GEICO offers the lowest car insurance rates in Irvine — $479 per year for minimum coverage and $1,100 annually for full coverage. Other affordable insurers in the city include AAA, Progressive and State Farm.
Car Insurance in Irvine
Updated: August 10, 2025
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Key Takeaways
Irvine's cheapest car insurance companies are GEICO, Progressive and AAA, with savings up to 41% compared to the city average.
Monthly car insurance costs in Irvine average $147 for full coverage and $70 for minimum coverage.
To find the best cheap auto insurance in Irvine, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Irvine?
| GEICO | $40 | $92 | -41% |
| Progressive | $54 | $102 | -30% |
| AAA | $51 | $116 | -25% |
| State Farm | $60 | $133 | -14% |
| Wawanesa | $71 | $139 | -6% |
Compare the Cheapest Irvine Car Insurance for You
Your car insurance rate depends heavily on your driving history and personal details. Check the table below to find the cheapest insurance company for your specific driver profile.
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $40 | $479 | -44% |
| AAA | $51 | $608 | -29% |
| Progressive | $54 | $642 | -25% |
| State Farm | $60 | $716 | -16% |
| Mercury Insurance | $70 | $837 | -2% |
Cheapest Car Insurance by Age Group in Irvine
Car insurance rates in Irvine vary significantly based on age. We analyzed rates across three age groups to find the most affordable options:
- Young drivers (16 to 25) get the lowest rates from GEICO at $81 per month
- Adult drivers (26 to 64) find the best rates with GEICO at $40 per month
- Senior drivers (65+) see the lowest premiums from GEICO at $43 per month
Cheapest Car Insurance for Young Drivers in Irvine
GEICO and State Farm provide the most affordable car insurance options for young drivers in Irvine, with monthly premiums starting at $81 and $85 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $81 | $971 | -38% |
| State Farm | $85 | $1,016 | -35% |
| Wawanesa Insurance | $99 | $1,184 | -25% |
| Farmers | $107 | $1,288 | -18% |
| Progressive | $116 | $1,397 | -11% |
Cheapest Car Insurance for Adult Drivers in Irvine
In Irvine, GEICO provides the lowest rates for adult drivers (26 to 64), saving policyholders around 44% on average. AAA and Progressive also rank among the most affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $40 | $479 | -44% |
| AAA | $51 | $608 | -29% |
| Progressive | $54 | $642 | -25% |
| State Farm | $60 | $716 | -16% |
| Mercury Insurance | $70 | $837 | -2% |
Cheapest Car Insurance for Senior Drivers in Irvine
For Irvine seniors aged 65 and up, GEICO offers the lowest rates for both coverage types. Minimum coverage costs $43 per month or $520 annually, while full coverage runs $98 monthly or $1,175 per year.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $43 | $520 | -48% |
| State Farm | $51 | $609 | -40% |
| Progressive | $68 | $818 | -19% |
| AAA | $69 | $830 | -18% |
| Wawanesa Insurance | $73 | $877 | -13% |
Cheapest Car Insurance for High-Risk Drivers in Irvine
If you're a high-risk driver in Irvine, these insurance companies offer the lowest rates based on your situation:
- Cheapest With a DUI: GEICO (from $96 per month)
- Cheapest With an Accident: AAA (from $70 per month)
- Cheapest With a Speeding Ticket: GEICO (from $60 per month)
Cheapest Car Insurance With a DUI in Irvine
GEICO offers the most affordable car insurance rates for Irvine drivers with a DUI. You can save up to 44% on minimum coverage compared to typical city rates.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Geico | $96 | $1,148 | -44% |
| Progressive | $121 | $1,447 | -29% |
| Mercury Insurance | $122 | $1,458 | -29% |
| Farmers | $128 | $1,540 | -25% |
| Auto Owners | $137 | $1,645 | -19% |
Cheapest Car Insurance With an Accident in Irvine
AAA offers the lowest car insurance rates in Irvine for male drivers with an accident, with premiums starting at $70 per month. These rates are 38% below the city average, making AAA a particularly affordable choice after an accident.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| AAA | $70 | $843 | -38% |
| Geico | $71 | $849 | -37% |
| Progressive | $87 | $1,047 | -23% |
| Auto Owners | $91 | $1,095 | -19% |
| State Farm | $92 | $1,105 | -19% |
Cheapest Car Insurance With a Speeding Ticket in Irvine
For Irvine drivers with a speeding ticket, GEICO offers the most affordable car insurance options. Their minimum liability coverage costs about $60 per month, while full coverage with higher limits runs around $135 monthly.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Geico | $60 | $717 | -43% |
| AAA | $66 | $797 | -36% |
| Progressive | $79 | $953 | -24% |
| Auto Owners | $88 | $1,051 | -16% |
| State Farm | $89 | $1,064 | -15% |
Best Car Insurance Companies in Irvine
In Irvine, the top car insurance companies are Progressive, GEICO, AAA and State Farm. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| Progressive | 91 | 2 | 3 | 2 |
| GEICO | 87 | 1 | 7 | 7 |
| AAA | 84 | 3 | 5 | 7 |
| State Farm | 81 | 4 | 4 | 7 |
| Auto Owners | 81 | 8 | 1 | 6 |
Progressive: Best Overall Provider
pros
Strong customer service ratings
Extensive coverage options available
Competitive rates across driver categories
cons
Higher rates than some competitors
Limited discounts compared to others
COMPANY HIGHLIGHTS
Progressive ranks as Irvine's top car insurance provider with strong performance across all categories. The company stands out for customer service quality and comprehensive coverage options. Monthly rates start at $54 for minimum coverage and $102 for full coverage. Progressive's high coverage score means customers get access to useful add-ons and customization options.
GEICO: Most Affordable Coverage
pros
Lowest rates in Irvine
Many driver discounts available
Simple online experience
cons
Basic coverage options
Lower customer service scores
COMPANY HIGHLIGHTS
GEICO offers Irvine's most affordable car insurance with rates starting at $40 monthly for minimum coverage and $92 for full coverage. The company ranks first for affordability in several categories including young drivers, senior drivers, and those with driving incidents. While GEICO excels in pricing, it provides fewer coverage options than other top insurers. The company works best for drivers prioritizing low rates over premium features.
How Much Is Car Insurance in Irvine?
In Irvine, minimum coverage costs about $70 per month or $837 per year, ranking 1,079th out of all California cities for affordability. Full coverage averages $147 monthly or $1,769 annually, ranking 1,072nd among California cities.
| Full Coverage | $147 | $1,769 |
| Minimum Coverage | $70 | $837 |
Compare Personalized Irvine Car Insurance Costs
Since your profile may differ from typical rate breakdowns, use this table to find average Irvine rates based on your age, driving record and other personal factors.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $203 | $2,438 | 6% |
Irvine Car Insurance Costs by ZIP Code
In Irvine, car insurance rates by ZIP code range from $62 to $188 per month. ZIP code 92612 is the most expensive, while 92604 is the cheapest. Check the average rates for your ZIP code below.
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Zip Code:92602
| 92602 | $63 | $135 |
How to Get the Best Cheap Irvine Car Insurance
Car insurance rates in Irvine rank among California's highest, making it challenging to find affordable coverage that meets your needs. Our step-by-step guide shows you proven ways to lower your premiums while maintaining strong protection.
- 1
Calculate your coverage requirements
Start by determining how much coverage you actually need for your situation. Use our car insurance coverage needs calculator to evaluate your needs based on your car's value, assets and risk tolerance.
- 2
Explore alternative insurance options
Look into different types of car insurance that might better fit your lifestyle. If you drive infrequently, pay-per-mile coverage could save you money. Don't own a car? Consider non-owner insurance for occasional driving.
- 3
Know the local price range
Research average vehicle insurance costs in Irvine to set realistic expectations. Understanding typical rates helps you recognize good deals and avoid overpaying. Local factors like traffic density and theft rates influence your premiums.
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Stack available discounts
Maximize savings through multiple car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, professional organization memberships and good student discounts can also reduce your rates.
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Check company reputation and service
Research potential insurers' customer service ratings and claims satisfaction scores. Look for companies with strong local presence in Irvine and positive reviews from area customers. A slightly higher premium from a reliable insurer often saves money long-term.
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Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites to ensure you're seeing all available options. Each company uses different factors to set rates, so comparing multiple quotes is essential.
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Review coverage annually
Set a yearly reminder to review your policy and shop for new quotes. Life changes like improved credit scores, safer driving records, or reduced mileage can qualify you for better rates.
Cheapest Car Insurance in Irvine: Bottom Line
Car insurance rates in Irvine depend on your age, driving record and vehicle type. While GEICO and Progressive offer the lowest average premiums in the area, compare quotes from multiple providers to find your best rate.
Cheap Irvine Car Insurance: FAQ
Our FAQ section answers common questions about finding affordable car insurance in Irvine. We've researched local rates and coverage options to help you get the best value for your needs.
What is the cheapest car insurance company in Irvine, California?
GEICO offers the lowest rates in Irvine, with average annual premiums of $479 for minimum coverage and $1,100 for full coverage. Individual rates vary based on personal factors, so compare quotes.
Who offers the best car insurance in Irvine?
Progressive leads Irvine's car insurance market with a MoneyGeek score of 91 out of 100, scoring four points higher than GEICO. Progressive delivers excellent value through competitive rates and quality service.
What is the average cost of car insurance in Irvine?
In Irvine, drivers pay $1,769 annually for full coverage and $837 for minimum coverage auto insurance. Your actual rates will vary based on individual factors.
Is car insurance in Irvine expensive?
Car insurance in Irvine is more expensive than average, ranking 1079th for minimum coverage affordability and 1072nd for full coverage compared to other California cities.
How We Chose the Best and Cheapest Car Insurance in Irvine, CA
To help Irvine drivers find the most affordable auto insurance companies, MoneyGeek analyzed Irvine auto insurance rates based on data and information from the California Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Irvine and hundreds of thousands of quotes for 12 companies offering auto insurance in California to tailor options as closely as possible to you.
Irvine Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Irvine with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Irvine
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in California are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Irvine based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.