Cheapest and Best Car Insurance Companies in Irvine, CA

According to the latest quotes collected in 2023, GEICO is the cheapest provider for minimum coverage policies. It is also the best overall company, reflecting its balance of affordability and superb service.

Finding Irvine's cheapest car insurance provider depends on your personal driving record and coverage preferences. GEICO offers the lowest rates for full and minimum coverage policies, making it an excellent choice for drivers looking to save money. State Farm provides the cheapest coverage for teens and USAA offers the most affordable policies for military members.

Capital Insurance Group provides the least expensive premiums for drivers who have been involved in at-fault accidents or received speeding tickets, but for those with DUIs, National General has the lowest rates available.

Cheapest + BestCar InsuranceIrvine

2023

Cheapest and Best Car Insurance in Irvine, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - GEICO

Cheapest After Driving Offense - National General

Cheapest for Teens - State Farm

Cheapest for Military - USAA

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

Cheapest Minimum Liability Car Insurance in Irvine

The cheapest car insurance companies for a minimum coverage policy in Irvine are:

GEICO: $447 per year
Mercury: $499 per year

The most expensive company is National General, with an average premium of $865 per year.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
State Farm	$439	$37
GEICO	$442	$37
GEICO	$447	$37
Mercury	$499	$42
AAA California	$503	$42
Mercury	$512	$43
Progressive	$515	$43
Progressive	$522	$44
GEICO	$528	$44
AAA California	$530	$44
State Farm	$580	$48
Travelers	$587	$49
Travelers	$587	$49
Hartford	$587	$49
Progressive	$613	$51
Mercury	$626	$52
AAA California	$638	$53
Kemper	$647	$54
Capital Insurance Group	$649	$54
State National	$651	$54
State Farm	$662	$55
Travelers	$669	$56
Nationwide	$669	$56
State National	$671	$56
Hartford	$671	$56
Capital Insurance Group	$674	$56
Allstate	$688	$57
Allstate	$695	$58
Nationwide	$695	$58
Farmers	$746	$62
Allstate	$748	$62
Kemper	$748	$62
Capital Insurance Group	$754	$63
Farmers	$767	$64
State National	$793	$66
Chubb	$829	$69
Chubb	$855	$71
National General	$865	$72
Hartford	$869	$72
Farmers	$871	$73
Nationwide	$880	$73
National General	$893	$74
Kemper	$989	$82
State Farm	$1,024	$85
National General	$1,072	$89
GEICO	$1,130	$94
Mercury	$1,152	$96
GEICO	$1,167	$97
Mercury	$1,171	$98
Allstate	$1,175	$98
Progressive	$1,177	$98
AAA California	$1,178	$98
AAA California	$1,179	$98
Progressive	$1,180	$98
Chubb	$1,192	$99
National General	$1,221	$102
Allstate	$1,229	$102
National General	$1,245	$104
Hartford	$1,273	$106
State Farm	$1,315	$110
GEICO	$1,348	$112
Allstate	$1,361	$113
Capital Insurance Group	$1,365	$114
Progressive	$1,419	$118
State National	$1,419	$118
Travelers	$1,428	$119
Capital Insurance Group	$1,449	$121
Hartford	$1,464	$122
Nationwide	$1,479	$123
Travelers	$1,480	$123
National General	$1,494	$125
Mercury	$1,511	$126
State National	$1,523	$127
State Farm	$1,536	$128
AAA California	$1,546	$129
Nationwide	$1,603	$134
Kemper	$1,627	$136
Capital Insurance Group	$1,633	$136
Travelers	$1,753	$146
Farmers	$1,821	$152
Farmers	$1,858	$155
State National	$1,872	$156
Hartford	$1,898	$158
Chubb	$1,937	$161
Kemper	$1,997	$166
Chubb	$2,001	$167
Nationwide	$2,094	$174
Farmers	$2,200	$183
Kemper	$2,437	$203
Chubb	$2,857	$238

Minimum coverage policies in California only cover bodily injury liability and property damage liability. California law requires the following minimum limits:

$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability per accident

A minimum coverage policy has a maximum coverage limit of $15,000 per person and $30,000 per accident. For example, if you cause an accident resulting in $70,000 of third-party bodily injuries, your insurer will pay up to $30,000, but you’ll have to cover the remaining $40,000. If you choose minimum coverage insurance, remember you'll be liable for any medical costs beyond the policy limits.

Cheapest Full Coverage Car Insurance in Irvine

The cheapest auto insurers in Irvine for a full coverage policy are:

GEICO: $1,167 per year
Mercury: $1,171 per year

Chubb charges an annual premium of around $1,937 for full coverage, making it the most expensive option in Irvine.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
State Farm	$439	$37
GEICO	$442	$37
GEICO	$447	$37
Mercury	$499	$42
AAA California	$503	$42
Mercury	$512	$43
Progressive	$515	$43
Progressive	$522	$44
GEICO	$528	$44
AAA California	$530	$44
State Farm	$580	$48
Travelers	$587	$49
Travelers	$587	$49
Hartford	$587	$49
Progressive	$613	$51
Mercury	$626	$52
AAA California	$638	$53
Kemper	$647	$54
Capital Insurance Group	$649	$54
State National	$651	$54
State Farm	$662	$55
Travelers	$669	$56
Nationwide	$669	$56
State National	$671	$56
Hartford	$671	$56
Capital Insurance Group	$674	$56
Allstate	$688	$57
Allstate	$695	$58
Nationwide	$695	$58
Farmers	$746	$62
Allstate	$748	$62
Kemper	$748	$62
Capital Insurance Group	$754	$63
Farmers	$767	$64
State National	$793	$66
Chubb	$829	$69
Chubb	$855	$71
National General	$865	$72
Hartford	$869	$72
Farmers	$871	$73
Nationwide	$880	$73
National General	$893	$74
Kemper	$989	$82
State Farm	$1,024	$85
National General	$1,072	$89
GEICO	$1,130	$94
Mercury	$1,152	$96
GEICO	$1,167	$97
Mercury	$1,171	$98
Allstate	$1,175	$98
Progressive	$1,177	$98
AAA California	$1,178	$98
AAA California	$1,179	$98
Progressive	$1,180	$98
Chubb	$1,192	$99
National General	$1,221	$102
Allstate	$1,229	$102
National General	$1,245	$104
Hartford	$1,273	$106
State Farm	$1,315	$110
GEICO	$1,348	$112
Allstate	$1,361	$113
Capital Insurance Group	$1,365	$114
Progressive	$1,419	$118
State National	$1,419	$118
Travelers	$1,428	$119
Capital Insurance Group	$1,449	$121
Hartford	$1,464	$122
Nationwide	$1,479	$123
Travelers	$1,480	$123
National General	$1,494	$125
Mercury	$1,511	$126
State National	$1,523	$127
State Farm	$1,536	$128
AAA California	$1,546	$129
Nationwide	$1,603	$134
Kemper	$1,627	$136
Capital Insurance Group	$1,633	$136
Travelers	$1,753	$146
Farmers	$1,821	$152
Farmers	$1,858	$155
State National	$1,872	$156
Hartford	$1,898	$158
Chubb	$1,937	$161
Kemper	$1,997	$166
Chubb	$2,001	$167
Nationwide	$2,094	$174
Farmers	$2,200	$183
Kemper	$2,437	$203
Chubb	$2,857	$238

A full coverage policy includes comprehensive and collision insurance while increasing the limits of liability-only insurance.

Collision Insurance: Covers repair or replacement costs for damages sustained in an accident like a collision with another vehicle.
Comprehensive Insurance: Helps pay for damages to your car resulting from non-accident incidents, such as vandalism, theft or weather-related events.

Full coverage policies are usually recommended to safeguard your investment if you have a newer vehicle. If your car is older or low in value, paying for extra coverage may not be worth it, as it could add hundreds of dollars to your yearly premiums.

Cheapest Car Insurance in Irvine After a Driving Offense

The cheapest car insurance companies after driving violations in Irvine are:

Speeding ticket: National General ($1,285 per year)
At-fault accident: Capital Insurance Group ($1,704 per year)
DUI: National General ($1,285 per year)

The most expensive companies are The Hartford after a DUI ($5,303 per year), Nationwide after a speeding ticket ($2,779 per year) and Kemper after an accident ($3,599 per year). Having a driving offense on your record can significantly impact your premium. Rates tend to be more expensive for those with violations compared to those with clean records.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
Mercury	$641	$53
Mercury	$657	$55
State Farm	$666	$56
AAA California	$670	$56
GEICO	$675	$56
GEICO	$682	$57
State Farm	$697	$58
AAA California	$707	$59
Capital Insurance Group	$719	$60
Capital Insurance Group	$747	$62
Capital Insurance Group	$753	$63
Capital Insurance Group	$781	$65
GEICO	$791	$66
GEICO	$800	$67
AAA California	$800	$67
Mercury	$802	$67
GEICO	$804	$67
Mercury	$808	$67
Mercury	$823	$69
Capital Insurance Group	$837	$70
Hartford	$843	$70
Hartford	$843	$70
AAA California	$845	$70
AAA California	$853	$71
Kemper	$862	$72
Capital Insurance Group	$877	$73
State Farm	$882	$73
Mercury	$893	$74
Travelers	$907	$76
Travelers	$908	$76
National General	$915	$76
National General	$915	$76
Mercury	$916	$76
State Farm	$921	$77
State National	$924	$77
State National	$924	$77
Progressive	$928	$77
GEICO	$943	$79
Progressive	$943	$79
National General	$944	$79
National General	$944	$79
State National	$953	$79
State National	$953	$79
Allstate	$964	$80
Allstate	$973	$81
Hartford	$978	$81
Hartford	$978	$81
Kemper	$995	$83
State Farm	$1,006	$84
Mercury	$1,011	$84
Travelers	$1,012	$84
Travelers	$1,013	$84
Farmers	$1,018	$85
Farmers	$1,018	$85
AAA California	$1,021	$85
Progressive	$1,024	$85
Nationwide	$1,036	$86
Progressive	$1,043	$87
Travelers	$1,046	$87
Farmers	$1,047	$87
Farmers	$1,047	$87
State Farm	$1,051	$88
Allstate	$1,053	$88
Chubb	$1,070	$89
GEICO	$1,074	$89
Nationwide	$1,078	$90
GEICO	$1,087	$91
Chubb	$1,095	$91
Allstate	$1,111	$93
Progressive	$1,117	$93
Progressive	$1,119	$93
Allstate	$1,123	$94
Mercury	$1,126	$94
State National	$1,129	$94
State National	$1,129	$94
Capital Insurance Group	$1,129	$94
National General	$1,135	$95
National General	$1,135	$95
Progressive	$1,143	$95
Nationwide	$1,155	$96
Travelers	$1,166	$97
Capital Insurance Group	$1,171	$98
Farmers	$1,189	$99
Farmers	$1,189	$99
Nationwide	$1,203	$100
Allstate	$1,218	$102
Travelers	$1,222	$102
Travelers	$1,223	$102
Progressive	$1,236	$103
Farmers	$1,273	$106
GEICO	$1,283	$107
National General	$1,285	$107
National General	$1,285	$107
Hartford	$1,294	$108
Hartford	$1,294	$108
Chubb	$1,302	$108
National General	$1,307	$109
Farmers	$1,307	$109
National General	$1,311	$109
National General	$1,311	$109
Capital Insurance Group	$1,316	$110
Kemper	$1,320	$110
Chubb	$1,328	$111
National General	$1,349	$112
Progressive	$1,355	$113
Nationwide	$1,369	$114
State Farm	$1,374	$114
Travelers	$1,415	$118
Chubb	$1,433	$119
Kemper	$1,474	$123
Kemper	$1,474	$123
Farmers	$1,486	$124
Mercury	$1,515	$126
AAA California	$1,519	$127
AAA California	$1,521	$127
State Farm	$1,524	$127
Nationwide	$1,529	$127
Mercury	$1,540	$128
Capital Insurance Group	$1,566	$131
National General	$1,573	$131
National General	$1,573	$131
State Farm	$1,597	$133
Capital Insurance Group	$1,605	$134
National General	$1,624	$135
Capital Insurance Group	$1,663	$139
Chubb	$1,664	$139
State National	$1,675	$140
Chubb	$1,689	$141
GEICO	$1,695	$141
Capital Insurance Group	$1,704	$142
Allstate	$1,706	$142
Chubb	$1,714	$143
State National	$1,728	$144
AAA California	$1,734	$144
GEICO	$1,749	$146
Allstate	$1,789	$149
AAA California	$1,790	$149
Kemper	$1,793	$149
Kemper	$1,793	$149
AAA California	$1,800	$150
State Farm	$1,816	$151
National General	$1,824	$152
AAA California	$1,832	$153
Nationwide	$1,840	$153
National General	$1,862	$155
Capital Insurance Group	$1,877	$156
Hartford	$1,888	$157
Hartford	$1,888	$157
Mercury	$1,893	$158
GEICO	$1,902	$158
Nationwide	$1,916	$160
Capital Insurance Group	$1,924	$160
Mercury	$1,927	$161
State Farm	$1,959	$163
GEICO	$1,960	$163
Allstate	$1,990	$166
Mercury	$1,994	$166
AAA California	$1,997	$166
Allstate	$1,999	$167
Hartford	$2,014	$168
State National	$2,020	$168
State National	$2,020	$168
GEICO	$2,022	$169
Allstate	$2,023	$169
Mercury	$2,040	$170
Chubb	$2,051	$171
State Farm	$2,051	$171
State National	$2,059	$172
Mercury	$2,071	$173
State Farm	$2,073	$173
Allstate	$2,106	$175
Kemper	$2,165	$180
State National	$2,168	$181
State National	$2,168	$181
Travelers	$2,184	$182
Hartford	$2,184	$182
Hartford	$2,184	$182
Allstate	$2,201	$183
Allstate	$2,217	$185
AAA California	$2,222	$185
Progressive	$2,227	$186
Progressive	$2,234	$186
National General	$2,237	$186
Travelers	$2,259	$188
Kemper	$2,260	$188
Kemper	$2,260	$188
GEICO	$2,268	$189
State Farm	$2,286	$190
Nationwide	$2,296	$191
AAA California	$2,357	$196
Hartford	$2,374	$198
State Farm	$2,395	$200
Progressive	$2,428	$202
Progressive	$2,439	$203
Travelers	$2,440	$203
Nationwide	$2,444	$204
Capital Insurance Group	$2,449	$204
Allstate	$2,475	$206
Nationwide	$2,490	$208
Mercury	$2,493	$208
Farmers	$2,516	$210
Farmers	$2,516	$210
Travelers	$2,518	$210
Chubb	$2,544	$212
Nationwide	$2,561	$213
Farmers	$2,568	$214
Farmers	$2,568	$214
Capital Insurance Group	$2,601	$217
Chubb	$2,605	$217
Kemper	$2,657	$221
State National	$2,666	$222
State National	$2,666	$222
Mercury	$2,676	$223
Travelers	$2,697	$225
Progressive	$2,698	$225
GEICO	$2,701	$225
Progressive	$2,769	$231
Nationwide	$2,779	$232
Progressive	$2,785	$232
GEICO	$2,787	$232
Hartford	$2,858	$238
Hartford	$2,858	$238
Capital Insurance Group	$2,935	$245
Progressive	$2,946	$245
Travelers	$3,009	$251
Travelers	$3,028	$252
Farmers	$3,041	$253
Farmers	$3,041	$253
Chubb	$3,128	$261
Travelers	$3,137	$261
Farmers	$3,145	$262
State Farm	$3,148	$262
Chubb	$3,191	$266
Farmers	$3,209	$267
GEICO	$3,225	$269
Hartford	$3,228	$269
Kemper	$3,245	$270
Nationwide	$3,264	$272
Progressive	$3,365	$280
Chubb	$3,463	$289
Kemper	$3,599	$300
Kemper	$3,599	$300
AAA California	$3,627	$302
Nationwide	$3,647	$304
AAA California	$3,649	$304
Allstate	$3,718	$310
State National	$3,765	$314
Travelers	$3,771	$314
Farmers	$3,801	$317
Allstate	$3,912	$326
State Farm	$4,047	$337
Chubb	$4,048	$337
State National	$4,048	$337
Nationwide	$4,084	$340
Chubb	$4,102	$342
Chubb	$4,167	$347
Allstate	$4,365	$364
Nationwide	$4,435	$370
Hartford	$4,542	$379
Kemper	$4,548	$379
Kemper	$4,548	$379
State Farm	$4,722	$393
AAA California	$4,774	$398
State National	$4,997	$416
Chubb	$5,024	$419
Hartford	$5,303	$442
Kemper	$5,405	$450
Kemper	$5,405	$450
Nationwide	$5,838	$486
Hartford	$7,055	$588

The impact on your insurance premiums may be more significant depending on the severity of your driving violation. Typically in Irvine, a DUI can lead to an annual premium increase of $1,990. In contrast, a speeding ticket may result in an increase of only $584 per year.

It's best to shop around and compare rates because it's still possible to find relatively cheap car insurance if you have a bad driving record.

Cheapest Car Insurance in Irvine for Teens and Their Families

For teen drivers on a family policy, Irvine's least expensive car insurance companies are:

State Farm: $3,015 per year for teen boys and girls
Allstate: $3,300 per year for teen boys and girls

Nationwide is the most expensive option for teen drivers on a family policy, with an average yearly premium of $5,948 to insure both boys and girls.

Even on family policies, male teens may be charged higher premiums because they are often considered riskier to insure. Choosing a family policy can still be a cost-effective way to secure car insurance coverage.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
GEICO	$1,504	$2,419
GEICO	$1,539	$2,476
GEICO	$1,542	$2,727
GEICO	$1,559	$2,601
GEICO	$1,577	$2,536
GEICO	$1,585	$2,803
GEICO	$1,608	$2,962
GEICO	$1,628	$2,879
GEICO	$1,786	$2,671
Allstate	$1,810	$2,930
Allstate	$1,810	$2,930
Progressive	$1,815	$2,903
Progressive	$1,815	$2,903
Capital Insurance Group	$1,834	$2,352
Capital Insurance Group	$1,834	$2,352
GEICO	$1,845	$3,051
Allstate	$1,895	$3,067
Allstate	$1,895	$3,067
Allstate	$1,943	$3,408
Allstate	$1,943	$3,408
Allstate	$1,962	$3,177
Allstate	$1,962	$3,177
Progressive	$1,965	$3,142
Progressive	$1,965	$3,142
Nationwide	$2,043	$4,247
Nationwide	$2,043	$4,247
State Farm	$2,082	$3,058
State Farm	$2,082	$3,058
Allstate	$2,082	$3,423
Allstate	$2,082	$3,423
Capital Insurance Group	$2,088	$2,785
Capital Insurance Group	$2,088	$2,785
Progressive	$2,102	$3,883
Progressive	$2,102	$3,883
Kemper	$2,121	$4,278
Kemper	$2,121	$4,278
Travelers	$2,134	$2,921
Travelers	$2,134	$2,921
State Farm	$2,165	$3,181
State Farm	$2,165	$3,181
Capital Insurance Group	$2,173	$2,785
Capital Insurance Group	$2,173	$2,785
Capital Insurance Group	$2,173	$2,785
Capital Insurance Group	$2,173	$2,785
Progressive	$2,201	$3,521
Progressive	$2,201	$3,521
State Farm	$2,203	$3,451
State Farm	$2,203	$3,451
Travelers	$2,209	$3,024
Travelers	$2,209	$3,024
State Farm	$2,215	$3,254
State Farm	$2,215	$3,254
Kemper	$2,239	$4,518
Kemper	$2,239	$4,518
Nationwide	$2,240	$4,657
Nationwide	$2,240	$4,657
Travelers	$2,254	$3,246
Travelers	$2,254	$3,246
GEICO	$2,298	$3,883
Travelers	$2,302	$3,152
Travelers	$2,302	$3,152
Farmers	$2,307	$3,299
Farmers	$2,307	$3,299
Nationwide	$2,312	$5,326
Nationwide	$2,312	$5,326
Kemper	$2,357	$5,312
Kemper	$2,357	$5,312
State Farm	$2,360	$3,518
State Farm	$2,360	$3,518
Allstate	$2,388	$4,363
Allstate	$2,388	$4,363
GEICO	$2,389	$4,478
Nationwide	$2,401	$4,992
Nationwide	$2,401	$4,992
Capital Insurance Group	$2,425	$3,134
Capital Insurance Group	$2,425	$3,134
Allstate	$2,427	$3,990
Allstate	$2,427	$3,990
Kemper	$2,436	$4,914
Kemper	$2,436	$4,914
State Farm	$2,506	$3,917
State Farm	$2,506	$3,917
GEICO	$2,514	$3,760
Capital Insurance Group	$2,514	$3,134
Capital Insurance Group	$2,514	$3,134
Travelers	$2,515	$3,406
Travelers	$2,515	$3,406
State Farm	$2,529	$3,769
State Farm	$2,529	$3,769
Farmers	$2,583	$3,826
Farmers	$2,583	$3,826
Progressive	$2,607	$4,259
Progressive	$2,607	$4,259
GEICO	$2,614	$4,323
Farmers	$2,676	$3,826
Farmers	$2,676	$3,826
Farmers	$2,676	$3,826
Farmers	$2,676	$3,826
Capital Insurance Group	$2,693	$3,479
Capital Insurance Group	$2,693	$3,479
Nationwide	$2,706	$5,839
Nationwide	$2,706	$5,839
Travelers	$2,729	$3,930
Travelers	$2,729	$3,930
Kemper	$2,730	$5,632
Kemper	$2,730	$5,632
Travelers	$2,771	$3,754
Travelers	$2,771	$3,754
State Farm	$2,785	$4,967
State Farm	$2,785	$4,967
Farmers	$2,889	$4,388
Farmers	$2,889	$4,388
State Farm	$2,952	$5,266
State Farm	$2,952	$5,266
Kemper	$2,957	$6,101
Kemper	$2,957	$6,101
Kemper	$2,983	$6,726
Kemper	$2,983	$6,726
State Farm	$3,015	$5,901
State Farm	$3,015	$5,901
Farmers	$3,123	$5,053
Farmers	$3,123	$5,053
Farmers	$3,152	$4,786
Farmers	$3,152	$4,786
GEICO	$3,175	$5,615
Allstate	$3,186	$6,274
Allstate	$3,186	$6,274
Progressive	$3,250	$6,028
Progressive	$3,250	$6,028
Farmers	$3,288	$6,511
Farmers	$3,288	$6,511
Allstate	$3,300	$6,609
Allstate	$3,300	$6,609
GEICO	$3,328	$6,527
Nationwide	$3,335	$8,072
Nationwide	$3,335	$8,072
Allstate	$3,357	$6,609
Allstate	$3,357	$6,609
Farmers	$3,369	$6,810
Farmers	$3,369	$6,810
Farmers	$3,379	$6,692
Farmers	$3,379	$6,692
GEICO	$3,404	$6,270
Progressive	$3,454	$5,643
Progressive	$3,454	$5,643
Capital Insurance Group	$3,456	$4,305
Capital Insurance Group	$3,456	$4,305
Capital Insurance Group	$3,456	$4,305
Capital Insurance Group	$3,456	$4,305
Capital Insurance Group	$3,456	$4,305
Capital Insurance Group	$3,456	$4,305
GEICO	$3,491	$6,174
Nationwide	$3,557	$7,675
Nationwide	$3,557	$7,675
GEICO	$3,588	$7,378
Travelers	$3,647	$4,955
Travelers	$3,647	$4,955
GEICO	$3,675	$7,207
Progressive	$3,751	$7,663
Progressive	$3,751	$7,663
Progressive	$3,775	$7,730
Progressive	$3,775	$7,730
Progressive	$3,789	$7,742
Progressive	$3,789	$7,742
Travelers	$3,810	$5,177
Travelers	$3,810	$5,177
Travelers	$3,819	$5,433
Travelers	$3,819	$5,433
Kemper	$4,500	$9,184
Kemper	$4,500	$9,184
Kemper	$4,929	$10,061
Kemper	$4,929	$10,061
Kemper	$4,975	$11,215
Kemper	$4,975	$11,215
Nationwide	$5,066	$10,913
Nationwide	$5,066	$10,913
Nationwide	$5,696	$12,270
Nationwide	$5,696	$12,270
Nationwide	$5,879	$14,809
Nationwide	$5,879	$14,809

Buying an individual car insurance policy for teen drivers can be expensive. Teens generally face higher premiums than older and more experienced drivers. MoneyGeek found that a 16-year-old boy can expect to pay an average of $4,498 per year for individual car insurance. Being insured under their parents' policy costs about $3,825 annually, which is a difference of $673.

You'll find the cheapest car insurance rates for teens by shopping around and comparing rates.

Cheapest Car Insurance in Irvine for Military Drivers

The cheapest car insurance companies for active duty or veteran military families looking for full coverage in Irvine are:

USAA: $923 per year
GEICO: $1,167 per year

MoneyGeek found that USAA and GEICO also offer the most affordable minimum coverage options. USAA, which specializes in serving military families, offers the lowest average premium for 20 to 29-year-olds at $492 per year. GEICO is also an affordable choice, charging $528 annually. Both companies offer policy discounts for military members, saving them even more money.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
USAA	$407	$34
USAA	$407	$34
State Farm	$439	$37
GEICO	$442	$37
GEICO	$447	$37
USAA	$492	$41
Mercury	$499	$42
AAA California	$503	$42
Mercury	$512	$43
Progressive	$515	$43
Progressive	$522	$44
GEICO	$528	$44
AAA California	$530	$44
State Farm	$580	$48
Travelers	$587	$49
Travelers	$587	$49
Hartford	$587	$49
Progressive	$613	$51
Mercury	$626	$52
AAA California	$638	$53
Kemper	$647	$54
Capital Insurance Group	$649	$54
State National	$651	$54
State Farm	$662	$55
Travelers	$669	$56
Nationwide	$669	$56
State National	$671	$56
Hartford	$671	$56
Capital Insurance Group	$674	$56
Allstate	$688	$57
Allstate	$695	$58
Nationwide	$695	$58
Farmers	$746	$62
Allstate	$748	$62
Kemper	$748	$62
Capital Insurance Group	$754	$63
Farmers	$767	$64
State National	$793	$66
Chubb	$829	$69
Chubb	$855	$71
National General	$865	$72
Hartford	$869	$72
Farmers	$871	$73
Nationwide	$880	$73
National General	$893	$74
USAA	$901	$75
USAA	$923	$77
Kemper	$989	$82
State Farm	$1,024	$85
National General	$1,072	$89
USAA	$1,104	$92
GEICO	$1,130	$94
Mercury	$1,152	$96
GEICO	$1,167	$97
Mercury	$1,171	$98
Allstate	$1,175	$98
Progressive	$1,177	$98
AAA California	$1,178	$98
AAA California	$1,179	$98
Progressive	$1,180	$98
Chubb	$1,192	$99
National General	$1,221	$102
Allstate	$1,229	$102
National General	$1,245	$104
Hartford	$1,273	$106
State Farm	$1,315	$110
GEICO	$1,348	$112
Allstate	$1,361	$113
Capital Insurance Group	$1,365	$114
Progressive	$1,419	$118
State National	$1,419	$118
Travelers	$1,428	$119
Capital Insurance Group	$1,449	$121
Hartford	$1,464	$122
Nationwide	$1,479	$123
Travelers	$1,480	$123
National General	$1,494	$125
Mercury	$1,511	$126
State National	$1,523	$127
State Farm	$1,536	$128
AAA California	$1,546	$129
Nationwide	$1,603	$134
Kemper	$1,627	$136
Capital Insurance Group	$1,633	$136
Travelers	$1,753	$146
Farmers	$1,821	$152
Farmers	$1,858	$155
State National	$1,872	$156
Hartford	$1,898	$158
Chubb	$1,937	$161
Kemper	$1,997	$166
Chubb	$2,001	$167
Nationwide	$2,094	$174
Farmers	$2,200	$183
Kemper	$2,437	$203
Chubb	$2,857	$238

How to Compare Cheap Irvine Car Insurance Quotes Online

Finding auto insurance quotes in Irvine can be time-consuming. You may have to spend at least 15 minutes filling out online forms on insurers' websites or mobile apps. These forms may ask for a lot of personal information, making the process even more tedious.

MoneyGeek's car insurance calculator can save you time by quickly generating a ballpark estimate using just your age, vehicle type, desired coverage level and driving history.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

Best Car Insurance in Irvine: Summary

The best car insurer for you depends on your preference for cost, coverage, service and other factors. These are our top choices for car insurance companies in Irvine, CA:

Best Overall: GEICO (MoneyGeek score 75 out of 100)
Best for Service: Chubb (MoneyGeek score 76 out of 100)
Best Cheap: GEICO (MoneyGeek score 78 out of 100)

While GEICO ranks as the best insurer in Irvine, the overall best car insurance provider in California is AAA, with a MoneyGeek score of 89 out of 100. The best companies differ based on various factors like location, which impacts rates and affordability scores. USAA is the best insurer for military drivers, with a MoneyGeek score of 85 out of 100.

Best Overall Car Insurance in Irvine

The best companies for car insurance in Irvine are:

GEICO: MoneyGeek score 75 out of 100 ($1,167 per year)
Progressive: MoneyGeek score 74 out of 100 ($1,177 per year)

Of the insurers we evaluated, GEICO received the best scores for affordability and was also above average in customer satisfaction, indicating that you can secure budget-friendly premiums without sacrificing quality customer service.

The best company for military drivers is USAA, with a MoneyGeek score of 85 out of 100. Its average premium costs $923 annually, making it the most affordable option for active duty members, veterans and their qualified family members.

How was this MoneyGeek score calculated?

pros

Ranked first in affordability.

Above-average in customer service.

Provides roadside assistance coverage.

Offers Mechanical Breakdown Insurance (MBI).

cons

Below-average for claims management.

Doesn’t provide OEM coverage or gap insurance.

COMPANY HIGHLIGHTS

GEICO is the best auto insurer in Irvine for drivers looking for quality service at competitive rates. This provider scores highly in affordability and customer satisfaction while offering several coverage options to meet your needs.

GEICO's Mechanical Breakdown Insurance (MBI) is a cheaper alternative to a dealer’s extended warranty, as it covers all of your vehicle's parts. While this coverage is limited to new cars less than 15 months old and with less than 15,000 miles, it can be applied at any authorized repair shop as long as a recall, voluntary repair or your warranty does not cover it.

Another essential coverage offered by GEICO is their 24/7 Emergency Roadside Service. It provides quick assistance for common roadside emergencies, such as towing, battery jump-start, tire replacement and other necessary repairs.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Irvine for Customer Service

Without factoring in cost, MoneyGeek found that the best auto insurers in Irvine for their customer service are:

Chubb: MoneyGeek score 76 out of 100 ($1,937 per year)
Capital Insurance Group: MoneyGeek score 68 out of 100 ($1,449 per year)

Chubb received high ratings for customer satisfaction and claims handling. You’ll most likely have an excellent experience dealing with this provider, especially during the claims process. Chubb is known for its exceptional customer service, which comes at a higher cost compared to the 15 other insurance companies we analyzed.

How was this MoneyGeek score calculated?

pros

Excellent customer satisfaction and claims handling.

Offers Original Equipment Manufacturer (OEM) and diminished value coverage.

Provides rental car reimbursement.

cons

Lacking some essential coverages.

COMPANY HIGHLIGHTS

Chubb stands out as Irvine's best car insurance company for drivers prioritizing service quality over affordability. Although it charges the highest rates and lacks some essential coverage options, Chubb has a proven track record of providing superb customer service while managing claims efficiently.

This insurer offers essential add-ons like Original Equipment Manufacturer (OEM) coverage, which ensures that your car is repaired with original parts to help restore its pre-accident condition.

By offering diminished value coverage (Agreed Value), Chubb helps protect policyholders from the potential depreciation of their vehicle's value. This add-on ensures that in the event of a covered loss, the policyholder will receive a check for the amount agreed upon when the policy was written, potentially saving them money.

Another key coverage Chubb provides is Rental Car Reimbursement, which enables you to rent a car that is the same or similar to your own. This coverage goes up to $5,000 with no per-day limit.

Chubb doesn't include roadside assistance or gap insurance in their policies, which may not suit the needs of some drivers.

Best Cheap Car Insurance in Irvine

Based on our analysis of service quality and affordability for minimum coverage policies in California, the best cheap car insurance companies in Irvine are:

GEICO: MoneyGeek score 78 out of 100 ($447 per year)
Progressive: MoneyGeek score 71 out of 100 ($515 per year)

Minimum coverage policies have the most affordable rates, but they also offer the least amount of protection. While your policy might provide liability coverage, it'll seldom cover damage to your vehicle after an accident. It's best to understand your coverage needs when choosing the type of policy you purchase.

How was this MoneyGeek score calculated?

pros

The most affordable option costing $447 per year.

Safe driving, airbag and bundling discounts.

Above-average for customer satisfaction.

cons

Doesn’t offer discounts when you go paperless or pay in full.

Average for claims processing.

COMPANY HIGHLIGHTS

In Irvine, GEICO is the best cheap auto insurance provider. With the highest affordability score, drivers can expect the lowest rates when choosing this insurer. GEICO also ranked well for customer satisfaction, so policyholders don't have to compromise service quality to save money.

Customers have the opportunity to take advantage of GEICO's bundling, good student, multiple cars and safe driving discounts to lower their premiums. This insurer also offers discounts for drivers who buy their homeowners, renters, condo or mobile home policy with the company, as well as for insuring multiple cars with GEICO and staying accident-free for five years.

By installing certain safety equipment in your vehicle, like anti-lock brakes, an anti-theft system or daytime running lights, you may be eligible for additional discounts on your policy. GEICO also extends its discounts to those who serve our country and communities, including federal employees, educators and military members. This company goes the extra mile to provide numerous options for its customers to save money.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Irvine

The average cost of a full coverage car insurance policy in Irvine is $1,411 per year, with coverage limits of $100,000 for bodily injury liability per person, $300,000 for bodily injury liability per accident and $100,000 for property damage liability per accident.

Drivers in Irvine pay $24 more than the average auto insurance rate in California ($1,387) as of October 2022. Premiums in this city are also $146 higher than the average national car insurance cost, which is $1,265. Your location plays a major role in determining your car insurance rates, although it's not the sole factor insurers take into account.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

Cheapest and Best Car Insurance Companies in Irvine, CA

Compare Rates

On This Page:

Cheapest Minimum Liability Car Insurance in Irvine

Cheapest Full Coverage Car Insurance in Irvine

Cheapest Car Insurance in Irvine After a Driving Offense

Cheapest Car Insurance in Irvine for Teens and Their Families

Cheapest Car Insurance in Irvine for Military Drivers

How to Compare Cheap Irvine Car Insurance Quotes Online

Best Car Insurance in Irvine: Summary

Best Overall Car Insurance in Irvine

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Irvine for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Irvine

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Irvine