Best Auto Insurance Rates in Irvine, California

On average your neighbors pay $70 a month.

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Compare Auto Insurance in Irvine

Wednesday, June 6 2018 By Larry Canonica

Irvine, California has consistently ranks as one of the best places to live in America. Home to four of the best public high schools in the nation and a large number of corporate headquarters, Irvine certainly lives up to its reputation. What’s more, Irvine is divided into 46 distinct villages, all of which pride themselves on being aesthetically pleasing. Irvine is such a lovely place to live and raise children that residents should compare car insurance rates before buying a policy.

Average Irvine Car Insurance Rates

How much is car insurance in Irvine, CA? Despite having a very low vehicle theft rate and low crime rates in general, Irvine drivers get into more accidents and file more claims than most Americans. This means average insurance rates in Irvine are higher than both the state and national averages. The average cost of auto insurance in California is $841.45 a year. The national average cost is $889.01.

Prices may vary depending on your driving history and the total number of claims filed in your zip code.

California Average Annual Car Insurance Rates
Coverage Rates
Liability $489.66
Collision $396.55
Comprehensive $100.54
Total Cost Per Year $841.45
Price Per Month $70.12

The graph below shows the most recent year California's rate data is available. According to the III, California car insurance rates increased from $740 in 2011 to $841 in 2015, a jump of $101, or 13.66 percent.

California average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Irvine, California and save up to 40% on your premium.

Last year, 2,784 people used QuoteWizard to compare car insurance quotes in Irvine, CA from multiple companies to find the lowest rates.

Best Car Insurance Companies in Irvine, CA

This is our list of the most common car insurance companies reported by QuoteWizard users in Irvine, CA last year.

  1. GEICO
  2. AAA
  3. Farmers
  4. State Farm
  5. Mercury
  6. Progressive
  7. AIG
  8. Esurance
  9. Liberty Mutual
  10. 21st Century
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Other popular Irvine car insurance companies: Nationwide, USAA, Safeco, Country Financial, Infinity, MetLife, American Family, Hartford, and Allied.

Top 10 Vehicles in Irvine

These are the most common car makes and models owned by Irvine drivers requesting quotes through QuoteWizard last year.

  1. Toyota Prius
  2. Honda Accord EX/LX
  3. BMW 328i
  4. Toyota Camry LE/XLE/SE
  5. Honda Civic EX/LX
  6. Nissan Altima 2.5 S
  7. Toyota Corolla CE/LE/S
  8. Mercedes-Benz E350
  9. Ford Mustang
  10. Honda CR-V EX
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Irvine, CA

Irvine, California drivers must follow the 15/30/5 minimum liability coverage rule. This rule requires drivers to maintain policies that include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The total your insurance company will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The most your insurer will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The maximum your carrier will pay for property damage caused by a car accident.

Irvine Drivers

A recent report by Allstate Insurance on safe driving ranked Irvine, CA 161st out of 200 US cities. Most US drivers go 10 years without having an accident. Drivers here are involved in crashes every 7.3 years.

Irvine drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Driving conditions are factors that can affect insurance rates.

Weather

Irvine residents enjoy a Mediterranean climate with warm winters and hot summers. Irvine only receives 13.87 inches of rain annually and nearly all of it occurs during the winter.

Road Conditions

TRIP reports that 60% of the major roads in the Irvine area are in poor condition. These poorly maintained, pothole-filled streets costs Irvine drivers $892 a year in extra vehicle operating costs.

Moving Violations

Moving violations like following too close, failure to stop, speeding, and drunk driving will give you a bad driving record and raise your rates.

Traffic Tickets

The Superior Court of California County of Orange traffic division website allows residents to pay traffic tickets online. It also tells drivers how to contest tickets and provides helpful traffic court information.

Traffic Fatalities

Irvine experienced 11 deaths in motor vehicle crashes in 2014.

SR-22 DUI Insurance

A DUI may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Irvine DUI insurance.

Vehicle Theft Rates

Irvine Police recorded 220 vehicle thefts last year. That's a rate of 0.86 per 1,000 residents. This is a very safe city in terms of car theft compared to the national average of 2.20 car thefts per 1,000.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Depending on your insurer, these are some of the many auto insurance discounts available to Irvine drivers. Find out which discounts you may qualify for with your current or multiple insurance companies for by getting a free quote.

  1. Keep your driving record clean. Too many tickets and especially at-fault accidents will increase your rates significantly
  2. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  3. Remove comprehensive coverage from your policy
  4. Drive less. Live close to work and get the low mileage discount
  5. Install anti-theft devices or a car alarm system
  6. Live in a safe zip code with lower crime rates. People that live in zip code where lots of insurance claims are filed pay higher rates
  7. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  8. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies with a single insurer can save you as much as 15%
  9. Take a defensive driving course from an accredited driving school
  10. Shop around and compare low-cost Irvine auto insurance quotes to discover all the discounts you qualify for

Sources:

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