Compare the Cheapest Car Insurance Quotes in Irvine, CA
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 Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
On average, Esurance provides the cheapest auto insurance for full-coverage policies in Irvine. For state minimum coverage, Progressive offers the cheapest rates, on average. USAA is the second-cheapest for full coverage. However, only current and former military members qualify for its policies.
From MoneyGeek’s ranking, the best insurer in Irvine overall is AAA, which best combines quality service and affordability. Your rates will vary from the annual average costs depending on your driving record, coverage amount and other factors. If you have a speeding ticket, Esurance delivers the cheapest coverage, on average.
The Cheapest and Best Car Insurance in Irvine
The Cheapest Car Insurance Companies in Irvine
If you wish to purchase full-coverage car insurance, Irvine's cheapest car insurance carriers, on average, are:
- Esurance: $1,047 per year
- Progressive: $1,160 per year
Members of the military and their families can purchase insurance from USAA, which is the second cheapest in the city, charging $1,145 per year on average.
Allied has the highest rates in the city, charging its customers an average of $1,672 per year. That’s $625 more than the cheapest coverage.
Full-coverage car insurance is more expensive than liability-only insurance, which only meets state minimum requirements. However, full coverage provides higher limits, which keep you from having to pay out of pocket after an accident. Your rates change depending on your driving history.
Cheapest Car Insurance in Irvine
MoneyGeek uses a streamlined methodology for its analysis. We collected data in this study using a sample 40-year-old male driver looking to purchase full coverage.
While liability-only car insurance costs less than full coverage, it may not offer adequate protection in case of an accident. A full-coverage policy provides the following additional types of insurance:
- Comprehensive Insurance: This coverage protects drivers paying for damages related to accidents that are not collision-related, including theft and natural disasters.
- Collision Insurance: This insurance provides coverage if you collide with a vehicle or stationary object.
For owners of old vehicles, purchasing liability-only coverage may be the best alternative. Depending on the driving profile and the insurer of choice, a full coverage policy may cost more than the worth of the older car.
Compare Car Insurance Rates in Irvine
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Irvine for Minimum Coverage
For all the cities in California, including Irvine, the state minimum coverage is the cheapest. However, while you may save costs with this type of car insurance, you may need to spend out of pocket after an accident due to the limited coverage that the policy provides.
The cheapest insurers in Irvine for state minimum car insurance coverage, on average, are:
- Progressive: $501 per year
- GEICO: $567 per year
Former and current military members, along with their families, can consider purchasing insurance from USAA, which charges an average annual rate of $482. The most expensive insurance carrier in the city for the state minimum policy is Farmers, at $852 per year, on average — $351 higher than the cheapest insurer.
Your coverage amount significantly affects your premiums. Check out how prices vary across different amounts with the following table.
Cheapest Minimum Liability Car Insurance in Irvine
If you are purchasing the state minimum car insurance in Irvine, you need to ensure that it meets the 15/30/5 requirement. That means it should have $15,000 bodily injury protection up to $30,000 per accident and $5,000 for property damage.
Following an accident, if the damages exceed the policy limits, you will need to cover these costs yourself. For instance, if the bodily injury costs for the accident add up to $50,000, you will need to pay the extra $20,000 out of pocket.
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.
Cheapest Car Insurance in Irvine if You Have Driving Violations
Your driving record determines how much you pay for car insurance in Irvine. DUIs, speeding tickets and at-fault accidents often lead to higher rates. From this study, the most affordable insurance providers, on average, for drivers with these traffic violations are:
- Cheapest After a Ticket: Esurance, $1,327 per year
- Cheapest After an At-Fault Accident: Esurance, $1,639 per year
- Cheapest After a DUI: Mercury, $2,217 per year
By comparing quotes across multiple providers, you may find the most affordable coverage for bad driving records. Drivers can also reduce their rates by improving their driving habits over time.
Cheapest Car Insurance in Irvine With a Violation
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.
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. This is why it's important to use an auto insurance quotes comparison tool. 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.
Compare Car Insurance Rates in Irvine
The Best Car Insurance Companies in Irvine
MoneyGeek ranked the best car insurance providers in Irvine, California based on average rates, claims ratings and user satisfaction scores. According to our analysis, the following insurers earned the highest scores making them the best car insurance in the city.
- Esurance: MoneyGeek score of 91.6 out of 100
- AAA: MoneyGeek score of 83.4 out of 100
Though USAA received a score of 90.2 out of 100, it was excluded from our rankings because it’s only offered to military members and their families.
Esurance scored high for affordability and customer satisfaction but it received a low claims rating. The average cost of full coverage policy for a 40-year-old driver in Irvine is $1,047 per year. Customer parts and equipment coverage, which is rarely offered by other insurers, is available with Esurance.
Custom parts and equipment coverage is offered as an add-on feature to standard Esurance policies. With this coverage, any aftermarket upgrades you made to your car, like a fancy sound system or custom grill, are covered up to a $4,000 limit. Another unique offer from this insurer is rideshare insurance. This benefits drivers that work for a rideshare company like Uber or Lyft. It ensures no gaps in coverage between your personal auto and rideshare insurance policies. You'll also pay the lowest comprehensive and collision deductible of the two policies.Read MoneyGeek's Esurance auto Insurance Review
AAA earned high scores for affordability and customer satisfaction and a perfect score for claims. Policies cost around $1,264 per year for a 40-year-old driver in Irvine. The insurer includes identity theft coverage in its standard policy.
Identity theft coverage is a unique feature included with your AAA membership. The standard identity theft coverage is free, but the insurer also offers higher levels of protection for an added cost. Roadside assistance coverage pays for fuel delivery, flat tire, battery jump starts and more if your car breaks down. This add-on coverage is available for a low cost.Read MoneyGeek's AAA auto Insurance Review
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
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.
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