After a few driving violations, one of the largest components that are looked at to determine the amount you pay for auto insurance is your address in Irvine. Larger areas will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims tend to receive cheaper rates.
The next table rates the highest-priced areas in California after a speeding ticket to purchase auto insurance in. Irvine ranks #20 with an annual cost of $1,371 for the average insurance policy, which is around $114 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Glendale | $2,121 |
| 2 | Los Angeles | $2,083 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,738 |
| 5 | Sacramento | $1,703 |
| 6 | Long Beach | $1,626 |
| 7 | Stockton | $1,588 |
| 8 | Fontana | $1,581 |
| 9 | San Bernardino | $1,580 |
| 10 | Moreno Valley | $1,536 |
| 11 | Santa Clarita | $1,533 |
| 12 | Modesto | $1,532 |
| 13 | Riverside | $1,527 |
| 14 | Fresno | $1,517 |
| 15 | Garden Grove | $1,508 |
| 16 | Anaheim | $1,474 |
| 17 | Santa Ana | $1,439 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,402 |
| 20 | Irvine | $1,371 |
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Table data uses estimated as zip code location can decrease or increase price quotes noticeably.
The vehicle model requiring insurance is one of the primary factors when comparing quotes for the best car insurance after a speeding ticket. Vehicles with more horsepower, poor safety features, or a track record of large liability claims will cost quite a bit more to insure than safer, lower-performance models. The list below presents insurance costs for some of the more affordable automobiles to buy insurance for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $1,121 |
| Hyundai Elantra GLS Touring Station Wagon | $1,236 |
| Ford F-150 XL Crew Cab 4WD | $1,278 |
| Chevrolet Silverado LT Extended Cab 4WD | $1,324 |
| GMC Sierra SLE Crew Cab 2WD | $1,330 |
| Honda CR-V EX-L 2WD | $1,332 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,350 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,386 |
| Toyota Corolla XLE | $1,396 |
| Toyota Camry SE | $1,406 |
| Chevrolet Equinox LTZ 2WD | $1,422 |
| Jeep Grand Cherokee SRT-8 4WD | $1,429 |
| Honda Odyssey EX W/Rear Entertainment | $1,438 |
| Toyota Prius | $1,446 |
| Chevrolet Impala LT | $1,467 |
| Toyota RAV4 Sport 4WD | $1,474 |
| Ford F-350 XLT Crew Cab Harley Edition 2WD | $1,473 |
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Price data assumes single female driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can affect premium rates substantially.
Based upon these rates, we can assume that models like the Ford Escape, Hyundai Elantra, Ford F-150, and Chevrolet Silverado are the cheaper vehicles to insure after a few driving violations.
Picking a good quality company is difficult considering how many companies there are to choose from in California. The information listed below may help you choose which companies to look at comparing prices from.
The ratings below are for companies who write in the majority of U.S. states, so companies that focus mainly on California business are not included in these rankings. To compare rates from these and other top-rated companies, simply 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 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Get discount Irvine insurance
Insurance providers that offer quotes after a speeding ticket may have discounts that could potentially reduce rates by as much as 35% if you qualify for them. Large auto insurance companies and a selection of discounts are shown below.
- 21st Century policyholders can earn discounts including student driver, early bird, homeowners, anti-lock brakes, teen driver, good student, and air bags.
- Progressive has discounts for online signing, online quote discount, multi-policy, good student, multi-vehicle, and homeowner.
- State Farm may include discounts for multiple policy, good student, safe vehicle, accident-free, and multiple autos.
- Nationwide includes discounts for easy pay, good student, defensive driving, multi-policy, and business or organization.
- Esurance has savings for defensive driver, anti-lock brakes, claim free, good student, DriveSense, and paid-in-full.
- The Hartford may offer discounts for driver training, anti-theft, air bag, defensive driver, good student, and bundle.
The information below shows the difference between annual premium costs with and without some available policy discounts. The rates are based on a female driver, no accidents and one citation, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with marriage, vehicle safety, paperless filing, homeowner, paid-in-full, and multiple policy discounts applied. With discounts applied, theamount saved on auto insurance after a speeding ticket is 28% or $835.
Low rates can quickly become overpriced
Irvine, CA auto insurance rates are influenced by many factors which can substantially decrease or increase the cost of your policy. Simply getting older, getting married, or getting a speeding ticket can produce rate changes that may make certain companies more affordable than before. Not only may things change on your end, but auto insurance companies modify rates every year to adjust for unexpected claims or profits. Higher than normal claim frequency or severity may result in price increases, while a lower level of claims may result in cheaper Irvine car insurance rates.
For instance, the graph below shows the companies that have the cheapest car insurance in Irvine, CA for a 30-year-old male driver with no accidents or violations, and a good credit rating. If we look at prices based on his current risk factors, USAA may offer the best car insurance rates in Irvine at $1,160 a year. This is $491 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide round out the rest of the cheapest Irvine, CA auto insurance companies.
Now we will pretend the driver in the first chart an at-fault accident, poor credit, and an imperfect driving record. Due to the fact that every insurance company has a different formula to set premium rates, comparing quotes may now show a significantly different list of cheap Irvine auto insurance companies as shown below.
Grange now has the best insurance rate in Irvine with Progressive, Allstate, GEICO, and Mercury now being in the top five. This shows why consumers need to perform a complete rate comparison to get the cheapest auto insurance rates after a speeding ticket.
Rates are impacted by many risk factors and change frequently, so the best company six months ago may now be one of the more expensive options.