Table of contents
How much is car insurance in Irvine?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that the costs for coverage in Irvine are in line with rates across the rest of California.
If you're thinking of moving to Irvine from out of state, you may still be in luck. The average monthly payment in Irvine is about $24 less than the rate for the rest of the U.S.
Keep in mind that these are the average auto insurance rates for Irvine, and that the rate you get could end up being something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
But don't worry, we've broken down the average rate for Irvine residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay $21 more than someone who is retirement aged.
You can expect to see your monthly premium drop about once a decade or so. You may see your rates start to rise again once you hit retirement in Irvine.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Irvine, the difference is around $5 a month. Based on the chart above, you can see that male drivers pay $58 on average, while female drivers typically pay $53 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Irvine, having a single accident on your record will usually get you rates around $65 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $76.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$61|
As you can see in the first table above, the cheapest vehicles to insure in Irvine are typically trucks and vans, which run about $50 per month.
Car owners can expect to pay an average of around $58 a month for their policy, while SUVs usually cost around $51 a month to insure.
Your rates can also vary depending on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Irvine, for example, are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
Overall, those who are currently married will pay slightly less for insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Irvine reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $13 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$80|
Another factor taken into consideration is your housing situation. Drivers who own property in Irvine can expect to pay around $4 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Irvine, CA
Recent trends in car insurance for Irvine drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
Auto insurance rates in Irvine have been mixed as of late, they increased in 2016, declined in 2018, and rose again in 2020, before finishing at $54 in 2021.
How does Irvine compare to neighboring areas?
Why are car insurance rates in Irvine different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Total number of drivers
- Rate of car accidents
- Community regulations
- Off-street parking availability
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Irvine?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com will handle the heavy lifting for you. Simply enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering policies in Irvine.
Irvine Insurance FAQs
What factors affect car insurance quotes in Irvine?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Irvine different from other neighboring cities?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Irvine?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Irvine?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Irvine or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?