How Much Are Car Insurance Rates in Irvine?
It is known that California has costly premiums, as its mean rate surpasses the national average by 20%. Premiums run high in the city as well, so in Irvine, it is crucial to cut costs while insuring a vehicle. Let's take a look at how car insurance costs in Irvine contrast with rates nationwide.
AUTO INSURANCE PREMIUMS: IRVINE VS. NATIONAL/STATE MEAN
|City Average||State Average||National Average|
Irvine Car Insurance by Gender and Marital Status
In Irvine, various driver attributes, including marital status and gender, play a role in car insurance premiums. However, premiums are barely cheaper for men than for women. Men typically pay 0.5% less than women each year for insurance. Being single, as opposed to married, can cost you roughly 5% more per year. Rates for those who are widowed are moderately cheaper than rates for those who are single.
IRVINE AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Irvine Car Insurance Rates by Age
When drivers hit their 20s in Irvine, therefore moving out of the teenage age bracket, they can save $3,802. You won't see a bigger difference between any other age group. The first time drivers can expect their age to trigger a rise in rates is when they turn 70. At $1,457, drivers in their 60s have the smallest insurance rates among any age group. However, those in their 50s ($1,490) also have relatively low premiums. With average car insurance payments of $6,248, teenage drivers have the largest premiums amongst all the age groups.
IRVINE CAR INSURANCE COSTS BY AGE
Irvine Auto Insurance for Drivers With At-Fault Accidents or Violations
Possessing an untainted driving history is vital to keep your insurance premiums minimal. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. $3,102 is the extra cost per year for drivers with a DUI or reckless driving violation in Irvine, compared to the city average of $1,682. $932 is, on average, the additional cost for car insurance in Irvine if you have an at-fault accident on your driving record.
AVERAGE IRVINE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$2,614|
|At-fault Accident (damages greater than $2,000)||$2,614|
|Speeding Ticket (16-20 mph over speed limit)||$2,274|
* Credit score is considered discriminatory in California and is therefore not used as a rating factor when determining how much you'll pay for auto insurance every year.
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. Each year there are more than 700,000 weather-related car accidents. In Irvine, you can expect 34 rainy days with an annual rainfall of 13 inches. Irvine is also known to experience earthquakes and wildfires. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Irvine Agents
Dealer Protection Insurance Services
36 Discovery, Suite 130 Irvine, CA 92618
Spectrum Risk Management & Insurance Services, LLC
74 Discovery Irvine, CA 92618
United Agencies - Orange County
P. O. Box 53743 Irvine, CA 92619
Terence Edward Dorse
1 Post Ste 200 Irvine, CA 92618
Edgewood Partners Insurance Center
19000 MacArthur Blvd, Penthouse Floor Irvine, CA 92612
Garrett/Mosier Insurance Services, Inc.
12 Truman Irvine, CA 92620
ERM Insurance Brokers
2101 Business Center Drive, Suite 150 Irvine, CA 92612
Armstrong/Robitaille/Riegle Business and Insurance Solutions
830 Roosevelt #200 Irvine, CA 92620
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Irvine Car Insurance
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