Compare Rates and Save on Auto Insurance

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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.

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2023

Cheapest and Best Car Insurance in Irvine, CA

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.

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.

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.

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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.

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.

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.

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

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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?

GEICO

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?

Chubb

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?

GEICO

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 headshot

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.