The words “cheap” and “insurance” really don’t belong together, especially when trying to find the best insurance rates for drivers with good credit. Let’s lead off by showing you some of the factors that have an effect on auto insurance prices, and see if you can reduce the cost of your next policy.
One of the many components that aid in calculating the amount you pay each year for auto insurance is where your car is garaged. More densely populated places will most likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.
The illustration below sorts the most expensive places in California for drivers with good credit to buy an auto insurance policy in. Irvine is ranked #20 with a yearly cost of $1,371 for the average insured, which is approximately $114 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,142 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,738 |
| 5 | Sacramento | $1,703 |
| 6 | San Bernardino | $1,596 |
| 7 | Stockton | $1,588 |
| 8 | Fontana | $1,581 |
| 9 | Garden Grove | $1,570 |
| 10 | Long Beach | $1,562 |
| 11 | Santa Clarita | $1,533 |
| 12 | Riverside | $1,527 |
| 13 | Moreno Valley | $1,506 |
| 14 | Modesto | $1,502 |
| 15 | Anaheim | $1,488 |
| 16 | Fresno | $1,457 |
| 17 | Santa Ana | $1,439 |
| 18 | Huntington Beach | $1,402 |
| 19 | San Jose | $1,381 |
| 20 | Irvine | $1,371 |
| 21 | San Diego | $1,368 |
| 22 | Fremont | $1,361 |
| 23 | Bakersfield | $1,353 |
| 24 | Oxnard | $1,318 |
| 25 | Chula Vista | $1,311 |
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Rates are comparative as specific location information can change prices greatly.
The make and model of vehicle that needs insurance is a large factor when quoting affordable coverage for drivers with good credit. Vehicles with average performance, good crash test ratings, or a track record of few liability claims will cost quite a bit less to insure than adrenaline junky models. The next list features car insurance costs for a number of the most economical automobiles to insure in California.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $780 |
| Ford Edge SEL 2WD | $904 |
| Jeep Grand Cherokee Laredo 2WD | $922 |
| Dodge Ram 3500 Crew Cab Laramie 2WD | $940 |
| Honda CR-V EX 2WD | $956 |
| Chevrolet Impala LTZ | $970 |
| Toyota Prius | $988 |
| Volkswagen Jetta SEL 4-Dr Sedan | $993 |
| Honda Odyssey Touring | $988 |
| Jeep Wrangler Sport 4WD 2-Dr | $996 |
| Dodge Grand Caravan CV | $1,002 |
| Hyundai Sonata SE 4-Dr Sedan | $1,038 |
| Nissan Rogue SL AWD | $1,045 |
| Ford F-150 STX Regular Cab 2WD | $1,048 |
| Chevrolet Silverado LS Crew Cab 2WD | $1,056 |
| Chevrolet Equinox LT AWD | $1,058 |
| Toyota RAV4 2WD | $1,065 |
| Ford Explorer Eddie Bauer 2WD | $1,072 |
| Honda Civic EX 4-Dr Sedan | $1,094 |
| Ford Focus SEL 4-Dr Sedan | $1,099 |
| Ford F-250 XLT 4WD | $1,118 |
| Chevrolet Malibu Hybrid | $1,133 |
| Toyota Camry LE | $1,141 |
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price estimates do not factor in your specific Irvine, CA location which can affect insurance rates significantly.
Based upon the table data, we can conclude that cars like the Ford Escape, Ford Edge, Jeep Grand Cherokee, Dodge Ram 3500, and Honda CR-V will be a few of the more affordable vehicles to insure for financially responsible drivers.
Finding out which company offers the best car insurance rates for drivers with good credit calls for a little more work than just quoting one company’s rates.
Each company has a different formula for filing rates in each state, so let’s take a look at the lowest cost car insurance companies in Irvine, CA. Keep in mind that Irvine car insurance rates are influenced by many factors which can significantly increase or decrease the cost of your policy. Simply turning a year older, becoming a homeowner, or getting into an accident can trigger rate changes resulting in some rates now being cheaper than others.
Find the Cheapest Auto Insurance for High Credit
USAA may offer some of the best car insurance rates in Irvine at around $1,143 per year. This is $508 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the cheaper Irvine, CA auto insurance companies.
As shown in the rates above, if you currently have a policy with Century National and switched to USAA, you might see annual savings of around $35. Customers with CSAA could save as much as $43 a year, and Nationwide policyholders might see rate reductions of $83 a year.
Understand that those policy prices are averages across all insureds and vehicles and do not take into consideration a specific zip code for drivers with good credit. So the auto insurance company that fits your situation best may not even be in the list above. That affirms the importance of why you need to compare prices as often as possible using your own driver information and specific vehicle type.
Safe drivers pay cheaper rates
The common sense way to get the most affordable car insurance rates in Irvine for financially responsible drivers is to drive safely and avoid tickets and accidents. The example below illustrates how traffic citations and at-fault collisions increase auto insurance rates for different age groups of insureds. The data assumes a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.
The data in the chart shows the average cost of car insurance in California per year with no accidents and a clean driving record is $1,785. Get one speeding ticket and the average cost hikes up to $2,078, an increase of $293 each year. Then include one accident along with the one speeding ticket and the 12-month cost of car insurance for drivers with good credit jumps again to an average of $2,897. That’s an increase of $1,113, or $93 per month, just for being a little careless behind the wheel!
Picking the right insurance provider is difficult considering how many choices drivers have in Irvine. The rank data below may help you choose which auto insurance companies to look at shopping your coverage with. These rankings only include the largest companies in the United States, so companies with more of a regional focus will not be included in the list.
Top 10 Major Auto Insurance Providers Overall in Irvine
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Major Auto Insurance Providers in Irvine Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
The illustration below illustrates how your choice of deductibles can affect premium costs when getting quotes for cheap insurance for drivers with good credit. The information is based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
A 30-year-old driver could lower rates by $410 a year by changing from a $100 deductible up to a $500 deductible, or save $616 by switching to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could roll back prices up to $1,190 each year just by using higher deductibles.
If you do make the decision to raise your deductibles, it will be necessary to have additional funds squirreled away to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.