For drivers age 25 and younger, one of the largest factors that determine the price you pay for insurance is your zip code in Irvine. Areas with a lot of weather claims or more people tend to pay slightly more, whereas areas with less crime or weather claims have the gratification of cheaper auto insurance rates.
The following table shows the highest-priced areas in California for drivers under 25 to buy car insurance in. Irvine is ranked #23 with a yearly cost of $1,330 for coverage, which is approximately $111 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,058 |
| 3 | Oakland | $1,738 |
| 4 | Sacramento | $1,720 |
| 5 | San Francisco | $1,711 |
| 6 | San Bernardino | $1,644 |
| 7 | Stockton | $1,588 |
| 8 | Santa Clarita | $1,580 |
| 9 | Garden Grove | $1,570 |
| 10 | Long Beach | $1,562 |
| 11 | Riverside | $1,527 |
| 12 | Fontana | $1,519 |
| 13 | Santa Ana | $1,497 |
| 14 | Moreno Valley | $1,491 |
| 15 | Modesto | $1,487 |
| 16 | Anaheim | $1,474 |
| 17 | Fresno | $1,457 |
| 18 | San Jose | $1,437 |
| 19 | Fremont | $1,361 |
| 20 | Huntington Beach | $1,360 |
| 21 | Oxnard | $1,344 |
| 22 | Bakersfield | $1,340 |
| 23 | Irvine | $1,330 |
| 24 | San Diego | $1,327 |
| 25 | Chula Vista | $1,298 |
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Annual rates are approximated as the specific zip code location can influence coverage prices greatly.
The car, truck, or SUV on the policy is probably the most important factor when comparing quotes for the cheapest insurance for drivers under 25. Vehicles with high performance, a lack of advanced safety features, or an increased likelihood of liability claims will cost significantly more to insure than more economical and safe models. The next table presents car insurance rates for a handful of the most budget-friendly automobiles to buy coverage for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $1,943 |
| Ford Escape XLS 2WD | $1,952 |
| Honda CR-V EX-L 4WD | $1,970 |
| Toyota Prius | $2,126 |
| Honda Odyssey LX | $2,150 |
| Ford F-150 STX Regular Cab 2WD | $2,158 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $2,177 |
| Ford Edge SEL AWD | $2,275 |
| Toyota RAV4 Limited 4WD | $2,303 |
| Chevrolet Equinox LT AWD | $2,310 |
| Ford Fusion S 4-Dr Sedan | $2,303 |
| Jeep Grand Cherokee Laredo 2WD | $2,313 |
| Chevrolet Malibu LS | $2,303 |
| Ford Explorer Eddie Bauer 4WD | $2,333 |
| Dodge Grand Caravan SXT | $2,342 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $2,333 |
| Ford Focus SEL 4-Dr Sedan | $2,399 |
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Data variables include single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can decrease or increase auto insurance rates greatly.
Looking at the numbers, you can figure that vehicles like the Honda Accord, Ford Escape, Honda CR-V, and Toyota Prius are most likely to be a few of the most economical vehicles to insure for drivers age 25 and younger. Rates will tend to be more expensive anyway just because there is a higher risk for drivers under 25, but overall those particular vehicles will probably have the cheapest auto insurance rates that you are likely to find.
Violations and accidents raise rates
A great way to earn the best insurance premiums for drivers age 25 and younger is to be a cautious driver and avoid getting tickets or having accidents. The diagram below highlights how speeding tickets and fender-benders drive up auto insurance rates for each age group. The price estimates are based on a single male driver, comp and collision included, $250 deductibles, and no policy discounts are applied.
The data in the chart shows the average cost of a car insurance policy per year with no accidents or violations is $3,093. Add in two speeding tickets and the average cost hikes up to $4,103, an increase of $1,010 each year. Now get one accident along with the two speeding tickets and the 12-month cost of insurance for drivers under 25 increases to an average of $5,133. That’s an increase of $2,040, or $170 per month, just for a couple of infractions!
Choosing the top company can be challenging considering how many different companies there are to choose from in Irvine. The ranking information listed below can help you pick which insurers to look at comparing rates with.
The rankings below are only made up of the largest companies in America, so companies that have a smaller presence are not taken into consideration for these rankings. To get rate quotes and find cheaper insurance for drivers under 25, just 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
The diagram below demonstrates how deductible levels can raise or lower annual premium costs when trying to find cheap insurance for drivers under 25. The prices are based on a single male driver, full physical damage coverage, and no additional discounts are factored in.
In the chart above, a 40-year-old driver could lower their policy premium by $492 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $738 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could roll back prices as much as $1,640 each year just by choosing higher deductibles.
When insureds make the decision to increase the deductibles on their policy, it is essential to have emergency funds available to cover the extra out-of-pocket expense, which deters some people from using high deductibles.