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 AverageState AverageNational Average
$1,682$1,713$1,427


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/GenderAverage Rate
Female$1,690
Male$1,682
Single$1,682
Married$1,607
Divorced$1,682
Widowed$1,614


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
AgeAverage Rate
Teenagers$6,248
20s$2,447
30s$1,653
40s$1,602
50s$1,490
60s$1,457
70s$1,633


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
Incident/ViolationAverage Rate
DUI$4,784
Reckless Driving$4,784
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.

34

Rainy Days a Year

13"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Irvine

Major Highways
I-5 I-405 SR 73
Public Transit
OCTA Bus Metrolink Rail
Toll Roads
SR 261

Car Insurance Companies in Irvine

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

See All

$1,367

The average Irvine resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

219

That's equal to 219 cups of coffee or $547 in savings

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Irvine Car Insurance

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