In Irvine, the average full coverage car insurance costs $141 per month. Rates can range from $137 to $337, depending on factors like age and driving history. To help drivers understand potential costs, the table below shows average insurance costs for various driver profiles.
Irvine, CA, Car Insurance
Updated: January 10, 2025
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Cheapest Car Insurance in Irvine: Key Takeaways
In this city, the most affordable car insurance options are offered by companies like GEICO, Progressive, State Farm, National General and Capital Insurance Group. They cater to various driver profiles, ensuring competitive rates for residents.
GEICO stands out as the cheapest provider for minimum coverage, charging $42 per month, while Progressive offers the best full coverage deal at $101 monthly. These rates make them top choices for budget-conscious drivers.
On average, drivers in the city pay $62 monthly for minimum coverage and $141 for full coverage. However, these costs can fluctuate based on the driver's age, history, and other personal factors.
Car Insurance Quotes in Irvine, CA
| Young Drivers | $72 | $170 |
| Teens | No Data | $337 |
| Seniors | $58 | $132 |
| Drivers With a Speeding Ticket | $82 | $193 |
| Drivers With a DUI | $139 | $322 |
| Drivers With An Accident | $95 | $220 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
Irvine vs. State Average
California
State Average Full Coverage Rate
$1,599
Irvine, CA
City Average Full Coverage Rate
$1,630More:$31 more
This is 2% more expensive.
What Is the Average Car Insurance Rate in Irvine?
In Irvine, the average yearly cost for full coverage car insurance is $1,630, while the state minimum coverage is $704. These rates are slightly higher than the California averages, which are $1,599 for full coverage and $661 for minimum coverage. Knowing these numbers helps you plan your budget better.
| State Average | $661 | $1,599 |
| Irvine Average | $704 | $1,630 |
Cheapest Car Insurance Companies in Irvine
Even though premiums are rising, you can still find affordable car insurance in Irvine. GEICO offers the cheapest state minimum coverage with a monthly rate of $42. For full coverage, Progressive provides the best rate at $101 per month.
WHY CAR INSURANCE IN IRVINE IS EXPENSIVE
Car insurance is expensive in Irvine due to factors like heavy traffic and car theft rates. Irvine ranks high among California cities for costly premiums. Statewide issues, such as many uninsured drivers and frequent personal injury lawsuits, also drive up prices.
Cheap Car Insurance in Irvine
GEICO often offers the cheapest minimum coverage, but rates vary by driver. To find the best deal, get quotes from several insurers. Below is a table showing the cheapest rates for different driver profiles.
| GEICO | Minimum Coverage | $42 |
| Progressive | Full Coverage | $101 |
| State Farm | Teens | $236 |
| Progressive | Young Adults | $86 |
| Progressive | Seniors | $72 |
| National General | Drivers With a DUI | $98 |
| Capital Insurance Group | Drivers With An Accident | $102 |
| National General | Drivers With a Speeding Ticket | $98 |
Car Insurance Rates in Irvine by Company
Finding the cheapest car insurance in Irvine means comparing rates. Below, we detail affordable options for minimum coverage and full coverage plans. Get the facts to drive with confidence and savings.
Cheapest Car Insurance Companies for Minimum Coverage in Irvine
GEICO offers the cheapest minimum coverage auto insurance at $42 per month. Progressive follows closely with a rate of $43 monthly. See the breakdown of the cheapest options in the table below.
| GEICO | $42 | $19 |
| Progressive | $43 | $18 |
| Mercury | $50 | $12 |
| Capital Insurance Group | $51 | $10 |
| Kemper | $54 | $8 |
| Hartford | $54 | $7 |
| AAA | $54 | $7 |
| State National | $56 | $6 |
| State Farm | $56 | $6 |
Cheapest Car Insurance Companies for Full Coverage in Irvine
Progressive offers the cheapest full coverage car insurance in Irvine at $101 monthly. Explore the complete list of providers and their rates in the table below.
| AAA | $119 | $22 |
| Capital Insurance Group | $123 | $18 |
| GEICO | $111 | $30 |
| Hartford | $121 | $20 |
| Kemper | $136 | $5 |
| Mercury | $118 | $23 |
| National General | $115 | $26 |
| Progressive | $101 | $40 |
| State Farm | $137 | $4 |
| State National | $127 | $14 |
Car Insurance Companies in Irvine
To find affordable car insurance, compare quotes from several companies in your area. Progressive offers the lowest rate at $863 annually. Capital Insurance Group is the top-rated affordable provider with a MoneyGeek score of 86. See the table below for more options to consider in your search.
| Chubb | 85 | $1,383 |
| Capital Insurance Group | 84 | $1,044 |
| Mercury | 77 | $1,008 |
| State Farm | 71 | $1,156 |
| Progressive | 70 | $864 |
| GEICO | 70 | $921 |
| AAA | 66 | $1,038 |
| Hartford | 63 | $1,049 |
| Travelers | 62 | $1,339 |
| Nationwide | 62 | $1,378 |
| Kemper | 57 | $1,137 |
| Farmers | 56 | $1,625 |
| Allstate | 55 | $1,359 |
| National General | 53 | $1,116 |
| State National | No Data | $1,097 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Irvine by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,630 per year for 40-year-olds and $1,583 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $3,898 | $-1,184 |
| 17 | $3,884 | $-1,169 |
| 18 | $3,659 | $-945 |
| 19 | $2,797 | $-83 |
| 20 | $2,871 | $-157 |
| 21 | $2,489 | $225 |
| 22 | $2,159 | $556 |
| 23 | $2,219 | $495 |
| 24 | $2,125 | $589 |
| 25 | $2,042 | $-329 |
| 40 | $1,630 | $83 |
| 65 | $1,583 | $130 |
Cheapest Car Insurance for Teens in Irvine
State Farm offers the cheapest overall car insurance for teens in Irvine, with full coverage at $235 per month, saving $62 compared to the average state cost. The table below also breaks down some of the most affordable providers in the city for this age group.
| State Farm | $235 | $62 | $236 |
| Allstate | $255 | $42 | $267 |
| GEICO | $264 | $33 | $304 |
| Capital Insurance Group | $268 | $28 | $262 |
| Farmers | $274 | $22 | $381 |
| Travelers | $292 | $5 | $258 |
| Progressive | $303 | $-7 | $326 |
| Kemper | $362 | $-66 | $459 |
| Nationwide | $416 | $-120 | $541 |
**Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.*
Best Car Insurance Rates for Young Drivers in Irvine
GEICO offers the cheapest minimum coverage at $50 per month, while Progressive provides the most affordable full coverage at $121. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| GEICO | Minimum Coverage | $50 |
| Progressive | Full Coverage | $121 |
| National General | Drivers With a DUI | $120 |
| Capital Insurance Group | Drivers With An Accident | $115 |
| Capital Insurance Group | Drivers With a Speeding Ticket | $112 |
Cheapest Car Insurance Companies for Young Drivers in Irvine
Progressive offers the most affordable auto insurance for young drivers at $86 per month. For more details on affordable auto insurance, visit MoneyGeek's page on cheap car insurance for young drivers. The table below shows other companies with competitive rates.
| Progressive | $86 | $41 |
| GEICO | $88 | $39 |
| Capital Insurance Group | $98 | $29 |
| Mercury | $107 | $20 |
| State National | $111 | $16 |
| AAA | $112 | $15 |
| State Farm | $112 | $15 |
| Hartford | $113 | $14 |
| National General | $114 | $13 |
| Allstate | $124 | $3 |
**Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.*
Best Car Insurance Rates for Seniors in Irvine
GEICO and Progressive offer the most affordable car insurance options in the area. Remember, your rate may vary based on factors like your driving record and coverage needs. Below is a table showing the cheapest providers for different driver and coverage profiles that might suit you better.
| GEICO | Minimum Coverage | $42 |
| Progressive | Full Coverage | $101 |
| National General | Drivers With a DUI | $100 |
| Capital Insurance Group | Drivers With An Accident | $96 |
| Capital Insurance Group | Drivers With a Speeding Ticket | $94 |
Cheapest Car Insurance Companies for Seniors in Irvine
Progressive offers the cheapest monthly premium for seniors for both minimum and full coverage at $72. GEICO follows closely with a rate of $74 per month. The table below shows top car insurance providers for seniors in Irvine.
| Progressive | $72 | $27 |
| GEICO | $74 | $25 |
| State Farm | $75 | $24 |
| Hartford | $76 | $23 |
| Capital Insurance Group | $82 | $17 |
| Mercury | $84 | $16 |
| State National | $86 | $13 |
| AAA | $88 | $11 |
| National General | $95 | $4 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Irvine
In Irvine, high-risk drivers generally pay less for car insurance compared to the state average. The average annual cost for minimum coverage is $1,318, while full coverage is $3,045. However, drivers with bad credit and DUIs often face the highest premiums. Accidents and speeding tickets tend to have a smaller impact on car insurance rates.
| State Average | $1,239 | $2,989 |
| Irvine Average | $1,318 | $3,045 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Insurers in Irvine typically consider minor driving incidents like a not-at-fault accident or speeding ticket for three to five years. For more severe offenses, such as a DUI, the consideration period can extend up to ten years, and you might need to file an SR-22 to prove you have minimum coverage.
Cheapest Auto Insurance Rates With a DUI in Irvine
National General provides the cheapest minimum coverage for drivers with a DUI at $899 annually in Irvine. Mercury offers the most affordable full coverage policy at $2,322 per year. Check out the table below for more low-cost options.
| National General | $75 | $121 |
| Mercury | $80 | $193 |
| Capital Insurance Group | $89 | $221 |
| Progressive | $94 | $237 |
| GEICO | $102 | $263 |
**Rates are for a 40-year-old driver with good credit and a DUI.*
Cheapest Auto Insurance Rates With an Accident in Irvine
Capital Insurance Group, GEICO, and Hartford offer the cheapest auto insurance after an at-fault accident in Irvine. These providers offer affordable rates for those with a driving mishap on record. The table below shows different providers offering cheap car insurance coverage for drivers with an at-fault accident violation.
| Capital Insurance Group | $59 | $145 |
| Hartford | $79 | $180 |
| State National | $79 | $181 |
| GEICO | $75 | $185 |
| Farmers | $85 | $289 |
**Rates are for a 40-year-old driver with good credit an at-fault accident.*
Cheapest Auto Insurance Rates With a Speeding Ticket in Irvine
Capital Insurance Group is the cheapest car insurance provider for drivers with a speeding ticket in Irvine, offering minimum coverage at $57 and full coverage at $141 monthly. Check the table below to see how other providers charge drivers with a speeding ticket on their record.
| Capital Insurance Group | $57 | $141 |
| AAA | $72 | $153 |
| Mercury | $64 | $155 |
| GEICO | $64 | $165 |
| Kemper | $72 | $180 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Minimum Car Insurance Requirements in Irvine, CA
In California, each city requires that the car insurance minimums are set by statewide mandates. Here's what your policy needs at a minimum:
- $15,000 for bodily injury liability per person.
- $30,000 for bodily injury liability per accident.
- $5,000 for property damage liability per accident.
For example, if you're in an accident, your policy covers up to $15,000 for injuries to one person and $30,000 for all injuries in the accident, with $5,000 for property damage.
Cheap Car Insurance in Irvine: Bottom Line
GEICO offers Irvine's cheapest minimum coverage at just $42, while Progressive leads with affordable full coverage at $101. No matter your age or credit, you'll find providers with competitive rates to suit your wallet. Remember, your policy must cover California's basics: bodily injury, property damage, and uninsured motorist protection. By shopping around, you secure the best price for the essential coverage California drivers need.
Irvine Auto Insurance: FAQ
This section offers quick answers to help you find affordable car insurance options. Learn about state minimum coverage and discover how to secure the best rates. Our goal is to make your insurance search simple and straightforward.
What is the cheapest car insurance company in Irvine, California?
GEICO offers the most affordable car insurance in Irvine, California, with a monthly rate of $42 for state minimum coverage.
What is the best car insurance company in Irvine, California?
State National stands out as the top car insurance provider in Irvine, California, although it's not scored out of 100.
How much does car insurance cost on average in Irvine?
The average monthly cost for minimum coverage auto insurance in Irvine ranges from $61 to $144.
Best Cheap Car Insurance in Irvine: Our Methodology
MoneyGeek conducted an analysis of Irvine auto insurance prices using data from the California Department of Insurance and Financial Services and Quadrant Information Services.
Irvine Driver Profile
To assess the best and most affordable auto insurance options for Irvine residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Irvine
In assessing the car insurance quotes for Irvine, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to California's mandated liability insurance parameters:
The minimum coverage requirements in California are:
- $15,000 for bodily injury liability per person.
- $30,000 for bodily injury liability per accident.
- $5,000 for property damage liability per accident.
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among California providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Irvine
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Irvine.
For more details on how these scores were calculated, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.