120+ more){kind=small}
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
){kind=small}
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
){kind=small}
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
Drivers in Irvine pay an average of $107 per month for the state-minimum liability coverage and $214 per month for full-coverage car insurance. This is slightly higher than the statewide averages in California of $98 per month for liability coverage and $203 for full coverage. Irvine’s rates are very similar to those in nearby Santa Ana.
Irvine’s population has increased in recent years, according to the U.S. Census Bureau, which likely factors into its rates.[1] A higher population means more drivers, and more drivers can lead to higher traffic and increased accidents. Drivers in Irvine pay higher average premiums than people in Santa Maria and Temecula, which have smaller populations.
Insurify partners with 120+ insurers for real auto insurance quotes
USAA is the cheapest car insurance in Irvine for liability insurance, at $71 per month. Aspire General has the lowest rate for full coverage in the city, at $132 per month. These rates fall well below California’s averages.
The state-minimum insurance requirements in California include $30,000 per person and $60,000 per accident for bodily injury liability, as well as $15,000 in property damage liability coverage.[2]
That said, many drivers opt for a full-coverage policy, which costs more but extends protection to your vehicle with collision coverage and comprehensive coverage. A liability-only policy only covers the damages and injuries you cause others.
The following table shows the cheapest liability and full-coverage car insurance rates in Irvine.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $71 |
| GEICO | $72 |
| Aspire General | $73 |
| Sun Coast | $75 |
| Mercury | $77 |
| National General | $77 |
| Progressive | $79 |
| Dairyland | $87 |
| Direct Auto | $90 |
| Root | $92 |
| Anchor | $100 |
| Farmers | $100 |
| Bristol West | $108 |
| State Farm | $108 |
| Kemper Special | $109 |
| Travelers | $113 |
| Kemper Rsvp | $121 |
| 21st Century | $123 |
| Hugo | $158 |
| First Acceptance | $164 |
| Chubb | $193 |
Insurance Company | Average Monthly Quote |
|---|---|
| Aspire General | $132 |
| Root | $145 |
| GEICO | $152 |
| Mercury | $155 |
| Progressive | $158 |
| USAA | $161 |
| Kemper Special | $174 |
| Kemper Rsvp | $178 |
| Sun Coast | $184 |
| Anchor | $191 |
| National General | $214 |
| Dairyland | $217 |
| Direct Auto | $222 |
| Farmers | $229 |
| Bristol West | $236 |
| State Farm | $247 |
| Travelers | $260 |
| 21st Century | $282 |
| First Acceptance | $371 |
| Chubb | $440 |
Irvine has an average car insurance rate of $161 per month. Irvine drivers pay slightly more than California’s average car insurance rate of $150 per month.
Car insurance in Irvine is much cheaper than coverage in California’s most expensive cities, like Beverly Hills, Glendale, and Los Angeles. But coverage in Irvine is more expensive than in cities like Santa Maria and Temecula.
Irvine has experienced significant population growth in recent years, and most residents rely on cars to get around, which results in increased traffic. This can lead to more accidents, which can drive up car insurance rates.
Take a look at the table below to see the average monthly car insurance rates in other cities in California.
City | Average Monthly Quote |
|---|---|
| Lompoc | $108 |
| Ridgecrest | $109 |
| San Luis Obispo | $109 |
| Chico | $110 |
| Santa Cruz | $112 |
| Redding | $113 |
| Hanford | $114 |
| Santa Maria | $115 |
| Woodland | $115 |
| Tulare | $118 |
| Visalia | $118 |
| Palm Desert | $119 |
| Campbell | $121 |
| Poway | $121 |
| Santee | $121 |
| Santa Barbara | $123 |
| Hollister | $125 |
| La Quinta | $125 |
| La Mesa | $127 |
| Napa | $127 |
| Petaluma | $129 |
| Dublin | $130 |
| Santa Rosa | $130 |
| Cathedral City | $131 |
| Chula Vista | $131 |
| Vista | $131 |
| Novato | $132 |
| Pacifica | $132 |
| San Marcos | $132 |
| Bakersfield | $133 |
| Brentwood | $133 |
| Yuba City | $133 |
| Folsom | $134 |
| Fresno | $134 |
| Milpitas | $134 |
| Palm Springs | $134 |
| Beaumont | $135 |
| Oceanside | $135 |
| San Clemente | $135 |
| San Diego | $135 |
| Hemet | $137 |
| Lake Forest | $137 |
| Temecula | $137 |
| Fremont | $138 |
| Lodi | $138 |
| San Ramon | $138 |
| Concord | $139 |
| Oxnard | $139 |
| Camarillo | $140 |
| Cupertino | $140 |
| Escondido | $140 |
| San Jose | $140 |
| Saratoga | $140 |
| West Sacramento | $140 |
| Aliso Viejo | $141 |
| Palo Alto | $141 |
| Redlands | $141 |
| Ceres | $142 |
| Fairfield | $142 |
| San Mateo | $143 |
| El Cerrito | $144 |
| Menifee | $144 |
| Modesto | $144 |
| Roseville | $144 |
| Laguna Niguel | $145 |
| National City | $145 |
| Watsonville | $145 |
| Citrus Heights | $146 |
| Elk Grove | $146 |
| Santa Clara | $146 |
| El Cajon | $147 |
| Norco | $147 |
| Tracy | $147 |
| Colton | $148 |
| Wildomar | $148 |
| Murrieta | $149 |
| South San Francisco | $149 |
| Placentia | $150 |
| Stockton | $150 |
| Thousand Oaks | $151 |
| Antioch | $153 |
| Huntington Beach | $153 |
| Pittsburg | $153 |
| Vallejo | $153 |
| Corona | $154 |
| Lathrop | $154 |
| Orange | $154 |
| Riverside | $154 |
| Hayward | $155 |
| Moreno Valley | $155 |
| Berkeley | $156 |
| Chino | $156 |
| Perris | $156 |
| Brea | $157 |
| Cypress | $157 |
| San Leandro | $157 |
| Chino Hills | $158 |
| Newport Beach | $158 |
| La Mirada | $159 |
| Ontario | $159 |
| Santa Ana | $159 |
| Rialto | $161 |
| Sacramento | $161 |
| San Bernardino | $161 |
| Fontana | $162 |
| Garden Grove | $162 |
| Fountain Valley | $164 |
| Hesperia | $164 |
| Azusa | $165 |
| Rancho Cucamonga | $165 |
| Victorville | $165 |
| Anaheim | $167 |
| Buena Park | $167 |
| Adelanto | $169 |
| San Pedro | $169 |
| La Puente | $170 |
| Simi Valley | $170 |
| Whittier | $170 |
| Norwalk | $171 |
| Pomona | $172 |
| San Francisco | $172 |
| Covina | $173 |
| Diamond Bar | $173 |
| Torrance | $174 |
| Long Beach | $175 |
| Oakland | $175 |
| Paramount | $175 |
| Carson | $178 |
| Richmond | $178 |
| Cerritos | $179 |
| Temple City | $179 |
| Walnut | $179 |
| Lancaster | $182 |
| Santa Clarita | $186 |
| Culver City | $187 |
| Pasadena | $188 |
| El Monte | $189 |
| Palmdale | $189 |
| Bell Gardens | $191 |
| San Gabriel | $195 |
| Lynwood | $204 |
| Compton | $206 |
| Santa Monica | $207 |
| Inglewood | $210 |
| Burbank | $221 |
| Studio City | $224 |
| Los Angeles | $230 |
| Winnetka | $242 |
| Reseda | $247 |
| Northridge | $250 |
| West Hollywood | $256 |
| Glendale | $276 |
| Beverly Hills | $279 |
Driving in Irvine doesn’t present any major challenges, but you should consider a few local factors.
One of the biggest concerns Irvine drivers should consider is that roughly 17% of California drivers are uninsured, according to the Insurance Information Institute. Make sure you purchase uninsured/underinsured motorist coverage to protect against collisions with uninsured drivers.
Irvine can also see quite a bit of traffic, especially during morning and evening commutes. Certain heavily trafficked areas include the Irvine Spectrum Center and John Wayne Airport. So, budget extra time to get to your destination if you’re driving in or around these areas.
Irvine faces severe weather common in California, including flood and wildfire risks. Inland from the coast, Irvine’s dry summers can elevate wildfire risks in particular. Keep an eye on local air quality and weather alerts before going on longer drives.
Average liability quotes start at $71/mo.
Your driving record is the most significant factor affecting your car insurance rates, as your claims history directly indicates how you’ve driven in the past.
In Irvine, 2.3% of drivers have a speeding ticket on their record, 5.2% have an at-fault accident, and 0.6% have a driving under the influence (DUI) conviction, according to Insurify data. California strictly enforces DUI laws, so getting a DUI in particular can affect your car insurance costs for years.
California is a comparative fault state, meaning drivers may share fault for a car accident in some cases, even if one is more responsible for the collision.[3]
Check out the table below to see average rates by driving record for drivers in Irvine.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $161 |
| Speeding ticket | $205 |
| At-fault accident | $207 |
| DUI | $221 |
Your age also has a significant effect on your car insurance rates. Teen drivers pay much more than older drivers because of their limited driving experience. Insurers consider teenage drivers high risk and charge them high car insurance rates. In 2023, California recorded 4,061 fatalities from crashes involving young drivers in the state.[4]
Senior drivers pay significantly lower rates, provided they have clean driving records. Insurers see their years of driving experience and deem them lower risk than younger drivers.
Check out the table below to see average monthly rates for drivers of different ages in Irvine.
Age | Average Monthly Quote |
|---|---|
| Teens | $282 |
| 20s | $209 |
| 30s | $158 |
| 40s | $149 |
| 50s | $148 |
| 60s | $142 |
| 70+ | $148 |
*Quotes generated for Insurify users in and around Irvine, California within the last 10 days. Last updated on October 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Irvine, California within the last 10 days. Last updated on October 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
){kind=small}
Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
){kind=small}
Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
){kind=small}
Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
Check out the answers to some of the most commonly asked questions about auto insurance in Irvine.
The average cost of car insurance in Irvine, California, is $161 per month. Drivers pay an average of $107 per month for liability coverage and $214 per month for full coverage. You should always compare quotes from multiple insurance companies in California for the best rates.
USAA, GEICO, and Aspire General are the cheapest car insurance companies in Irvine, with average monthly liability rates of $71, $72, and $73, respectively.
Most insurers in Irvine offer multiple car insurance discounts, including bundling discounts for insuring multiple vehicles or purchasing multiple insurance products, such as auto insurance with home insurance or renters insurance.
You can also earn discounts for safe driving, completing a defensive driving course, and more. Ask your insurer about which discounts you qualify for.
Many personal factors will affect car insurance rates in Irvine, including your driving record, age, coverage levels, deductibles, and more. But California is one of the few states in the country that doesn’t allow insurers to consider credit history when setting rates.
Car insurance in Irvine is slightly more expensive than the California car insurance average, but well below many of the state’s most expensive cities.
That said, it’s more expensive than some of the cheapest cities for insurance due to its growing population and traffic density. Irvine faces major flood risks and moderate wildfire risks, which likely increase average premiums in the city.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
