Irvine, CA Car Insurance
How much does car insurance cost in Irvine?
The current going rate for auto insurance in Irvine is $971 for a six-month policy, which is approximately $162 per month on average. It is highly recommended to compare rates from different insurance companies to find the best deal for you.
Residents of Irvine pay more than the state average for California ($966) every six months and significantly more than the US average of $880. Of our customers in Irvine, 35% used our service because they were paying too much for car insurance. Keep reading to get more information about what fair rates in Irvine look like and how these costs are calculated.
| Car Insurance in Irvine vs. California | Avg. 6 Mo. Premium |
|---|---|
| Irvine Average | $971 |
| California Average | $966 |
The cheapest car insurance companies in Irvine
Wawanesa is the cheapest company at $92 per month or $553 for a six-month policy.
GEICO came in as a close second and costs $115 per month.
Capital Insurance Group, a regional company serving only select Pacific Northwestern states, takes third place with six-month policies at $791 on average ($132 per month).Â
The Zebra's key takeaways about car insurance in Irvine:
- The average cost of a car insurance policy in Irvine is $971 per six-month policy — or $162 per month.
- The cheapest company in Irvine is Wawanesa ($553 every six months).
- 35% of Zebra customers in Irvine stated they used our product because they were paying too much for car insurance.
Are you paying too much for auto insurance?
Irvine car insurance rates by company
Based on our latest 2022 data, Irvine residents can acquire cheap full coverage car insurance from Wawanesa, with a monthly cost of $92 or $553 for a six-month policy. GEICO is the second least expensive option, with an average monthly cost of $115 or $692 for a six-month policy.
Learn more about top-rated car insurance companies based on The Zebra's Customer Satisfaction Survey.
Below, discover which car insurers have the best ratings according to The Zebra's Customer Satisfaction Survey.
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Cheapest car insurance companies in Irvine, CA
| Company | Avg. 6 Mo. Premium |
|---|---|
| Wawanesa | $553 |
| GEICO | $692 |
| Capital Insurance Group | $791 |
| USAA | $804 |
| Progressive | $968 |
| Nationwide | $1,073 |
| Allstate | $1,094 |
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Shop around for the best rates
Finding inexpensive coverage that suits your needs is best accomplished through comparison. Insurance providers have differing rates, and it's essential to do your research. Let The Zebra handle the task - enter your ZIP code to view rates from top insurers like Progressive, GEICO, Allstate, and numerous others in Irvine.
Average car insurance in Irvine by rating factor
Many details are considered by insurance companies when calculating individual rates. These rating factors are typically used by all auto insurance providers, but the weight they assign to each factor can vary. For instance, one insurer may emphasize credit score more, whereas another might place greater importance on your claims history.
Remember that the best insurance company for you can vary over time. As your circumstances change and your insurance needs evolve, make it a priority to obtain quotes from different providers every so often to ensure that you're getting the best rates and coverage possible in Irvine.
Q: I didn't have an accident — Why is my insurance going up?
A:Â End-of-year earnings heavily influence the amount you'll pay for auto insurance. You may be an outstanding driver with a flawless driving record, but the rising cost of doing business in Irvine may cause you to pay a higher premium to one insurance company over another.
Auto insurance premiums by age in Irvine
Irvine's car insurance rates are largely determined by age. Insurance companies use data to evaluate the risk level of drivers and their probability of filing a claim or getting into an accident. Teens drivers, in particular, are more susceptible to accidents, which is why they typically have the highest insurance premiums to help offset the cost of their claims. Drivers in their teens in Irvine pay an average of $1,286 more than those in their 20s, representing the largest gap between any two age groups at 104%.
Teen drivers and their parents may be taken aback by the high cost of insurance, but it's crucial to bear in mind that insurance companies are primarily focused on risk management. Despite the initial expense, the cost will decrease as the teen driver accumulates more experience on the road and exhibits a safe driving record.
Cheapest car insurance companies for teen drivers in Irvine, CA
| Company | Avg. 6 Mo. Premium |
|---|---|
| Wawanesa | $927 |
| GEICO | $1,638 |
| USAA | $1,776 |
| Capital Insurance Group | $1,846 |
| Progressive | $2,421 |
| Allstate | $2,442 |
| Nationwide | $3,443 |
Zebra Tip: The cheapest company for Irvine drivers across all age groups is Wawanesa
Irvine's driving population is predominantly comprised of individuals aged 20 to 40. Generally, this demographic pays an average of $1,109 every six months, but by electing to go with Wawanesa, they could potentially save up to 54%.
Auto insurance premiums for minimum coverage in Irvine
Irvine drivers' selection of coverage levels is a crucial determinant of their car insurance premium. Our research reveals that 36% of Irvine drivers carry the basic level of coverage.Â
Adding collision coverage or comprehensive coverage (also known as "full coverage" when combined) to your insurance policy in Irvine will come at a higher cost, as well as require a deductible. However, a deductible can serve as a money-saving tool. Increasing your deductible will reduce your premium since the two are inversely proportional.
In Irvine, insurance providers also offer additional benefits such as roadside assistance or uninsured motorist coverage that can provide coverage in the event of a collision with an underinsured driver. Although these features may raise your overall rates, The Zebra still recommends carrying them as a means of securing additional financial protection and peace of mind.
Q: Can I lower my car insurance coverage?
A: Possibly — if your vehicle is paid off.
If you are leasing or financing your car, your lender may have insurance requirements that must be met. However, if you own your vehicle, you may be considering dropping comprehensive or collision insurance to save money. The Zebra suggests using a resource such as Kelley Blue Book to determine the actual cash value of your car before deciding if it's worth reducing your insurance coverage. A good rule of thumb is that if your car is worth less than $4,000, you can probably eliminate your collision coverage, but remember that you would be responsible for repairs after a collision.
Cheapest car insurance companies for minimum coverage in Irvine, CA
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $195 |
| USAA | $235 |
| Wawanesa | $251 |
| Progressive | $278 |
| Capital Insurance Group | $311 |
| Nationwide | $351 |
| Allstate | $401 |
Most of our customers in Irvine opt for the basic level of coverage, but this may not be the best option for everyone. While we understand this is a budget-friendly solution, it does leave you at risk for damages that exceed your liability limits. California's 15/30/5 liability limits provide coverage for damage you cause up to $15,000 per person in bodily injury, $30,000 per accident in bodily injury and $5,000 for property damage. While this may be sufficient for most standard car accidents, it might not be for bodily injury claims or multi-vehicle accidents.
Learn more about insurance laws in California.
Irvine car insurance rates by credit score
Using a driver's credit score to influence premiums is considered discriminatory in California and is therefore not used as a rating factor when determining how much you'll pay for auto insurance each year. 59% of The Zebra's Irvine customers have a good (680-719) credit score.
Auto insurance rates with an at-fault accident
Collision-type accidents and at-fault violations are the most common types of insurance claims in Irvine. These types of incidents can significantly increase your rates. In 2023, an at-fault accident raised the average car insurance rates in Irvine by a difference of $162 to $280 per month. Wawanesa is the cheapest insurance company in Irvine after an at-fault accident, with USAA a close second.
To keep your insurance rates affordable in Irvine, your best bet is to drive safely and avoid violations. While some things are beyond our control, do your best to avoid charges such as speeding citations, DUIs or DWIs, and reckless driving. Your car insurance rates will likely be impacted by these incidents for three to five years, and some of the more serious violations can follow you for even longer periods.
Cheapest car insurance companies after an at-fault accident in Irvine, CA
| Company | Avg. 6 Mo. Premium |
|---|---|
| Wawanesa | $833 |
| USAA | $1,143 |
| Capital Insurance Group | $1,161 |
| GEICO | $1,258 |
| Nationwide | $1,568 |
| Progressive | $1,919 |
| Allstate | $2,371 |
Irvine car insurance rates by violation
Below, check out how different violations and claims will affect your rate in Irvine.
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Car insurance rate increases after violations and citations in Irvine, CA
Why is car insurance in Irvine so expensive?
Auto insurance in Irvine can be a major expense, especially if you're a younger driver or have a spotty driving history. There are many reasons why insurance rates in this area are so high, including the overall cost of living and the prevalence of accidents and thefts. Additionally, insurance companies in Irvine often have to charge more to cover their expenses, which can include everything from office rent to employee salaries. All of these factors can make it difficult to find affordable car insurance in this part of California.
Drivers in Irvine may find that their auto insurance rates vary depending on where they live within the city. Areas with higher crime rates or an increased risk of accidents or thefts can be more expensive to insure, as insurers must account for the added risk. This can make auto insurance a significant expense for drivers in some parts of the city, while those in safer neighborhoods may be able to find more affordable coverage. Ultimately, your location can play a big role in the cost of your car insurance.
Expensive Irvine ZIP codes: 92697, 92612, 92603
Cheap Irvine ZIP codes: 92604, 92620, 92617
While California is famous for its mild, pleasant weather, the state is still susceptible to natural disasters, especially wildfires. With over 9,200 fires and two million acres burned in 2021, California tops the list nationally for wildfire events.[2]
In the past, catastrophic damage caused by weather and other natural disasters has bankrupted insurance companies. While this is less likely to occur in California — and Irvine, in particular — insurance companies will raise their rates to anticipate further weather-related losses. In fact, many companies have pulled out of the California homeowners insurance market due to wildfire risks.
With its high population and busy roads, Irvine is a city that sees its fair share of accidents and violations. When there are more claims in an area, insurance companies often have to pass on the added costs to drivers in the form of higher premiums. For drivers in Irvine, this can make auto insurance a significant expense, especially if they're involved in an accident with an uninsured driver. Irvine's proximity to Los Angeles also contributes to commuter traffic and its high cost of living.Â
Zebra Tip: Comprehensive coverage and uninsured property damage coverage are good to have in Irvine
When it comes to protecting your vehicle against weather-related damage, comprehensive coverage can be a valuable addition to your auto insurance policy. This coverage can help cover the cost of repairs or replacement if your vehicle is damaged by floods, hurricanes, or other weather-related incidents. By adding comprehensive coverage to your policy, you can have greater peace of mind knowing that you're covered in case of unexpected weather-related damage.
Uninsured motorist coverage (UMPD) can also be a valuable addition to your auto insurance policy, particularly if you live in an area with a high rate of uninsured drivers. This coverage can help protect you in the event of an accident with an uninsured driver, covering damages to your vehicle or medical bills resulting from any injuries sustained. UMPD coverage is often less expensive than collision coverage and filing a claim under this coverage typically has less of an impact on your insurance rates in the long run.
Bundling insurance policies in Irvine
With car insurance premiums on the rise, it's no surprise that drivers are looking for ways to save money. One effective strategy is to bundle your policies with a single insurance company. By combining your auto insurance with a renters or homeowners policy, you may be able to take advantage of discounts that could significantly reduce your premiums. Some insurers offer savings of up to 10% for policyholders who bundle their home and car insurance.
Combining your car and home insurance policies with a single insurer can be a great way to save money on your premiums. If you currently have separate policies, it's worth reaching out to your agent to see if bundling is an option for you. And if you're shopping around for a new insurance company, be sure to ask about bundling discounts. Many insurers offer special rates for policyholders who bundle their home and auto coverage. The companies below are known for offering some of the best deals on bundled coverage.
Cheapest car insurance companies for bundling home and auto insurance in Irvine, CA
| Company | Avg. 6 Mo. Premium |
|---|---|
| Wawanesa | $553 |
| Capital Insurance Group | $670 |
| GEICO | $692 |
| USAA | $727 |
| Nationwide | $810 |
| Progressive | $829 |
| Allstate | $1,074 |
While there are factors that influence your car insurance premium that are outside of your control, you can still take steps to find an affordable rate. One of these steps is shopping around for auto insurance quotes from different companies. By comparing rates and coverage options, you can find the most cost-effective policy that provides the protection you need when you're behind the wheel.
If you're looking to save money on your car insurance, it's important to be aware of potential rate changes that may occur after significant life events or financial changes. Improving your credit or celebrating a milestone birthday can lead to lower premiums. And if you find that your current insurance company is too expensive, don't hesitate to do your research and switch to a provider that better fits your budget and coverage needs.
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Frequently asked questions
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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.