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Car insurance coverage in Irvine costs an average of $1,930 annually for full coverage. That's $483 more expensive than the national average of $1,447. If you are looking for the cheapest car insurance in Irvine, consider comparing quotes from multiple insurers. Rates can vary by hundreds of dollars, depending on your age, driving record, and the type of car you own.

Read this guide to find out which insurance companies in Irvine provide the best car insurance coverage for you. Also, know about the carriers that have the best ratings for customer satisfaction and what rate each provider offers for your specific situation.

Cheapest car insurance companies in Irvine

GEICO General is the cheapest car insurance company in Irvine with an average cost of $1,183 per year, based on insurance.com's rate analysis. While United Financial Casualty Co is second in terms of the cheapest car insurance companies in Irvine. The table below shows how major insurance carriers rank for price.

CompanyAverage Annual Rates
GEICO General Ins Co$1,183
United Financial Casualty Co$1,271
USAA Casualty Ins Co$1,279
Mercury Ins Co$1,476
Metropolitan Direct P&C Ins Co$1,732
Travelers Commercial Ins Co$1,946
California Capital Ins Co$1,968
Hartford Underwriters Ins Co$2,062
Nationwide Ins Co of Am$2,127
Alliance United Ins Co$2,144
Allstate Northbrook Ind Co$2,204
State Farm Mutl Automobile Ins$2,254
Farmers Ins Exchange$2,338
Interinsurance Exchange$2,374
CSAA Ins Exchange$2,587

Cheapest car insurance cost in Irvine by age group

Among the carriers surveyed by Insurance.com, Geico Gen Ins Co is the cheapest car insurance company for adult drivers. It offers insurance at about $1,326 a year or $111 a month.

Rates typically drop as you gain more experience on the road and adult drivers can save money by shopping around and availing themselves of the discounts for which they are eligible. Geico Gen Ins Co is also the cheapest auto insurance company for seniors with an average cost of $1,171 annually.

Car insurance rates go up for drivers after they enter their senior years, but they can trim their insurance costs by comparing quotes. Apart from shopping around, seniors can take advantage of the driver discounts available to lower their car insurance premiums.

Geico Gen Ins Co offers the cheapest car insurance for young adults in Irvine at about $2,619 a year. While State Farm Mut Auto Ins Co is the cheapest insurance provider for teen drivers for full coverage at an average of $4,214 a year.

The table below shows that young drivers pay higher car insurance rates than adult and senior drivers because of the lack of experience on the road. But young drivers can lower their insurance rates by shopping around, by taking advantage of the good student discount, or by staying on their parents' insurance policy for as long as they can.

Company NameAdultsSeniorsTeensYoung Adults
Geico Gen Ins Co$1,326$1,171$6,128$2,619
United Financial Cas Co$1,704$1,523$5,469$3,029
Allstate Northbrook Ind Co$1,986$1,627$6,734$3,312
Farmers Ins Exch$2,193$2,022$6,542$4,268
State Farm Mut Auto Ins Co$2,273$1,874$4,214$2,934
Amco Ins Co$2,414$2,263$8,035$4,107

Cheapest car insurance companies in Irvine by driver profile

Location and driving record are the two important factors that determine the cost of your car insurance. Your driving record can either raise or lower your car insurance premium depending on whether you have a good or bad driving history.

However, you can still find affordable coverage in Irvine no matter what your driving history looks like. Make sure you compare the rates of different insurance companies to get the best deal possible.

  • Cheapest for a driver with a speeding ticket: USAA
  • Cheapest for accident: USAA
  • Cheapest for DUI: Mercury

Cheapest auto insurance for drivers with a speeding ticket: USAA

USAA is the cheapest auto insurance company for a driver with a speeding ticket in Irvine. Its average annual premium is $1,931 annually or $161 per month.

If you get a speeding ticket, it can lead to higher insurance rates for 3-5 years. Make sure you compare price quotes from multiple insurers before you decide on the company.

CompanyAvgerage Annual Rates
USAA$1,931
Geico$2,432
Mercury$2,659
California Capital Ins Co$2,987
Travelers$3,210
Metropolitan$3,287
State Farm$3,690
United$3,748
Allstate$3,854
Farmers Ins$4,068
Interinsurance Exchange$4,163
Nationwide$4,225
Hartford Underwriters Ins Co$4,368
CSAA$4,370
Alliance United Ins Co$4,589

Cheapest auto insurance after an at-fault accident: USAA

USAA offers the cheapest car insurance rates for a driver with an accident record in Irvine at about $2,919 per year. Apart from USAA, Mercury, Geico, and Travelers are other cheap insurance companies on our list.

CompanyAvgerage Annual Rates
USAA$2,919
Mercury$3,038
Geico$3,975
Travelers$3,995
United$4,062
Metropolitan$4,199
State Farm$4,770
Interinsurance Exchange$4,915
Nationwide$5,071
Farmers Ins$5,085
California Capital Ins Co$5,370
Hartford Underwriters Ins Co$5,930
CSAA$6,871
Allstate$7,171
Alliance United Ins Co$7,539

Cheapest auto insurance after a DUI: Mercury

Mercury is the cheapest insurance company for a driver after a DUI or DWI offense in Allakaket at about a $3,326 year.

If you're convicted of a DUI, your insurance rates will go up and it could be years before they come down again. So, it's important to shop around and find the best deal for you.

CompanyAvgerage Annual Rates
Mercury$3,326
Geico$3,915
Travelers$4,508
California Capital Ins Co$4,653
United$4,721
USAA$4,797
Farmers Ins$5,085
Alliance United Ins Co$7,539
Nationwide$7,760
State Farm$8,510
Interinsurance Exchange$9,079
Allstate$10,464
Hartford Underwriters Ins Co$10,943
CSAA$11,760
Metropolitan$17,613

Average car insurance cost in Irvine

The average car insurance rate in Irvine is $1,930 a year for a full coverage policy of 100/300/100 for a driver age 30, $483 more than the national average of $1,447.

The average annual premium in Irvine for minimum coverage is $562 a year or $47 a month, based on Insurance.com's rate analysis.

Average Annual RatesState Minimum Average
$1,930$562