driver with no accidents or violations, and good credit. If we compare prices based on his personal risk profile, USAA has the best car insurance rates in Irvine at $1,149 each year. This is $502 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also on the list of the most affordable Irvine, CA auto insurance companies.
Let’s now give the driver in the first example an accident claim, a lower credit score, and a traffic citation. Since every insurance provider has a proprietary method for setting rates, comparing quotes may result in a significantly different list of affordable Irvine car insurance companies as shown below.
Mercury now has the lowest price in Irvine, CA with Grange, Progressive, Allstate, and GEICO now being in the top five. This example shows why it is crucial to compare as many rates as possible when trying to find the lowest auto insurance quotes for a school permit.
Prices are made up of many things and can change without notice, so the most economical option the last time you checked may now cost much more than other companies.
If you aren’t sure which coverage to buy and prefer to have a consultation when trying to find lower insurance rates for a school permit, the agents below can provide answers to your questions and help you determine which coverages you need.
To find an Irvine insurance agent by location nearest to you, click the button link following the list.
Farmers Insurance: James Lohse
4850 Barranca Pkwy #202 – Irvine, CA 92604 – (949) 559-0175
Isu Insurance Services Irvine
18022 Cowan Ste 225 – Irvine, CA 92614 – (949) 419-2100
First American Property and Casualty Insurance Agency, Inc.
24 Executive Park Suite 250 – Irvine, CA 92614 – (888) 546-5118
Blackwell Insurance
23002 Lake Center Dr – Lake Forest, CA 92630 – (949) 421-0222
Farmers Insurance – Berdy Gonzalez-Lubnau
41 Corporate Park #240 – Irvine, CA 92606 – (714) 263-2623