Deciphering which companies quote the cheapest auto insurance rates for government employees takes a little more work than just comparing a company or two. Every insurance provider has a unique approach for determining rates, so we’ll take a look at the most affordable auto insurance companies in Irvine.
It’s important that readers know that Irvine, CA auto insurance rates are calculated based on many things that will increase or decrease the price you have to pay. Simply having another birthday, getting divorced, or getting into an accident may prompt premium changes resulting in some rates now being more affordable than others.
Best Cheap Insurance Rates in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Century National | $1,178 |
| 3 | Wawanesa | $1,181 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,488 |
| 9 | GEICO | $1,529 |
| 10 | Progressive | $1,542 |
| 11 | Allied | $1,556 |
| 12 | Allstate | $1,559 |
| 13 | The Hartford | $1,591 |
| 14 | MetLife | $1,638 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,699 |
| 17 | Esurance | $1,705 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,788 |
| 20 | Farmers | $1,966 |
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USAA normally has some of the most affordable car insurance rates in Irvine at around $1,109 a year. Century National, Wawanesa, CSAA, and Nationwide also make the cut as some of the cheaper Irvine, CA insurance companies.
As depicted above, if you are a policyholder with CSAA and switched to Century National, you could see yearly savings of roughly $20. Insureds with Nationwide may save as much as $72 a year, and 21st Century insureds might lower prices by up to $188 a year.
To find out how your current rates compare, click here to begin a quote or quote rates from the companies below.
Bear in mind that those rates are averages across all drivers and vehicles and and are not figured with a specific zip code for government employees. So the auto insurance company that can offer the best rates for your situation may not even be in the top 24 companies in the list above. That helps illustrate why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.
For state and federal workers, one of the largest factors that are looked at to determine the price you pay for insurance is where your car is garaged in Irvine. Areas with increased crime or more people tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the gratification of cheaper auto insurance rates.
The information below shows the most expensive cities in California for government employees to buy car insurance in. Irvine is listed at #23 with the yearly price of $1,343 for coverage, which is around $112 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,142 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,703 |
| 6 | San Bernardino | $1,628 |
| 7 | Stockton | $1,603 |
| 8 | Santa Clarita | $1,580 |
| 9 | Long Beach | $1,578 |
| 10 | Garden Grove | $1,554 |
| 11 | Fontana | $1,535 |
| 12 | Modesto | $1,532 |
| 13 | Riverside | $1,527 |
| 14 | Fresno | $1,517 |
| 15 | Moreno Valley | $1,506 |
| 16 | Santa Ana | $1,483 |
| 17 | Anaheim | $1,444 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,416 |
| 20 | Bakersfield | $1,394 |
| 21 | Fremont | $1,361 |
| 22 | Oxnard | $1,358 |
| 23 | Irvine | $1,343 |
| 24 | San Diego | $1,340 |
| 25 | Chula Vista | $1,311 |
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Rate quotes are estimated as specific Irvine zip code can raise or lower price quotes greatly.
The type of vehicle that is being insured is a significant factor when quoting economical coverage for government employees. Vehicles with higher performance characteristics, poor crash test ratings, or high incidents of liability claims will cost significantly more to insure than safer, lower-performance models.
The list below ranks car insurance rates for a selection of the most budget-friendly vehicles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 2WD | $853 |
| Honda CR-V LX 2WD | $943 |
| Ford Focus S 4-Dr Sedan | $970 |
| Ford Edge Limited 2WD | $976 |
| Ford Fusion S 4-Dr Sedan | $989 |
| Volkswagen Jetta LE 4-Dr Sedan | $997 |
| Dodge Grand Caravan Hero | $989 |
| Toyota Prius | $1,015 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,018 |
| Toyota Tacoma 4WD | $1,022 |
| Ford F-150 XL Regular Cab 4WD | $1,032 |
| Toyota Camry SE | $1,042 |
| Honda Odyssey EX | $1,059 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $1,061 |
| Chevrolet Equinox LT 2WD | $1,081 |
| Chevrolet Impala LT | $1,090 |
| Honda Civic DX 4-Dr Sedan | $1,088 |
| Toyota RAV4 Limited 4WD | $1,112 |
| Ford Explorer Eddie Bauer AWD | $1,137 |
| Toyota Corolla XLE | $1,141 |
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Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in specific location which can decrease or increase prices significantly.
Looking at the data, vehicles like the Ford Escape, Honda CR-V, Ford Focus, and Ford Edge are some of the more affordable vehicles to insure for state and federal workers.
Irresponsible driving raises your rates
The obvious way to find affordable auto insurance premiums in Irvine for state and federal workers is to drive attentively and avoid accidents and keep your driving record clean. The chart below demonstrates how citations and at-fault fender-benders can raise car insurance rates for each different age category. The data is based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.
The data in the chart shows the average cost of a car insurance policy per year with no accidents or violations is $2,467. Get one speeding ticket and the average cost rises to $2,787, an increase of $320 each year. Now add in one accident along with the one speeding ticket and the yearly cost of auto insurance for government employees increases to an average of $3,677. That’s an increase of $1,209, or $101 per month, just for being a careless driver!
Selecting a highly-rated auto insurance company can be rather challenging considering how many companies there are to choose from in Irvine. The information shown below may help you pick which coverage providers you want to consider when shopping insurance around for government employees.
The rankings below include companies that insure vehicles nationwide, so smaller regional companies are not taken into consideration for these rankings. To compare prices from these top-rated insurers and more, 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 |
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Data Source: Insure.com Best Car Insurance Companies
Why you should be comparing rates
Irvine, CA auto insurance rates are based on many factors that will increase or decrease the price you pay for coverage. Turning one year older, buying a new vehicle, or getting a ticket for careless driving can cause premium changes that may make certain companies more affordable than the competition. Not only that, but auto insurance companies amend premium rates every year in order to be able to pay unexpected claims. Higher than normal claims can cause increased rates, while lower claim expenses may cause more affordable Irvine car insurance rates.
The graph below compares the cheapest car insurance in Irvine, CA for a 30-year-old female driver with a good driving record, no prior claims, and excellent credit. Based on her personal risk profile, USAA may offer the cheapest car insurance rates in Irvine at $1,143 a year. This is $508 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the top five cheapest Irvine, CA auto insurance companies.
Now we will give the driver from above a chargeable accident, a little lower credit rating, and a blemish on her driving record. Because each company has a proprietary method to set premium rates, analyzing rates could result in a different ranking of affordable companies as shown below.
Grange now has the best auto insurance rate in Irvine with Mercury, Progressive, Allied, and Allstate now rounding out the top five. This example proves why it is crucial to compare as many rates as possible when trying to get the best car insurance quotes for government employees.
Auto insurance prices are made up of many factors and can increase or decrease at any time, so the cheapest rate two years ago may now be one of the higher cost companies.
If you have questions and prefer to get some professional input when trying to find the best insurance rates for state and federal workers, the agents below are a good start to answer your questions and help you decide which car insurance company is the best fit.
To locate an agency near you, click the button at the bottom or click here to compare prices now.
Roger Stone Insurance Agency
5015 Birch St – Newport Beach, CA 92660 – (949) 757-0270
California Agency Insurance
17632 Irvine Blvd # 235 – Tustin, CA 92780 – (714) 731-8300
Church and Casualty Insurance
3440 Irvine Ave # 150 – Newport Beach, CA 92660 – (949) 852-8558
SureCo Insurance Agency
201 Sandpointe Ave Suite 600 – Santa Ana, CA 92707 – (866) 845-9815
Hodge and Hodge Insurance Inc
10 Hughes # 205 – Irvine, CA 92618 – (949) 458-0442
View map of Irvine, CA insurance agents
How to find cheaper car insurance for government employees
Below you’ll find a few thrifty suggestions that can help drivers get more affordable coverage.
- Be a cautious driver
- Buying your home and auto policies from the same company can earn a discount
- Pay for smaller claims out-of-pocket
- Full coverage is expensive so only insure older vehicles for liability only
- Accidents can significantly increase rates
- Safer vehicles generally have cheaper insurance rates
- Compare prices frequently to find the best deal
That last piece of advice is extraordinarily valuable, as was emphasized in the article above. Coverage prices vary considerably, so drivers shouldn’t hesitate to change to a new company if a lower price can be found.
Many drivers tend to have loyalty to a certain company, but we do not recommend it if that dedication is costing money that could be used for better things. In just a couple of minutes you could compare prices to find cheaper car insurance for government employees in Irvine.