Compare Irvine, CA Car Insurance Rates (2021)

Car insurance in Irvine, CA averages $299 a month. Irvine, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Irvine car insurance rates, compare quotes from the top car insurance companies in Irvine, CA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Irvine for teen drivers is USAA
  • The cheapest ZIP code in Irvine is 92602
  • The cheapest car insurance company in Irvine is USAA

If you need to buy Irvine, California car insurance, the options can be confusing. Everything you need to know about car insurance in Irvine, CA is right here.

You’ll find Irvine car insurance rates, the cheapest Irvine, CA car insurance companies, and information on California car insurance laws. You can also compare Irvine, California car insurance rates to San Diego car insurance rates, Anaheim car insurance rates, and Los Angeles car insurance rates.

Ready to find affordable Irvine, CA car insurance today? Enter your ZIP code for fast, free Irvine car insurance quotes.

Cheapest Irvine, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Irvine, CA car insurance rates? Every Irvine, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Irvine, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,964 $2,956 $2,173 $2,180 $8,365 $10,507 $3,760 $4,088
Farmers $2,548 $2,548 $2,319 $2,319 $8,107 $13,155 $3,019 $3,366
GEICO $1,711 $1,711 $1,609 $1,609 $5,218 $5,302 $2,459 $2,509
Liberty Mutual $2,139 $2,011 $2,009 $1,941 $4,652 $4,998 $2,393 $2,428
Nationwide $3,323 $3,166 $2,919 $2,746 $8,547 $9,423 $3,973 $3,915
Progressive $1,817 $1,873 $1,550 $1,840 $4,905 $5,914 $2,626 $2,827
State Farm $2,938 $2,938 $2,628 $2,628 $5,459 $6,783 $3,255 $3,354
Travelers $2,413 $2,328 $2,143 $2,122 $5,082 $5,751 $3,140 $3,061
USAA $1,939 $1,833 $1,894 $1,898 $4,430 $4,459 $2,686 $2,535

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Minimum Car Insurance in Irvine, CA

Every driver must carry the minimum car insurance in Irvine, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Irvine, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Irvine, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Irvine, CA to rates for a clean record with top companies.

Annual Irvine, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,794 $4,677 $7,364 $3,662
Farmers $3,462 $4,709 $5,849 $4,670
GEICO $1,932 $2,991 $3,743 $2,397
Liberty Mutual $2,450 $3,278 $2,962 $2,596
Nationwide $3,316 $4,251 $7,188 $4,251
Progressive $1,908 $3,250 $3,769 $2,749
State Farm $2,678 $3,191 $6,016 $3,106
Travelers $2,161 $3,554 $4,102 $3,203
USAA $1,800 $2,682 $4,383 $1,972

Cheapest Irvine, CA Car Insurance for Teen Drivers

Teen car insurance in Irvine, CA can be expensive. Take a look at rates from the top car insurance companies in Irvine for teenagers.

Annual Car Insurance Rates for Teen Drivers in Irvine, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,365 $10,507
Farmers $8,107 $13,155
GEICO $5,218 $5,302
Liberty Mutual $4,652 $4,998
Nationwide $8,547 $9,423
Progressive $4,905 $5,914
State Farm $5,459 $6,783
Travelers $5,082 $5,751
USAA $4,430 $4,459

Cheapest Irvine, CA Car Insurance for Seniors

Take a look at Irvine, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Irvine, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,173 $2,180
Farmers $2,319 $2,319
GEICO $1,609 $1,609
Liberty Mutual $2,009 $1,941
Nationwide $2,919 $2,746
Progressive $1,550 $1,840
State Farm $2,628 $2,628
Travelers $2,143 $2,122
USAA $1,894 $1,898

Cheapest Irvine, CA Car Insurance Rates After a DUI

A DUI in Irvine, CA increases car insurance rates. Compare Irvine, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Irvine, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,364
Farmers $5,849
GEICO $3,743
Liberty Mutual $2,962
Nationwide $7,188
Progressive $3,769
State Farm $6,016
Travelers $4,102
USAA $4,383

Cheapest Irvine, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Irvine, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Irvine, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,168 $5,080
Farmers $4,238 $5,107
GEICO $2,512 $3,019
Liberty Mutual $2,592 $3,051
Nationwide $4,192 $5,311
Progressive $2,648 $3,190
State Farm $3,611 $3,885
Travelers $2,931 $3,579
USAA $2,497 $2,921

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Cheapest Irvine, CA Car Insurance Rates by ZIP Code

Irvine car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Irvine, CA.

Annual Car Insurance Rates by ZIP Code in Irvine, California

ZIP Code Average Annual Rates
92602 $4,790
92603 $5,025
92604 $4,961
92606 $4,852
92612 $5,046
92614 $4,968
92617 $4,851
92618 $4,852
92620 $4,945
92697 $4,827

The Best Cheap Car Insurance Companies in Irvine, CA

Take a look at a side-by-side comparison of the top car insurance companies in Irvine, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Irvine, California

Insurance Company Average Annual Rates
Allstate $4,624
Farmers $4,672
GEICO $2,766
Liberty Mutual $2,821
Nationwide $4,751
Progressive $2,919
State Farm $3,748
Travelers $3,255
USAA $2,709

Category Winners: Cheapest Car Insurance in Irvine, California

Find the cheapest car insurance companies in Irvine, CA for each category right here.

Best Annual Car Insurance Rates by Company in Irvine, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Cheapest Irvine, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Irvine car insurance rates. Find the cheapest Irvine, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Irvine, California

Insurance Company Low Medium High
Allstate $4,362 $4,667 $4,844
Farmers $4,306 $4,714 $4,998
GEICO $2,499 $2,799 $3,000
Liberty Mutual $2,603 $2,851 $3,011
Nationwide $4,252 $4,839 $5,163
Progressive $2,611 $3,009 $3,137
State Farm $3,333 $3,823 $4,088
Travelers $2,794 $3,354 $3,618
USAA $2,459 $2,762 $2,907

What affects car insurance rates in Irvine, California?

What factors can have an impact on Irvine, CA car insurance? There are several reasons why Irvine car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Irvine, California.

Car Theft in Irvine

High levels of vehicle theft can make car insurance more expensive. Irvine, CA car theft statistics from the FBI indicate 198 vehicle thefts a year.

Commute Time in Irvine

The more time you spend in your car the higher the risk of an accident. The average commute length in Irvine, CA is 25.5 minutes according to City-Data.

Traffic in Irvine

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Irvine, CA traffic data from INRIX ranks Irvine as the 1009th-most congested in the world.

Compare Car Insurance Quotes in Irvine, CA

Ready to find affordable Irvine, California car insurance today? Enter your ZIP code for fast, free Irvine, CA car insurance quotes.

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