What drives up car insurance rates in Irvine?
Car Insurance in Irvine
It is known that California has pricey premiums, as its mean rate surpasses the national average by $286. Premiums also run high in the city, so if you are insuring a vehicle in Irvine, saving money is vital. Keep some money in your pocket by following the tips below about how to save on car insurance in Irvine.
- City Average: $1,682
- State Average: $1,713
- National Average: $1,427
Irvine Car Insurance by Age
The most significant decrease in premiums between any age group is from the teenage age range to the 20s, as drivers in Irvine start seeing a reduction in premiums of $3,802. Car insurance premiums continue to trend downward up until drivers hit 70. With average payments of $6,248, teenage drivers are the ones who pay the most in car insurance premiums. Everybody loves to save money, and luckily for drivers in their 60s, they do just that! They have the lowest car insurance payments among any age group, with rates of $1,457 per year. Those in their 50s ($1,490) aren’t paying much more.
- Teenagers: $6,248
- 20s: $2,447
- 30s: $1,653
- 40s: $1,602
- 50s: $1,490
- 60s: $1,457
- 70s: $1,633
Irvine Car Insurance by Gender and Marital Status
Both gender and marital status can play a role in your car insurance premiums in Irvine. However, females have premiums that are only a bit more pricey than those for males. You spend an average of 5% more per year if you're single as opposed to married. Rates for those who are widowed are somewhat cheaper than rates for those who are single.
- Female: $1,690
- Male: $1,682
- Single: $1,682
- Married: $1,607
- Divorced: $1,682
- Widowed: $1,614
Irvine Car Insurance by Accident or Violation History
Previous accidents and violations can cost you in terms of prices on car insurance. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. Drivers with a DUI or reckless driving violation in Irvine need to spend nearly triple the average for the city to insure their vehicle. In Irvine, individuals who are found at-fault in an accident pay $932 more than the city average on car insurance each year.
- DUI: $4,784
- Reckless Driving: $4,784
- At-fault Accident (damages less than $1000): $2,614
- At-fault Accident (damages greater than $2000): $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 each year.
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
Terence Edward Dorse
1 Post Ste 200 Irvine, CA 92618
Armstrong/Robitaille/Riegle Business and Insurance Solutions
830 Roosevelt #200 Irvine, CA 92620
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
ERM Insurance Brokers
2101 Business Center Drive, Suite 150 Irvine, CA 92612
Edgewood Partners Insurance Center
19000 MacArthur Blvd, Penthouse Floor Irvine, CA 92612
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Irvine Car Insurance
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