How Much Does Auto Insurance Cost in Irvine?
On average, premiums in California surpass the national average by 11%. Premiums run high in the city as well, so in Irvine, it is imperative to save while insuring a vehicle. Review our tips to save on Irvine car insurance and save some hard-earned money.
INSURANCE COSTS: IRVINE VS. NATIONAL/STATE MEAN
|City Average||State Average||National Average|
Irvine Car Insurance by Violation or Accident History
Do you have a history of accidents or violations? That can influence your car insurance premiums. The amount of damage caused by an accident plays a role in how significantly insurance rates will climb. When comparing rates for drivers with at-fault accidents in Irvine, those with damages exceeding $2,000 pay $1,111 more than those with damages less than $1,000. $3,232 is the additional cost per year for drivers with a DUI or reckless driving charge in Irvine, compared to the city average of $1,783.
AVERAGE IRVINE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$1,783|
|At-fault Accident (damages greater than $2,000)||$2,894|
|Speeding Ticket (16-20 mph over speed limit)||$2,403|
Irvine Auto Insurance by Gender and Marital Status
Pricing for car insurance premiums in Irvine is determined by a variety of inputs, including gender and marital status. Rates for those who are widowed are moderately cheaper than rates for those who are single. Being married can save you approximately 4% per year compared to being single or divorced. Premiums for men and women tend to deviate somewhat, with women paying more.
IRVINE AUTO INSURANCE RATES BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
Irvine Car Insurance Premiums by Age Bracket
Looking across all age groups, drivers in their 60s have the lowest insurance payments. Their rates typically average $1,547/year. However, people in their 50s ($1,583) aren’t paying significantly more. Car insurance premiums are highest for teenage drivers, with typical rates of $6,527 per year. The most significant decline in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Irvine start paying $4,980 less in premiums. Car insurance premiums in Irvine continue to trend downward up until drivers hit 70.
IRVINE AUTO INSURANCE PREMIUMS BY AGE
* Credit score is considered discriminatory in California and thus is not used as a rating factor when companies determine how much you'll pay for auto 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. 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
Spectrum Risk Management & Insurance Services, LLC
74 Discovery, 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
United Agencies - Orange County
P. O. Box 53743, Irvine, CA 92619
Dealer Protection Insurance Services
36 Discovery, Suite 130, Irvine, CA 92618
Edgewood Partners Insurance Center
19000 MacArthur Blvd, Penthouse Floor, Irvine, CA 92612
The average Irvine resident's annual cost of coverage
Our customer's average savings after comparing insurance
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