Car insurance in Irvine costs an average of $1,373 annually, which is cheaper than the state average. The cheapest insurer for the average driver is Esurance, but MoneyGeek also analyzed the cheapest providers based on different coverage levels and driver profiles. To help drivers looking for a cost-quality balance, MoneyGeek also ranked the best car insurance providers in Irvine.
Compare the Cheapest Car Insurance Quotes in Irvine, CA
The Cheapest and Best Car Insurance in Irvine
The Cheapest Car Insurance Companies in Irvine
In Irvine, the cheapest insurers for a full coverage policy are:
- Esurance: $1,047 annually
- USAA: $1,145 annually (only available to current and former military)
When it comes to affordability, Esurance offers the cheapest car insurance in Irvine. Esurance policyholders pay an average annual premium of $1,047, which is $326 less than the city average. The top five most affordable car insurance companies in Irvine include USAA, Progressive, GEICO and AAA. Meanwhile, Allied has the most expensive average annual premium. It costs $1,672, which is 59.8% more than Esurance typically charges.
For this study, MoneyGeek collected average insurance rates in Irvine for a sample 40-year-old male driver with a full coverage policy which includes both liability and comprehensive and collision coverage.
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Average Cost of Car Insurance in Irvine
Compared to both the state and national average annual costs of car insurance, Irvine drivers get slightly lower annual premiums. The city’s average auto insurance cost is $1,373, which is 3.9% lower than the $1,429 state average and 3.6% lower than the average annual premium in the United States, which is $1,424.
The Best Car Insurance Companies in Irvine
If you are an Irvine driver looking for a balance between quality and affordability, MoneyGeek ranked the best insurers in the city. According to MoneyGeek’s research, the best car insurance providers in Irvine for most drivers are:
- AAA: MoneyGeek score 90 out of 100
- GEICO: MoneyGeek score 90 out of 100
USAA received the highest score in Irvine by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
To determine final scores out of 100, MoneyGeek took into account several data points, including J.D. Power customer satisfaction ratings, affordability and financial stability.
Personalized Quotes to Get You the Cheapest Car Insurance in Irvine
Car insurance companies in Irvine check various factors to come up with appropriate quotes for each client. Among the determining factors are the driver’s age, history, record, gender, marital status and ZIP code. For example, among State Farm policyholders, older drivers may get the best deals since senior citizens often get cheaper premiums.
On average, State Farm offers a $1,159 annual premium for 70-year-old male drivers. Meanwhile, a similar policy will cost an average of $1,449 for a 40-year-old male. Teen drivers usually get higher premiums, so an 18-year-old male will pay the most expensive average premium at $2,775.
Shopping around for car insurance in Irvine could save you $326, which is enough to buy:
Cheapest Car Insurance in Irvine by Coverage Amount
In Irvine and elsewhere, one of the most important factors impacting the cost of a policy is the coverage level you choose. In Irvine, a state minimum liability policy costs an average of $662, while a full coverage policy with higher liability limits comes at an average cost of $1,373. This is a $711 difference.
California Minimum Liability Requirements
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
Each plan offered by car insurance companies in Irvine reflects the limits of each insurance type and coverage level. For state minimum liability coverage, USAA offers the cheapest policy at an average of $482. However, USAA policies are exclusive for current and former military members or their families. With this in mind, the second most affordable company for state minimum liability coverage is Progressive, with a policy that usually costs an average of $501 annually.
You can also opt for a 50/100/50 liability-only or full-coverage policy, which allows you to claim up to $50,000 for medical bills per person and $100,000 per vehicle, along with $50,000 for property damage. If the pricing difference between the two options is minimal, it may be best to get full coverage.
For example, Esurancee’s 50/100/50 liability-only coverage costs an average of $691 per year, while adding around $310 will get you a 50/100/50 full-coverage policy. If you want even more comprehensive coverage, choose 100/300/100 full coverage, which Esurance offers for around $46 more than a 50/100/50 full-coverage plan, at $1,047, on average, annually.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Irvine if You Have Driving Violations
Driving responsibly can help you get cheap car insurance in Irvine. Having moving violations on your record will have an impact on your auto insurance rate. For instance, Esurance policyholders with clean records pay an average of $1,047, but if you have a speeding ticket, you will have to pay $281 more for an average total of $1,327. Meanwhile, those who have been in accidents where they are at fault pay an average of $1,639, and drivers with DUIs typically pay around $2,605 per year on average.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
Where you live in Irvine can also affect the cost of your car insurance. Among the three ZIP codes in the city, 92604 has the cheapest premiums. Drivers living in this area pay an average of $1,321, which is $147 less than the average premium in 92612.
- Zip CodeState Minimumper year
Top Agents Offering Affordable Car Insurance in Irvine
Factors That Impact Insurance Costs in Irvine
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Irvine. How Irvine ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Irvine are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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