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Cheap Auto Insurance Quotes in Irvine, CA (January 2022)

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Last Updated: January 2022

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.

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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

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

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 company reviews. The following are the top rated companies 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

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.

Driving History
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.

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.

Find local Irvine agents

Spectrum Risk Management & Insurance Services, LLC
74 Discovery, Irvine, CA 92618
The Liberty Company Insurance Brokers, Inc.
111 Pacifica, Suite 230, Irvine, CA 92618
United Agencies - Orange County
P O Box 53743, Irvine, CA 92619
SullivanCurtisMonroe Insurance Services, LLC
1920 Main St Ste 600, Irvine, CA 92614-7226
Dealer Protection Insurance Services
8659 Research Drive, Irvine, CA 92618
Arthur J. Gallagher & Co.
18201 Von Karman, Suite 200, Irvine, CA 92612
Gwenne Gillum Insurance Services
18100 Von Karman Ave., Suite 850, Irvine, CA 92612
GMGS Risk Management & Insurance Services
6201 Oak Canyon, Suite 100, Irvine, CA 92618
Heffernan Insurance Brokers
18004 Sky Park Cir Ste 210, Irvine, CA 92614-6484
KCAL Insurance Agency (Irvine)
14795 Jeffrey Rd #209, Irvine, CA 92618

Insurify Insights: How Irvine Drivers Measure Up

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

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Irvine drivers measure up to their fellow California motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Irvine

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Irvine drivers rank 126 in the number of car accidents per driver across all cities in California.

  • Rank within state: #126
  • Percent of drivers in Irvine with an accident: 10.87%
  • Drivers in Irvine, CA with an accident in their driving history paid on average 16.92% more than drivers with a clean record

Speeding in Irvine

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in California, Irvine drivers rank 168 in the number of speeding infractions per driver.

  • Rank within state: #168
  • Percent of drivers in Irvine with a speeding ticket: 5.83%
  • Drivers in Irvine, CA with a speeding ticket in their driving history paid on average 28.86% more than drivers with a clean record

DUI/DWIs in Irvine

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Irvine drivers rank 115 in the number of DUI’s per driver across all cities in California.

  • Rank within state: #115
  • Percent of drivers in Irvine with a DUI: 2.37%
  • Drivers in Irvine, CA with a DUI in their driving history paid on average 22.39% more than drivers with a clean record

Most Popular Vehicle in Irvine

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Irvine is the Honda Civic.

Rude Drivers in Irvine

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in California, Irvine drivers rank 37 in rude driving infractions.

  • Rank within state: #37
  • Percent of drivers in Irvine with a reckless driving violation: 2.55%
  • Drivers in Irvine, CA with a reckless driving violation in their driving history paid on average 26.37% more than drivers with a clean record.

Safest Drivers in Irvine

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Irvine drivers rank 16 in clean driving records across all cities in California.

  • Rank within state: #16
  • Percent of drivers in Irvine with clean record: 82.33%

Failure to Yield the Right of Way in Irvine

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Irvine drivers rank 22 in failure to yield violations per driver across all cities in California.

  • Rank within state: #22
  • Percent of drivers in Irvine with a failure to yield violation: 0.36%
  • Drivers in Irvine, CA with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Irvine

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in California, Irvine drivers rank 58 in the number of reckless driving offenses per driver.

  • Rank within state: #58
  • Percent of drivers in Irvine with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership in Irvine

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Irvine drivers rank 12 in hybrid and electric vehicle ownership across all cities in California.

  • Rank within state: #12
  • Percent of drivers in Irvine with a hybrid/electric vehicle: 8.13%

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.

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.


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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