The car, truck, or SUV driven is a large factor when comparing quotes for cheaper coverage for hybrid vehicles. Vehicles with lower performance, good crash test ratings, or a positive history of liability claims will cost substantially less to insure than higher performance models.
The list below features coverage premiums for a number of the cheapest automobiles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 2WD | $812 |
| Honda Accord EX 4-Dr Sedan | $870 |
| Honda CR-V LX 2WD | $898 |
| Toyota RAV4 4WD | $942 |
| Hyundai Elantra Blue 4-Dr Sedan | $974 |
| Jeep Wrangler Sahara 4WD 2-Dr | $979 |
| Honda Odyssey LX | $988 |
| Toyota Prius | $992 |
| Kia Optima LX | $1,009 |
| GMC Sierra SLT Extended Cab 4WD | $1,011 |
| Chevrolet Equinox LS AWD | $1,031 |
| Volkswagen Jetta S 4-Dr Sedan | $1,039 |
| Nissan Rogue SL AWD | $1,059 |
| Ford Focus SE 2-Dr Coupe | $1,066 |
| Jeep Grand Cherokee Laredo 2WD | $1,059 |
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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 homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Table data does not factor in vehicle location which can lower or raise auto insurance rates noticeably.
Looking at the rates, we can conclude that cars like the Ford Escape, Honda Accord, Honda CR-V, Toyota RAV4, and Hyundai Elantra will definitely be a few of the less-costly vehicles to insure for hybrids.
For hybrids, one of the big considerations that aid in calculating car insurance rates is your address. Regions with larger populations or more claims are more likely to pay higher prices, whereas areas with lower vehicle theft rates and fewer weather claims tend to receive slightly lower rates.
The following table ranks the most expensive areas in California for hybrid vehicles to buy auto insurance in. Irvine comes in at #20 with an annual premium of $1,371 for car insurance, which is approximately $114 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,083 |
| 2 | Glendale | $2,079 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,755 |
| 5 | Sacramento | $1,720 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,626 |
| 8 | Fontana | $1,581 |
| 9 | Stockton | $1,556 |
| 10 | Riverside | $1,542 |
| 11 | Santa Clarita | $1,533 |
| 12 | Garden Grove | $1,524 |
| 13 | Fresno | $1,502 |
| 14 | Moreno Valley | $1,491 |
| 15 | Modesto | $1,487 |
| 16 | Santa Ana | $1,483 |
| 17 | Anaheim | $1,444 |
| 18 | San Jose | $1,437 |
| 19 | Huntington Beach | $1,416 |
| 20 | Irvine | $1,371 |
| 21 | Fremont | $1,361 |
| 22 | Bakersfield | $1,353 |
| 23 | San Diego | $1,327 |
| 24 | Oxnard | $1,318 |
| 25 | Chula Vista | $1,311 |
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Table data uses estimated as the garaging address in Irvine can change insurance rates substantially.
Figuring out which company quotes the best car insurance rates for hybrid vehicles requires more work in order to find the best policy.
Each company uses their own method for setting prices, so we’ll go over the car insurance companies that tend to have lower prices in Irvine, CA. It’s important that readers know that Irvine car insurance rates are determined by lots of factors that will increase or decrease the price you pay for coverage. Turning one year older, filing a claim, or getting a ticket for careless driving can trigger changes in premium that may make certain companies cheaper than competitors.
Cheapest Insurance Rates for Hybrids
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,491 |
| 8 | Allstate | $1,497 |
| 9 | GEICO | $1,513 |
| 10 | Mercury | $1,548 |
| 11 | Progressive | $1,558 |
| 12 | MetLife | $1,590 |
| 13 | Allied | $1,603 |
| 14 | The Hartford | $1,623 |
| 15 | State Farm | $1,699 |
| 16 | Unitrin | $1,750 |
| 17 | Esurance | $1,756 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $1,966 |
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USAA quotes some of the best car insurance rates in Irvine at around $1,121 each year. This is $530 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also qualify as some of the more affordable Irvine, CA auto insurance companies.
As illustrated above, if you buy coverage from CSAA and switched to Wawanesa, you could realize yearly savings of around $76. Policyholders with Nationwide may save as much as $104 a year, and 21st Century insureds might lower prices by up to $192 a year.
To compare your rates to other California insurance companies, click here to get a free quote or visit several of the following companies.
These policy prices are averaged across all types of drivers and the different vehicles they drive and are not factoring in a specific location for hybrid vehicles. So the insurer that is best suited for you may not even be in the list above. That is why you need to get car insurance quotes using your own specific driver and vehicle information.
Types of discounts on Irvine insurance
Car insurance companies that offer quotes for hybrid vehicles may have discounts that could reduce prices by 40% or more if you meet specific criteria. Popular car insurance companies and a partial list of their discounts include:
- Farmers Insurance discounts include teen driver, good student, business and professional, youthful driver, and switch companies.
- Esurance has discounts for online shopper, good student, emergency road assistance, anti-lock brakes, defensive driver, and homeowner.
- State Farm may include discounts for passive restraint, student away at school, safe vehicle, driver’s education, and defensive driving training.
- GEICO offers discounts including air bags, emergency military deployment, defensive driver, multi-policy, multi-vehicle, anti-theft, and seat belt use.
- Allstate may offer discounts for teenSMART discount, 55 and retired, farm vehicle, early signing, passive restraint, auto/life discount, and safe driver.
The information below shows the difference between car insurance rates with and without discounts applied. The information is based on a male driver, no claims, a clean driving record, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with defensive driving course, anti-theft, homeowner, accident-free, marriage, and multiple vehicle discounts applied. In this example, theaverage amount saved on car insurance for hybrid vehicles is 28% or $777.
How violations and accidents impact rates
One of the best ways to snag affordable car insurance premiums in California for hybrids is to drive carefully and avoid at-fault accidents and violations. The information below shows how speeding tickets and at-fault collisions can affect annual premium costs for each age group. The premium estimates are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied.
In the example above, the average cost of an auto insurance policy in Irvine per year with no violations or accidents is $2,637. Get two speeding tickets and the average cost jumps to $3,530, an increase of $894 each year. Now throw in one accident along with the two speeding tickets and the 12-month cost of car insurance for hybrid vehicles increases to an average of $4,448. That’s an increase of $1,811, or $151 per month, just for being a little careless behind the wheel!
The importance of comparing Irvine car insurance rates
California car insurance rates are determined by lots of factors that can increase your annual premium. Improving your credit score, having a teen driver, or getting a DUI can trigger price changes that can now make some companies affordable when they were higher priced.
Additionally, insurance companies amend premium rates as often as every quarter in order to protect their financial rating. An unexpected high level of claims may result in additional price hikes, while a lower level of claims can produce cheaper Irvine car insurance rates.
As an example, the graph below demonstrates which company has the cheapest car insurance in Irvine, CA for a 40-year-old female driver with no violations or accidents, and a high credit rating. When quoting prices based on her current situation, USAA offers the lowest car insurance rates in Irvine at $1,148 per year. This is $503 less than the average premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are also on the list of the cheapest Irvine, CA auto insurance companies.
The example below compares rates after we give the driver in the first example a claim, bad credit, and a traffic citation. Since every car insurance company has a unique approach for determining rates, comparing insurance quotes could now result in a substantially altered list of companies as shown below.
Grange now has the best price on car insurance in Irvine with Progressive, GEICO, Allstate, and Mercury now rounding out the top five. This example demonstrates why California drivers need to perform a complete rate comparison when trying to find the cheapest auto insurance rates for hybrid vehicles. Auto insurance prices are calculated by many different factors and can decrease or increase without notice, so the cheapest rate the last time you shopped your coverage around may now cost much more than other companies.
If you have questions and prefer to get some professional input when buying car insurance for hybrid vehicles, the agents listed below are willing to help you make a decision which auto insurance coverages would be the best in your situation. To locate an agency close to you, click the button link following the list or click here to compare price quotes now.
- Rich Stevens – State Farm Insurance Agent
4482 Barranca Pkwy #224 – Irvine, CA 92604 – (949) 552-6601 - Ken LaTourette – State Farm Insurance Agent
1032 Irvine Blvd – Tustin, CA 92780 – (714) 544-3779 - Farmers Insurance – Berdy Gonzalez-Lubnau
41 Corporate Park #240 – Irvine, CA 92606 – (714) 263-2623 - Chris Barr – State Farm Insurance Agent
17802 Irvine Blvd a121 – Tustin, CA 92780 – (714) 544-2558 - California Agency Insurance
17632 Irvine Blvd # 235 – Tustin, CA 92780 – (714) 731-8300