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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
$1,868 $1,868 $1,548

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Irvine car insurance premiums by company


One of the most important determinants of your car insurance rates is the 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
GEICO $1,240
Mercury $1,441
Infinity $1,753
AAA $1,786
Farmers $1,945

Check out our guide to learn how to find the best cheap car insurance.



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
Teenagers $6,811
20s $2,741
30s $1,817
40s $1,759
50s $1,685
60s $1,685
70s $1,959

Learn more about the impact of age on car insurance premiums.



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
Female $1,872
Male $1,868
Single $1,791
Married $1,791
Divorced $1,868
Widowed $1,817

Learn more about how gender and marital status have on car insurance rates.



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
DWI/DUI $4,972
Reckless Driving $5,063
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

Learn more about how citations can raise your auto insurance rates.



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
Very Poor $1,868
Fair $1,868
Good $1,868
Very Good $1,868
Exceptional $1,868

Learn more about the relationship between poor credit and car insurance.



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.

34

Rainy Days a Year

13"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Irvine

2
Major Highways
I-5 I-405 SR 73
2
Public Transit
OCTA Bus Metrolink Rail
2
Toll Roads
SR 261

Car Insurance Companies in Irvine

21st Century Aegis AFI Alliance United Allied Allstate Arrowhead Aspire Advantage Aspire Savings Auto Club (AAA) Bristol West California Automobile Assigned Risk Plan California Capital Carnegie Century National Cinch Clearcover Dairyland Direct Auto Drive Insurance Esurance Farmers FIMC Foremost GEICO Grange Insurance Hippo Infinity Infinity RSVP Infinity Special Kemper Auto Kemper Preferred Liberty Mutual Mapfre Insurance Mendota Mercury MetLife Metromile MileAuto Multi-State National General Nationwide Progressive Safe Auto Safeco State Farm Stillwater Sun Coast The General The Hartford Titan Travelers Unitrin USAA Viking Workmen's Auto

Find Local Irvine Agents

United Agencies - Orange County

P. O. Box 53743, Irvine, CA 92619

Spectrum Risk Management & Insurance Services, LLC

74 Discovery, Irvine, CA 92618

Edgewood Partners Insurance Center

19000 MacArthur Blvd, Penthouse Floor, Irvine, CA 92612

Dealer Protection Insurance Services

36 Discovery, Suite 130, Irvine, CA 92618

ERM Insurance Brokers

2101 Business Center Drive, Suite 150, Irvine, CA 92612

Garrett/Mosier Insurance Services, Inc.

12 Truman, Irvine, CA 92620

Armstrong/Robitaille/Riegle Business and Insurance Solutions

830 Roosevelt #200, Irvine, CA 92620

Terence Edward Dorse

1 Post Ste 200, Irvine, CA 92618

2

$1,367

The average Irvine resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

219

That's equal to 219 cups of coffee or $547 in savings

See How Much You Can Save in Irvine

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Ross Martin photo
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross has spent the last three years with The Zebra researching and writing insurance content aimed at helping shoppers make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

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.