The type of vehicle to be insured is probably the largest consideration when comparing quotes for the most affordable coverage for uninsured drivers. Vehicles with higher performance characteristics, poor safety features, or high incidents of liability claims will cost significantly more to insure than more economical and safe models.
The next table shows insurance rates for a selection of the cheapest vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 2WD | $906 |
| Hyundai Elantra SE Touring Station Wagon | $964 |
| Honda CR-V EX 4WD | $993 |
| Toyota RAV4 Limited 2WD | $1,051 |
| Chevrolet Impala LT | $1,057 |
| Ford Edge SE 2WD | $1,063 |
| Toyota Prius | $1,080 |
| Honda Civic LX 4-Dr Sedan | $1,085 |
| Toyota Camry XLE | $1,106 |
| Jeep Grand Cherokee SRT-8 4WD | $1,125 |
| Toyota Corolla XRS | $1,131 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,125 |
| GMC Sierra SL Crew Cab 4WD | $1,134 |
| Compare Cheap Rates Go | |
Table data assumes 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, homeowner, claim-free, multi-policy, and safe-driver. Price estimates do not factor in specific location which can alter auto insurance rates considerably.
By looking at the data, you can figure that models like the Ford Escape, Hyundai Elantra, and Honda CR-V will definitely be some of the most budget-friendly vehicles to insure for drivers with no prior coverage.
Shopping around for reasonably-priced insurance is easier said than done, and figuring out which company has the best car insurance rates for uninsured drivers calls for a little more work. Every insurance company uses slightly different criteria for filing rates in each state, so let’s begin by examining the car insurance companies with the overall cheapest rates in Irvine.
It’s important that readers know that Irvine, CA car insurance rates are based on many factors which can substantially change the policy premium. Simply having a birthday, buying a different home, or getting a ticket for careless driving can trigger price changes resulting in some rates now being more expensive than before.
Cheap Insurance Rates in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,181 |
| 3 | CSAA | $1,186 |
| 4 | Century National | $1,214 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,433 |
| 8 | Allstate | $1,513 |
| 9 | GEICO | $1,513 |
| 10 | Mercury | $1,533 |
| 11 | Progressive | $1,542 |
| 12 | Allied | $1,588 |
| 13 | The Hartford | $1,591 |
| 14 | MetLife | $1,654 |
| 15 | State Farm | $1,699 |
| 16 | Esurance | $1,739 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $2,006 |
| Find Your Rate Go | ||
USAA has some of the most affordable car insurance rates in Irvine at around $1,143 per year. Wawanesa, CSAA, Century National, and Nationwide also make the cut as some of the most economical Irvine, CA car insurance companies.
As the rates illustrate above, if you are insured with Nationwide and switched to Wawanesa, you may realize a yearly savings of in the vicinity of $45. Drivers with 21st Century may save as much as $185 a year, and Grange customers might lower prices by $252 a year.
If you want to find out if you’re overpaying, click here to begin a quote or quote prices from the following companies.
It’s important to note that these policy rates are averages across all insureds and vehicles and do not factor in an exact location for uninsured drivers. So the company that has the cheapest rates for you may not even be in the top 24 companies shown above. That underscores the importance of why you need to get auto insurance quotes using your own driver data and vehicle information.
Irvine car insurance companies
Ending up with the highest-rated car insurance provider can be difficult considering how many companies sell insurance in Irvine. The company ratings shown below can help you choose which providers to look at when buying insurance for uninsured drivers. These rankings are only made up of companies that insure vehicles across America, so companies that only write business in California or surrounding areas are not included in this list.
Top 10 Major Auto Insurers Overall in Irvine
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Impact of speeding/accidents on car insurance rates
The best way to maintain cheap car insurance premiums in Irvine for drivers with no prior coverage is to be a safe driver and avoid traffic citations and accidents. The illustration below demonstrates how citations and fender-benders can influence premium costs for different age groups. The premiums are based on a married female driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.
In the previous example, the average cost of car insurance per year with no accidents and a clean driving record is $1,785. Factor in two speeding tickets and the average cost rises to $2,536, an increase of $752 each year. Now include one accident along with the two speeding tickets and the annual cost of car insurance for uninsured drivers goes up to an average of $3,288. That’s an increase of $1,503, or $125 per month, just for not maintaining a clean driving record!
If you aren’t sure which coverage you need and prefer to have the advice of a professional agent when buying car insurance for drivers with no prior coverage, the agencies below can most likely help you determine which car insurance policy is best. To find an Irvine insurance agent closest to you, click the button at the bottom of the list.
- Tustin Insurance Agency
17621 Irvine Blvd #112 – Tustin, CA 92780 – (714) 838-1704 - Isu Insurance Services Irvine
18022 Cowan Ste 225 – Irvine, CA 92614 – (949) 419-2100 - Ryan Hoherd, AFLAC Insurance Agent: Orange County, Long Beach, Riverside County
2770 S Harbor Blvd – Santa Ana, CA 92704 – (562) 212-3290 - John Luithly – State Farm Insurance Agent
16277 Laguna Canyon Rd F – Irvine, CA 92618 – (949) 727-4442 - Morning Star Agency Insurance Services Incorporated
1340 Reynolds Ave #103 – Irvine, CA 92614 – (949) 833-2030
More insurance agents in Irvine, CA
How to find more affordable auto insurance for uninsured drivers
The list below details some money-saving ideas that can help Irvine drivers get low-cost coverage.
- Better credit rating means better rates
- Buying home and auto insurance together can earn discounts
- Choose a safer vehicle and pay lower rates
- Drop full coverage on older vehicles
- Do not get into accidents that are your fault
- Keep rates low by comparing prices once a year
The last item on the list is certainly necessary, as we hit on in this article. Prices charged by companies can be changed at any time, so don’t be hesitant to buy a different policy if a more affordable rate is found. Sticking with a specific company is fine, but it’s not a good idea if that stubbornness costs you several hundred dollars every year. Take a few minutes and compare prices to find cheaper insurance for uninsured drivers in Irvine.