The words “bargain” and “insurance” really don’t belong together, especially when you are shopping around for the lowest insurance rates for 4×4 vehicles. To help control this cost, let’s open your eyes to some of the factors that influence car insurance rates, and come up with some ways to take the bite out of your next policy.
One of the many things that determine the amount you pay for auto insurance is where you keep your vehicle in Irvine. Larger areas tend to have more expensive car insurance rates, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper auto insurance prices.
The information below ranks the most expensive places in California for 4×4 vehicles to purchase a policy in. Irvine shows up at #21 with the annual price of $1,384 on average, which is about $115 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,121 |
| 3 | Oakland | $1,704 |
| 4 | Sacramento | $1,703 |
| 5 | San Francisco | $1,693 |
| 6 | Long Beach | $1,626 |
| 7 | San Bernardino | $1,596 |
| 8 | Santa Clarita | $1,595 |
| 9 | Stockton | $1,588 |
| 10 | Moreno Valley | $1,536 |
| 11 | Fontana | $1,535 |
| 12 | Garden Grove | $1,524 |
| 13 | Fresno | $1,517 |
| 14 | Riverside | $1,497 |
| 15 | Modesto | $1,487 |
| 16 | Anaheim | $1,474 |
| 17 | Santa Ana | $1,453 |
| 18 | Huntington Beach | $1,416 |
| 19 | San Jose | $1,395 |
| 20 | Fremont | $1,389 |
| Start a Quote Go | ||
Rates are approximated as the garaging address in Irvine can alter premiums noticeably.
The vehicle model you are seeking coverage for is probably the biggest factor when shopping for cheaper car insurance for 4×4 vehicles. Vehicles with economical engines, an excellent safety record, or a track record of few liability claims will cost much less to insure than adrenaline junky models.
The table below presents insurance rates for a handful of the most cost-effective automobiles to insure in California.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $788 |
| Honda CR-V EX-L 2WD | $806 |
| Hyundai Elantra SE Touring Station Wagon | $856 |
| Chevrolet Silverado LS Regular Cab 4WD | $866 |
| Ford Escape XLT 4WD | $880 |
| Jeep Wrangler Sport 4WD 2-Dr | $888 |
| Chevrolet Equinox LT AWD | $934 |
| Dodge Grand Caravan Crew | $950 |
| Ford Explorer Eddie Bauer 4WD | $957 |
| Toyota Tacoma Double Cab 4WD | $950 |
| Ford F-150 Lariat Super Cab 4WD | $959 |
| Honda Civic VP 4-Dr Sedan | $966 |
| Honda Odyssey EX-L | $984 |
| Toyota Camry SE | $993 |
| Toyota Prius | $986 |
| Start Your Quote Go | |
Premium 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-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Price estimates do not factor in specific Irvine, CA garaging location which can increase or decrease auto insurance rates significantly.
Looking at the data, you can infer that models like the Honda Accord, Honda CR-V, Hyundai Elantra, and Chevrolet Silverado should be the most economical vehicles to insure for off-road vehicles.
Finding low-priced auto insurance is hard enough, and finding out which company quotes the cheapest auto insurance rates for 4×4 vehicles will involve additional perseverance.
Each insurer has a different formula to establish rates, so let’s begin by examining the overall cheapest auto insurance companies in Irvine, CA.
Best Cheap Insurance Rates for 4×4’s
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,146 |
| 3 | CSAA | $1,198 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,477 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,503 |
| 10 | GEICO | $1,513 |
| 11 | Allied | $1,541 |
| 12 | Progressive | $1,558 |
| 13 | The Hartford | $1,575 |
| 14 | MetLife | $1,606 |
| 15 | Esurance | $1,688 |
| 16 | Unitrin | $1,699 |
| 17 | State Farm | $1,699 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $1,946 |
| Find Cheaper Rates Go | ||
USAA offers some of the cheapest car insurance rates in Irvine at around $1,121 each year. Wawanesa, CSAA, Century National, and Nationwide also qualify as some of the more affordable Irvine, CA auto insurance companies.
In the above rates, if you are currently insured with Wawanesa and switched to USAA, you could realize a yearly savings of in the vicinity of $25. Drivers with CSAA might save as much as $77 a year, and Century National insureds might reduce prices by as much as $105 a year.
To discover how much you can save, click here to begin a quote or visit any of the low-priced companies below.
It’s important to note that these policy rates are averages for all drivers and vehicles in California and are not factoring in a specific location for 4×4 vehicles. So the company that has the lowest price for you may not even be in the list above. That point stresses why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
Selecting the top insurer is difficult considering how many different companies there are to choose from in Irvine. The rank data displayed below could help you pick which auto insurance companies to look at when comparing rates.
These rankings only include major nationwide insurance companies, so companies that only write business in California or surrounding areas are not taken into consideration for these rankings. To check prices from the insurers below 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Should you buy full coverage?
Reducing the cost of auto insurance should be important to most drivers, and one of the quickest ways to save on the cost of insurance for 4×4 vehicles is to not insure for full coverage. The information below shows the comparison of insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no accidents or driving violations, $1,000 deductibles, single marital status, and no other discounts are factored in.
If averaged out across all ages, full coverage costs $1,849 per year over and above liability coverage. That is a significant amount which raises the question if you should buy full coverage. There is no written rule for eliminating physical damage insurance, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
There are some situations where dropping full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not opt for liability only.
The example below shows how different deductible levels can affect insurance rates when researching cheap insurance for 4×4 vehicles. The data is based on a single female driver, full physical damage coverage, and no policy discounts are applied.
As shown above, a 50-year-old driver could reduce rates by $476 a year by changing from a $100 deductible up to a $500 deductible, or save $712 by switching to a $1,000 deductible. Young drivers, like the 20-year-old example, could drop their prices $1,216 or more just by using higher deductibles.
When insureds make the decision to increase the deductibles on their policy, it is essential to have emergency funds available to allow you to pay the extra out-of-pocket expense that comes with higher deductibles.
Are you paying too much for car insurance in Irvine?
California auto insurance rates are based on many factors that can increase the price of coverage. Simply having a birthday, increasing liability limits, or getting a driving violation can produce rate changes resulting in some companies being affordable when they were higher priced. In addition to those changes, companies change the rates they charge in California as often as every quarter as an adjustment for underwriting gains or losses. An unexpected high level of claims can result in higher rates, while lower claims can cause cheaper Irvine car insurance rates.
The data below analyzes the cheapest car insurance in Irvine, CA for a 35-year-old female driver with no violations or accidents, and a high credit rating. If we estimate prices based on her personal profile, USAA may have the cheapest car insurance rates in Irvine at $1,121 each year. This is $530 less than the average price 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.
Let’s now give the driver from the first example an accident surcharge, a lower credit rating, and a few blemishes on her driving record. Due to the fact that each insurance company has a different process for filing rates in each state, analyzing rates may now present a different list of the cheapest companies as shown below.
Grange now has the cheapest rate in Irvine with Allied, Progressive, Mercury, and Allstate also having competitive pricing. This example proves why Irvine drivers need to compare many different companies to get affordable insurance rates for 4×4 vehicles. Insurance prices consist of many things and can change without notice, so the most affordable company the last time you shopped around may now be priced much higher than other options.
The professional agents shown below can probably aid you in deciding which coverages and limits you need, since lots of people like to get some professional input when shopping around for cheaper insurance for 4×4 vehicles. It can be time-consuming to find the cheapest auto insurance company, so a licensed agent can bring satisfaction knowing your policy gives you sufficient coverage for your assets. To find an Irvine insurance agency using an interactive map, click the button following the list.
- Farmers Insurance – Al Kash
17702 Mitchell N – Irvine, CA 92614 – (949) 216-3620 - John Luithly – State Farm Insurance Agent
16277 Laguna Canyon Rd F – Irvine, CA 92618 – (949) 727-4442 - Church and Casualty Insurance
3440 Irvine Ave # 150 – Newport Beach, CA 92660 – (949) 852-8558