Cheap Auto Insurance Quotes in Irvine, CA (2023)

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.

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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• Cheap Car Insurance California

• Compare Car Insurance

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 .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in California

All motor vehicles operated or parked on California roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in California^[1] are:

• $15,000 per person for bodily injury

• $30,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. California is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $5,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the 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.

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.

See More:

• High-risk Car Insurance California

• DUI Car Insurance California

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.

See More: Bad Credit Car Insurance California

Find local Irvine agents

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.

For more detailed California city level guides, check out these below.

• Average Cost of Car Insurance Rates in California

• DUI Car Insurance Rates in California

• High-Risk Driver Car Insurance Rates in California

• California Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in California

• SR-22 Insurance in California

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