Cheap Auto Insurance Quotes in Irvine, CA (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

To out-of-towners, it might seem like Irvine is the same as Los Angeles, but this suburb is actually completely separate and is home to just under 300,000 people. Irvine is part of Orange County, and the area is becoming increasingly populated as years go by. Driving in Irvine isn’t without its fair share of traffic jams, so it’s advised that you allow yourself extra time to get to your destination and make sure you’re enrolled in adequate car insurance coverage.

Car Insurance in Irvine, CA

The average cost of California car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Irvine, CA to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Irvine, CA

Here are the cheapest carriers in Irvine for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Irvine, CA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Irvine. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Irvine, CA Driving Facts

Minimum Car Insurance Requirements in CA

California effected a number of new traffic laws for 2018, including legislation on DUI policies for rideshare service drivers, seat belts on public transport, and smoking or ingesting cannabis in moving vehicles. Most significantly, a change in the California Department of Motor Vehicle's road rehabilitation and maintenance program signals that registration or renewed registration of a motor vehicle will now come with a fee of $25 to $175.

California's minimum liability car insurance limits are as follows:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident
california

Irvine Car Insurance Rates by Driver Age

The average auto insurance rate in Irvine doesn’t follow the same pattern that many other cities follow across the United States. Even though teen drivers have the highest average rates, at $382.99, the second-highest group, those in their 50s, is right behind with an average of $350.13. The lowest average premium rates in the city belong to those in their 70s, at $156.63. Notably, the average price spikes for those in their 80s to $254.67.

Driver's AgeAvg. Monthly Cost
teens$383
20s$280
30s$216
40s$209
50s$351
60s$270
70s$157
80s$255
Driving HistoryAvg. Monthly Cost
No Violation$227
Speeding Ticket$279
At-Fault Accident$355
Failure to Stop for Red Light / Stop Sign$274

Irvine Car Insurance Rates by Driving and Accident History

Driving violations and a history of accidents both play a role in determining the average auto insurance premium rates in Irvine. Drivers who manage to avoid violations and keep a clean record reap the majority of the benefits. Their average premium often comes in around $226.72, while those with violations pay much more. Small violations like speeding can result in an increase to $278.47, while things such as at-fault accidents can make averages skyrocket to $354.15.

Irvine Car Insurance Rates by Credit Tier

The struggle for many Irvine insurance companies is finding the best way to determine the risk of insuring someone. Looking at credit scores and ratings has become a popular way to help predict how risky a driver will be. Drivers with an excellent credit rating are often seen as less risky and, as such, pay an average premium rate around $239.72. However, motorists who currently have a poor rating may be placed in a higher-risk category, resulting in an average premium of $259.22.

Credit TieAvg. Monthly Cost
Excellent$240
Good$257
Average$169
Poor$260

Irvine, CA DMV Information

If you’re in need of DMV services, you won’t find any in Irvine proper. However, there are several locations in neighboring cities, including Santa Ana, Costa Mesa, Laguna Hills, and other areas. Most locations are open Monday through Friday from 7 a.m. to 5 p.m. but open late on Wednesdays at 9 a.m. Wait times can vary based on the time of day, but given that this part of the state is so heavily populated, you’ll likely have a bit of downtime before you’re helped.

Public Transportation in Irvine, CA

Home to UCI, Irvine is a bustling city with many college students calling it home, so it’s only natural that there are several public transportation options available if you don’t have a vehicle. The weather is beautiful here, so walking is a popular choice. And with over 301 lane miles of bikeways, you can get from A to B with relative ease. Irvine also offers a bus system, commuter rail service, and ridesharing options like Uber and Lyft.

Conclusion: How to get the best and cheapest car insurance in Irvine, CA

Irvine offers drivers a challenge, as this suburb of Los Angeles is constantly humming with cars on the road. Thankfully, a number of freeways crisscross the area, giving motorists a variety of options to reach any given destination, even during rush hour traffic. It’s important to make sure you have the auto coverage that best meets your needs, as an accident can happen here in seconds.

Whether you’re new to Irvine or a long-time resident, it’s smart to evaluate your car insurance policy from time to time. Head over to Insurify today to see how your coverage compares to other options and see if you can save some money. Driving in Irvine doesn’t have to be stressful when you have great car insurance.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Irvine stacks up for the state of California:

honda
Honda Civic
Most Popular Car in
Irvine, CA
suspended licenses
#168
Cities with Most
Suspended Licenses Rank

FAQs - Irvine, CA Car Insurance

Is car insurance in Irvine cheap?

Driver premiums in Irvine, and California as a whole, tend to be higher than the national average due to a number of factors. Remember that your coverage will be priced based on your driving history, credit score, and more.

Do I need collision and comprehensive coverage in Irvine?

These types of protection are not legally required in California, and some drivers choose to skip them in order to save money. If you have an auto loan, it’s likely that your lender will require you to enroll in this coverage.

Where can I find inexpensive car insurance in Irvine?

Rather than spend time comparing quotes on multiple carrier websites, Irvine residents can visit Insurify. After answering a few simple questions, you can view real-time prices and enroll in the policy that best meets your driving needs.