Buy Cheap Irvine, CA Auto Insurance (2021)

Irvine, CA auto insurance rates average $299 a month. Minimum auto insurance requirements in Irvine, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Irvine, CA, compare Irvine auto insurance quotes from top companies.

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    Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the ...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Irvine after a DUI is Allstate
  • Average auto insurance rates in Irvine, CA for teens drivers are $6,085/year
  • Average auto insurance rates in Irvine, CA are $299/month

Finding affordable Irvine, California auto insurance can be challenging, but everything you need to know to buy cheap Irvine, CA auto insurance with confidence is right here. Auto insurance rates in Irvine are affected by local factors as well as personal ones like your driving record.

See how Irvine, CA car insurance rates compare to San Jose auto insurance rates, Sacramento auto insurance rates, and Oakland auto insurance rates before you read more about the cost of auto insurance in Irvine.

Don’t buy Irvine, CA auto insurance until you’ve compared rates. Get free Irvine, California auto insurance quotes when you enter your ZIP code above.

Irvine, CA Minimum Auto Insurance Requirements

The required auto insurance in Irvine, CA is 15/30/5 according to the auto insurance laws in California. The minimum auto insurance in Irvine, California is outlined here.

Minimum Required Auto 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

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Buy Cheap Irvine, CA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Irvine, California auto insurance rates? Find out how car insurance rates in Irvine, CA are impacted by demographics.

Annual Auto 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

Buy Cheap Irvine, CA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Irvine can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Irvine, CA are listed here.

Annual Auto 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

Buy Cheap Irvine, CA Auto Insurance for Seniors

You can save on senior auto insurance rates in Irvine, California by comparing Irvine senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Irvine, CA here.

Annual Auto 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

Find Cheap Auto Insurance Rates in Irvine, CA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Irvine, California auto insurance. Compare Irvine, CA auto insurance rates by coverage level.

Annual Auto 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

Find Cheap Irvine, CA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Irvine. Compare auto insurance rates in Irvine, CA by commute length to see how your daily commute impacts your rates.

Annual Auto 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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Find Cheap Irvine, CA Auto Insurance Rates by ZIP Code

Auto insurance rates in Irvine, California can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Irvine, CA to see how much where you live in Irvine affects the cost of car insurance.

Annual Auto 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

Find Cheap Irvine, CA Auto Insurance Rates by Driving Record

Auto insurance rates in Irvine, California are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Irvine, CA, take a look at the average cost for various violations versus rates for a clean driving record in Irvine.

Annual Irvine, California Auto 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

Find Cheap Irvine, CA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Irvine, California is higher than for a clean driving record. You can buy auto insurance after a DUI in Irvine for less when you shop around and compare rates from multiple Irvine, CA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Irvine, California

Insurance Company Annual Auto 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

Winners by Category: Where to Buy Cheap Auto Insurance in Irvine, CA

Compare rates from the cheapest auto insurance companies in Irvine, CA for your needs. Take a look at how Irvine, California auto insurance companies stack up for each category.

Best Annual Auto 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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Find Cheap Irvine, California Auto Insurance Companies

If you’re looking for the cheapest Irvine, CA auto insurance companies overall, you can compare them here. Find the best price for Irvine, California car insurance by company.

Average Annual Auto 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

What affects Irvine, California auto insurance rates?

Local factors affect auto insurance rates in Irvine, CA, including traffic, theft statistics, and commute length. Take a look at the things that impact Irvine auto insurance rates.

Auto Theft in Irvine

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Irvine, CA auto theft show a total of 198 vehicle thefts annually.

Commute Times in Irvine

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Irvine, CA is 25.5 minutes according to City-Data.

Traffic in Irvine

How is traffic in Irvine, California? Inrix data shows that Irvine, CA traffic makes it the 1009th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Irvine, CA

You can buy cheap Irvine, CA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Irvine, California auto insurance quotes from top companies.

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