Car Insurance in Irvine

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Joel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: Jan 1, 2017

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Here's what you need to know...

  • Irvine’s average car insurance premiums are lower than the California state average
  • Because Irvine is in California, if you live there, you must purchase the minimum liability coverage mandated by the state
  • The state-required liability coverage is not enough insurance to protect you in most accidents, therefore you should consider higher coverage limits

Car insurance rates in Irvine are lower than in central California. This is mainly because motorists there enjoy less congested traffic than in the bigger cities in California.

Car insurance rates in the city average about $760 – lower than the national average and the $782 California state average.

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Still, average rates vary from one age group to the other and from individual to individual. The young student population attending college in Irvine pays higher car insurance rates than older drivers in the vicinity.

This is because of their young age, perceived high risk and lack of driving experience. Average rates for this group are the highest among all categories of drivers.

Senior drivers and a group of middle-aged drivers enjoy the lowest car insurance rates on average. Average rates for women are much lower than for male drivers.

Irvine City Information

Woman jogging in front of the city as the sun sets.

Irvine is a vibrant city in the Orange County, located on the South California coast. The 15th largest city in California, it is remarkable for its cosmopolitan nature and multicultural experience. It is defined by features such as:

  • Mild climate
  • Year-round sporting events, including water sports
  • Huge shopping malls
  • High ranking educational institutions
  • Proximity to the Nevada mountains

California has the highest car users in the country. However, because of Irvine’s smaller size, there are fewer car users in the city than those found in the wider California region.

The majority of the residents live within a short driving distance of their workplaces.

Irvine Car Insurance Requirements

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As a motorist in Irvine, there is a state minimum you are required to have by law. Here is a simple breakdown:

  • Liability insurance coverage per person worth at least $15,000
  • Liability insurance coverage per accident worth at least $30,000
  • Property damage per accident worth at least $5,000

These amounts are just the minimum below which you should not go. A single accident can cause losses that are much higher than these amounts combined, depending on how serious the accident is.

It is important for you as an individual driver to evaluate your situation and decide how much would be enough to safeguard you against loss.

The same approach should be used in buying property damage insurance. Assume there are four vehicles involved in an accident where you are at fault.

They probably won’t all be similar models and there is bound to be one that is high value. The $5,000 state minimum will certainly not be enough to compensate all the cars involved.

Purchase an amount of insurance that does not leave you vulnerable in cases of accidents such as these.

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Note that the minimum liability insurance does not cover you in any way. There is no mandatory requirement for drivers to purchase insurance coverage to protect themselves or their cars in Irvine.

However, every driver knows how important this is and should purchase additional insurance to protect themselves and their cars.

Irvine Car Insurance Laws

Laws for auto coverage in Irvine are drafted to protect all the parties involved in an accident – the driver at fault, the innocent driver who has fallen victim to the accident and any passengers or pedestrians involved.

It also seeks to protect any third party property damaged in the accident.

Irvine car insurance laws give third parties involved in accidents the right to sue the driver at fault for damages.

This law ensures that if you cause an accident where an individual gets injured, you have no option but to put up with lawsuits and pay the court fees, fine and compensation as ruled by the court.

Motorists in Irvine are not required to purchase uninsured or underinsured coverage, but it is recommended that you purchase enough coverage to protect yourself if you get involved in an accident with someone who is uninsured.

If your car has low value and it would not be economically sound to purchase comprehensive coverage for it, you should ensure that you have adequate medical insurance to take care of your medical expenses should you get injured in an accident where an uninsured driver is at fault.

Irvine Car Insurance Companies

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As one of the country’s leading cities, Irvine is served by most of the major auto insurance companies. These are car insurance companies with a nationwide presence in most cases. They include:

This list is not conclusive and there are many other companies licensed to provide auto insurance in Irvine. For residents, this is a good thing because it gives them more options to choose from.

All these companies consider the same actuarial factors when calculating the cost of car insurance but compute the risk percentages differently. Thus, the difference in rates between any two companies can be huge, even going as high as $500 or more a year.

Most of these insurance companies have agents in different areas of Orange County, ensuring representation in every corner of Irvine.

While most of the major companies have a physical address dedicated to their Irvine customers, all have a web presence.

Irvine Car Insurance Agencies

There are thousands of licensed car insurance agents in Irvine. Some are signed up with specific insurance companies while others operate independently. Agents associated with individual insurance companies sell policies offered by the partner companies only.

Independent auto insurance agents, on the other hand, are very flexible and will often compare the quotes offered by different insurers to find the lowest priced policies for their clients.

Compare Irvine Car Insurance Quotes

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Find the best car insurance policy in Irvine by comparing quotes. Our quotes comparison system allows you to analyze the various policies offered by different insurance companies, levels of coverage, features included and benefits.

You will be able to find out which company has the lowest quotes. Use a reliable quotes comparison website for this.

The process is simple and takes only a few minutes. Just click the ‘compare quotes’ button to submit relevant information about yourself and your car.

The rates given in quotes comparison websites are lower than what insurers would give you directly. So when you use our system to compare quotes, you can be sure of getting the lowest Irvine car insurance rates.

Find California coverage for car insurance today by entering your ZIP below!

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