How Much are Irvine Car Insurance Quotes for Unemployed Drivers?

Trying to find cheap car insurance is difficult, and finding out which companies offer the most affordable car insurance rates for unemployed drivers will require more quotes for comparison.

Each auto insurer has a unique approach to determine rates, so let’s rank the car insurance companies with the overall cheapest rates in California.

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Rankings for the cheapest California auto insurance companies
Rank Company Cost Per Year
1 USAA $1,109
2 CSAA $1,186
3 Wawanesa $1,192
4 Century National $1,214
5 Nationwide $1,263
6 21st Century $1,325
7 Grange $1,477
8 GEICO $1,513
9 Mercury $1,533
10 Progressive $1,542
11 Allstate $1,559
12 Allied $1,588
13 The Hartford $1,623
14 MetLife $1,638
15 State Farm $1,682
16 Unitrin $1,699
17 Esurance $1,739
18 Bristol West $1,831
19 Travelers $1,842
20 Farmers $1,966
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USAA normally has some of the cheapest car insurance rates in Irvine at around $1,109 a year. This is $542 less than the average policy premium paid by California drivers of $1,651. CSAA, Wawanesa, Century National, and Nationwide would also make the list of some of the best Irvine, CA auto insurance companies.

As depicted above, if you buy coverage from Wawanesa and switched to USAA, you could realize a yearly price reduction of about $83. Policyholders with Century National may save as much as $105 a year, and Nationwide customers might cut rates by $154 a year.

If you want to find out if you’re overpaying, click here to start your free quote or visit several of the following companies.

Bear in mind that those premium estimates are averages across all drivers and vehicles and do not factor in a specific vehicle garaging location for unemployed drivers. So the auto insurance company that is most affordable for your situation may not even be in the top 24 companies in the list above. That points out the importance of why you need to get quotes using your own driver and vehicle profiles.

The car, truck, or SUV requiring insurance is probably the largest consideration that determines if you can find the cheapest car insurance for unemployed drivers. Vehicles with limited speed and performance, advanced safety features, or a low likelihood of liability claims will cost substantially less to insure than high performance models. The information below outlines coverage rates for the most economical vehicles to buy coverage for.

Cheapest Vehicles to Insure in Irvine, CA
Vehicle Estimated Cost for Full Coverage
Honda CR-V EX-L 2WD $915
Toyota Prius $992
Ford Escape XLS 2WD $1,009
Ford Focus SE 4-Dr Sedan $1,039
Ford F-150 XL Regular Cab 2WD $1,056
Honda Accord EX-L 4-Dr Sedan $1,066
Ford Explorer Limited AWD $1,079
Toyota Tacoma X-Runner 2WD $1,115
Hyundai Elantra SE 4-Dr Sedan $1,120
Nissan Rogue S 2WD $1,134
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $1,137
Dodge Grand Caravan SE $1,139
Chevrolet Malibu LS $1,162
Chevrolet Impala LT $1,167
Chevrolet Equinox LS 2WD $1,162
Toyota RAV4 Limited 4WD $1,194
Ford F-250 XLT 2WD $1,213
Ford Edge Sport AWD $1,226
Chevrolet Silverado LS Extended Cab 2WD $1,241
Hyundai Sonata GLS 4-Dr Sedan $1,250
Honda Odyssey EX-L W/Rear Entertainment $1,250
Toyota Corolla XRS $1,258
Ford Fusion SE 4-Dr Sedan $1,250
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Premium costs do not factor in specific location information which can increase or decrease auto insurance rates noticeably.

By looking at the data, vehicles like the Honda CR-V, Toyota Prius, Ford Escape, and Ford Focus are most likely to be the cheaper vehicles to insure for the unemployed.

For the unemployed, one of the big things that determine auto insurance rates is where you choose to live. Areas with a lot of weather claims or more people are more likely to pay higher prices, whereas areas with less congestion have the gratification of cheaper auto insurance rates.

The table below rates the most expensive places in California for unemployed drivers to buy auto insurance in. Irvine is ranked at #24 with an annual premium of $1,343 for the average insured, which is approximately $112 each month.

How much does auto insurance cost in Irvine?
Rank City Average Per Year
1 Los Angeles $2,168
2 Glendale $2,058
3 Oakland $1,738
4 Sacramento $1,703
5 San Francisco $1,693
6 San Bernardino $1,628
7 Long Beach $1,610
8 Moreno Valley $1,551
9 Santa Clarita $1,548
10 Modesto $1,547
11 Stockton $1,541
12 Garden Grove $1,524
13 Fontana $1,519
14 Anaheim $1,488
15 Riverside $1,482
16 Fresno $1,472
17 Santa Ana $1,439
18 San Jose $1,395
19 San Diego $1,381
20 Bakersfield $1,381
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Premium costs are approximated as specific Irvine garaging address can impact coverage prices significantly.

The illustration below demonstrates how deductible levels can influence insurance premiums when trying to find cheap insurance for unemployed drivers. The rates are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

The data above shows that a 30-year-old driver could reduce rates by $350 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $530 by selecting a $1,000 deductible. Youthful drivers, such as the Age 20 example, could drop their prices as much as $750 or even more just by using higher deductibles.

If you do decide to increase your deductibles, it will be necessary to have enough spare savings to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Full coverage or liability only

Reducing the cost of car insurance is probably important to the majority of drivers, and a great way to buy cheaper insurance for unemployed drivers is to not buy full coverage. The chart below shows the difference between insurance costs with and without full coverage. The rates are based on no claims or driving violations, $1,000 deductibles, single marital status, and no policy discounts are applied.

If averaged out across all ages, comp and collision coverage costs $1,849 per year over and above liability only. That may make you wonder if paying for full coverage is worth it. There is no definitive rule for eliminating comp and collision coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let’s pretend your vehicle’s book value is $5,500 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $4,500 after the deductible is paid. If premiums are more than $450 annually to have full coverage, then it may be the right time to buy liability only.

Ending up with a good quality insurance provider can be a challenge considering how many different companies there are to choose from in Irvine. The company rank data listed below may help you choose which providers to look at comparing rates from.

The ratings below include the largest auto insurers in America, so companies without a large exposure are not included in the list. To compare prices from these top-rated insurers and more, simply click here.

Top 10 Large Auto Insurance Providers in Irvine Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

Top 10 Large Auto Insurance Providers in Irvine Ranked by A.M. Best Rating

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+