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How much is auto insurance in Irvine?
Car insurance coverage costs an average of $1,868 each year in Irvine. That's more than the statewide average in California ($1,868) and more expensive than the national average of $1,548. Our guide to Irvine car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!
CAR INSURANCE RATES IN IRVINE
|Irvine Average (yearly)||California Average||National Average|
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Irvine car insurance premiums by company
One of the most important determinants of your insurance rates is the auto insurance company you work with. For a typical driver, GEICO offers Irvine's cheapest rates. See below the best options for affordable auto insurance in Irvine. Don't forget to get car insurance quotes based on your driving profile.
IRVINE CAR INSURANCE RATES BY COMPANY
|Insurance Company||Average Annual Rate|
Irvine auto insurance rates by age
Irvine drivers in their 60s enjoy relatively affordable auto insurance rates, paying just $1,685per year, on average. Drivers in their 50s pay marginally higher rates — $1,685 per year.
The Irvine drivers facing the priciest insurance rates are teenagers. When drivers hit their 20s in Irvine and move out of the teenage age bracket, they reduce their premiums substantially. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Irvine is $4,070, the largest such difference between any two age brackets.
IRVINE CAR INSURANCE PREMIUMS BY DRIVER AGE
|Age bracket||Average Annual Rate|
Irvine auto insurance premiums by gender and marital status
Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers in Irvine pay $77 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. In Irvine, insurance rates for those who are widowed are less expensive than rates for those who are single.
Gender is yet another factor that can affect auto insurance premiums. In Irvine, female drivers pay more for auto insurance than do male drivers: $4 per year, to be precise.
IRVINE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Gender/Marital Status||Average Annual Rate|
Irvine auto insurance premiums by accident and citation history
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Irvine, a reckless driving citation results in an average insurance rate increase of $3,195 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $3,104 increase and a speeding ticket triggers a $751 rate hike.
IRVINE CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Violation/Incident||Average Annual Rate|
|At-fault Accident (damages < $1,000)||$1,875|
|At-fault Accident (damages greater than $2,000)||$3,282|
|Speeding Ticket (16-20 mph over speed limit)||$2,619|
Irvine auto insurance rates by credit level
Credit score is often closely correlated with car insurance costs. Irvine drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 0% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Irvine, improving your credit to "Fair" could help you earn a $0 decrease in yearly insurance premiums.
IRVINE CAR INSURANCE RATES BY CREDIT SCORE
|Credit Score||Average Annual Rate|
What drives up car insurance rates in Irvine?
Where you live in Irvine affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn't play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Irvine is no exception to the rule. From ZIP code 92612 to 92697, premiums rise by 10 percent—that's $127.
Expensive Irvine ZIP codes: 92617, 92620, 92614, 92603, 92697
Cheap Irvine ZIP codes: 92612, 92602, 92618, 92604, 92606
Irvine Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, & decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Irvine, you can expect 34 rainy days with an annual rainfall of 13 inches. Irvine is also known to experience earthquakes and wildfires.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Irvine Agents
Armstrong/Robitaille/Riegle Business and Insurance Solutions
830 Roosevelt #200, Irvine, CA 92620
Garrett/Mosier Insurance Services, Inc.
12 Truman, Irvine, CA 92620
Terence Edward Dorse
1 Post Ste 200, Irvine, CA 92618
ERM Insurance Brokers
2101 Business Center Drive, Suite 150, Irvine, CA 92612
Edgewood Partners Insurance Center
19000 MacArthur Blvd, Penthouse Floor, Irvine, CA 92612
Dealer Protection Insurance Services
36 Discovery, Suite 130, Irvine, CA 92618
United Agencies - Orange County
P. O. Box 53743, Irvine, CA 92619
Spectrum Risk Management & Insurance Services, LLC
74 Discovery, Irvine, CA 92618
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.