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
Garrett/Mosier Insurance Services, Inc.
12 Truman Irvine, CA 92620
United Agencies - Orange County
P. O. Box 53743 Irvine, CA 92619
Edgewood Partners Insurance Center
19000 MacArthur Blvd, Penthouse Floor Irvine, CA 92612
Dealer Protection Insurance Services
36 Discovery, Suite 130 Irvine, CA 92618
Terence Edward Dorse
1 Post Ste 200 Irvine, CA 92618
Armstrong/Robitaille/Riegle Business and Insurance Solutions
830 Roosevelt #200 Irvine, CA 92620
ERM Insurance Brokers
2101 Business Center Drive, Suite 150 Irvine, CA 92612
Spectrum Risk Management & Insurance Services, LLC
74 Discovery Irvine, CA 92618
The average Irvine resident's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Irvine
Just enter your zip code to get started
Irvine Car Insurance
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
Digital Insurance Cards: Which States Accept Them?
May 19, 2017
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
Driverless Car Laws by State
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
4 Consequences of Driving without Insurance
Jan 27, 2017
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
The Rundown on “No Refusal” Weekends
Dec 20, 2016
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
Driver’s License Points: Do They Matter?
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Which States Have the Cheapest Car Insurance?
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...