Irvine, CA Car Insurance
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Cheap Irvine Car Insurance Rates on Average
In Irvine, the average annual car insurance rate is $1,868. This is the same rate as the California statewide average, which is $1,868, and significantly higher than the $1,548 national average. In this guide, Irvine drivers will learn how the rates are calculated for car insurance by taking the following factors into account:
- Age
- Driving history
- Marital status
To learn more, be sure to keep reading and use our free auto insurance quote comparison tool to compare rates from the best car insurance companies in Irvine for your unique driving profile instantly!
Irvine Auto Insurance Rates v.s California * National Average
| Irvine Average (yearly) | California Average | National Average |
|---|---|---|
| $1,868 | $1,868 | $1,548 |
Comparing Irvine Car Insurance Companies and Their Rates
Before getting a car insurance policy in Irvine, it is best to compare rates from numerous providers. At this time, GEICO is one of the most affordable car insurance providers in Irvine. In the table below, drivers can compare various insurance providers and their average rates.
Irvine Car Insurance Rates by Insurer
| Insurance Company | Average Annual Rate |
|---|---|
| GEICO | $1,240 |
| Mercury | $1,441 |
| Infinity | $1,753 |
| AAA | $1,786 |
| Farmers | $1,945 |
Irvine Car Insurance Rates by Age
Age is a major deciding factor in calculating Irvine car insurance rates. Older drivers typically get better rates. Those in their 50s and 60s, for example, typically pay an average of $1,685 annually.
Teenagers have the highest car insurance rates, primarily due to a lack of driving experience. However, drivers are entitled to a rate decrease on their 20th birthday. Depending on these circumstances, the rate difference can be as much as $4,070 per year.
Irvine Car Insurance Premiums by Age Group
| Age bracket | Average Annual Rate |
|---|---|
| Teenagers | $6,811 |
| 20s | $2,741 |
| 30s | $1,817 |
| 40s | $1,759 |
| 50s | $1,685 |
| 60s | $1,685 |
| 70s | $1,959 |
Irvine Car Insurance Rates by Gender and Marital Status
The marital status of the drivers, along with their gender, is the next point of consideration for Irvine car insurance providers. Typically, married drivers pay less than single drivers and the same goes for drivers who are widows or widowers. For female drivers in Irvine, CA, their car insurance rates would also be higher than those of their male counterparts.
However, the difference would not usually be that big, with the average being only $4. This can change depending on the personal profile that the insurance company comes up with.
Irvine Car Insurance Rates by Gender and Marital Status
| Marital Status/Gender | Average Annual Rate |
|---|---|
| Female | $1,868 |
| Male | $1,864 |
| Single | $1,787 |
| Married | $1,790 |
| Divorced | $1,862 |
| Widowed | $1,814 |
Irvine, CA Car Insurance Rates by Driving History and Citation
A driver's history on the road will naturally play a role in determining the rate that they will get. If their driving record is spotless, they will likely get a good rate. If it is not, they will see increases in how much they will pay. The following are the factors that Irvine auto insurance companies look into when calculating your quote:
- Speeding citations
- Reckless driving citations
- DUIs
- DWIs
- At-fault accidents
Of those factors, the most problematic is reckless driving, as well as DUI. For drivers in Irvine, the former would see a rate increase by $3,191 per year. For the latter, the increase would be $3,094.
Irvine Auto Insurance Rates by Driving Record and Violation
| Violation/Incident | Average Annual Rate |
|---|---|
| DWI/DUI | $4,968 |
| Reckless Driving | $5,061 |
| At-Fault Accident (damages < $1000) | $1,869 |
| At-Fault Accident (damages > $2000) | $3,277 |
| Speeding Ticket (over 16-20 mph over speeding limit) | $2,613 |
More Factors That Increase Irvine, CA Car Insurance Rates
There are many factors that can influence the rate that Irvine car insurance carriers would charge. Some of these were already discussed above. However, there are many more points of consideration that can impact how much drivers in will need to pay for auto insurance in Irvine, CA.
Among them are:
- Where the driver lives
- The crime rate in the driver's area
- The weather
- The climate
In addition to those, ZIP is a major factor considered by insurers for affordable car insurance coverage. For reference, the ZIP codes that are the most expensive for auto insurance in Irvine are 92612 to 92697.
Expensive Irvine ZIP codes: 92617, 92620, 92614, 92603, 92697
Cheap Irvine ZIP codes: 92612, 92602, 92618, 92604, 92606
Bad weather can cause things like:
- Wet brakes
- Slick roads
- Decreased visibility
These poor weather conditions have caused 710,000 car accidents per year. There is an average of 34 rainy days in Irvine, CA per year. Additionally, Irvine is an area that is prone to earthquakes and wildfires, which also affects auto insurance rates.
Irvine Car Insurance FAQ's
Is car insurance mandatory in Irvine, CA?
Car insurance is a legal requirement across all states in the United States for car owners.
Can I get auto insurance without a car in Irvine, CA?
A non-owner car insurance policy is available for those without cars they personally own.
What is the minimum car insurance coverage required in Irvine, CA?
Bodily injury liability and property damage liability.
Will my car insurance also cover car rentals?
Personalized car insurance policies typically cover rented cars within the US.
Does my car insurance cover damage from potholes in Irvineand weather?
Normal wear and tear due to daily driving through damaged roads and harsh weather conditions are not normally covered.