How Much are Irvine Car Insurance Quotes for a School Permit?

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

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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.

How much does auto insurance cost in Irvine?
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.

Best Ten Car Insurance Companies for a School Permit in Irvine
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: Best Car Insurance Companies

Types of discounts on Irvine insurance rates

Discounts on car insurance for a school permitAuto 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.

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 #202Irvine, CA 92604(949) 559-0175

Isu Insurance Services Irvine
18022 Cowan Ste 225Irvine, CA 92614(949) 419-2100

First American Property and Casualty Insurance Agency, Inc.
24 Executive Park Suite 250Irvine, CA 92614(888) 546-5118

Blackwell Insurance
23002 Lake Center DrLake Forest, CA 92630(949) 421-0222

Farmers Insurance – Berdy Gonzalez-Lubnau
41 Corporate Park #240Irvine, CA 92606(714) 263-2623

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