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 AverageState AverageNational Average
$1,783$1,748$1,569


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
Violation/IncidentAverage Rate
DUI$5,015
Reckless Driving$5,015
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/GenderAverage Rate
Female$1,792
Male$1,783
Single$1,783
Married$1,703
Divorced$1,783
Widowed$1,711


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
AgeAverage Rate
Teenagers$6,527
20s$2,574
30s$1,754
40s$1,699
50s$1,583
60s$1,547
70s$1,666


* 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.

34

Rainy Days a Year

13"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Irvine

2
Major Highways
I-5 I-405 SR 73
2
Public Transit
OCTA Bus Metrolink Rail
2
Toll Roads
SR 261

Find Local Irvine Agents

Armstrong/Robitaille/Riegle Business and Insurance Solutions

830 Roosevelt #200 Irvine, CA 92620

Spectrum Risk Management & Insurance Services, LLC

74 Discovery Irvine, CA 92618

Dealer Protection Insurance Services

36 Discovery, Suite 130 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

Terence Edward Dorse

1 Post Ste 200 Irvine, CA 92618

United Agencies - Orange County

P. O. Box 53743 Irvine, CA 92619

Edgewood Partners Insurance Center

19000 MacArthur Blvd, Penthouse Floor Irvine, CA 92612

2

$1,367

The average Irvine resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

219

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

See How Much You Can Save in Irvine

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