Average car insurance cost in Irvine

The average car insurance rate in Irvine for full coverage is $2,502 per year or $209 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Irvine is $605 per year. The state minimum liability limits are 15/30/5.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$1,251
Average annual premium$2,502
State minimum premium$605

Cheapest car insurance companies in Irvine

GEICO offers the cheapest rates on average at $1,825 per year. Mercury Insurance is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Irvine.

CompanyAverage 6 month rateAverage annual rate
GEICO$913$1,825
Mercury Insurance$993$1,985
Progressive$1,103$2,206
Travelers$1,164$2,329
Auto Club Enterprises (AAA)$1,286$2,573
Allstate$1,343$2,687
Kemper$1,353$2,706
State Farm$1,354$2,708
CSAA Insurance (AAA)$1,423$2,845
Nationwide$1,519$3,038
Farmers$1,663$3,327
USAA$914$1,827

Cheapest car insurance cost in Irvine by age group

Car insurance rates in Irvine vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Irvine by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: GEICO
  • Cheapest for young adults: GEICO
  • Cheapest for adults: GEICO
  • Cheapest for seniors: GEICO

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. GEICO offers the cheapest car insurance for teens at $4,651 per year.

GEICO offers the most affordable auto insurance for young adults at $2,418 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. GEICO provides the lowest car insurance rates at $1,844 per year for adult drivers in Irvine.

GEICO offers the least expensive car insurance for senior drivers in Irvine, at $1,849 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
GEICO$4,651$2,418$1,844$1,849
Mercury Insurance$5,061$3,346$2,039$2,059
Progressive$6,722$3,712$2,210$2,466
Travelers$5,255$3,275$2,354$2,376
Allstate$5,931$3,489$2,643$2,449
Auto Club Enterprises (AAA)$6,633$4,001$2,661$2,544
State Farm$4,956$3,518$2,707$2,235
CSAA Insurance (AAA)$9,408$4,408$2,842$2,877
Kemper$8,251$4,796$3,050$3,584
Nationwide$10,761$5,295$3,089$2,944
Farmers$7,248$4,765$3,377$3,265
USAA$4,019$2,475$1,875$1,848

Cheapest car insurance companies in Irvine by driver profile

Car insurance rates in Irvine vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Irvine by driver profile.

Cheapest auto insurance after an at-fault accident: Mercury Insurance

In Irvine, Mercury Insurance offers the cheapest car insurance for drivers with at-fault accident at $3,495 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Irvine.

CompanyAverage 6 month premiumAverage annual premium
Mercury Insurance$1,748$3,495
Progressive$1,837$3,673
GEICO$1,862$3,723
Travelers$2,020$4,039
Auto Club Enterprises (AAA)$2,114$4,228
CSAA Insurance (AAA)$2,168$4,335
State Farm$2,298$4,595
Farmers$2,676$5,352
Nationwide$2,873$5,745
Allstate$3,190$6,380
USAA$1,509$3,017

Cheapest auto insurance after a DUI: Mercury Insurance

Mercury Insurance offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $3,525 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Irvine.

CompanyAverage 6 month premiumAverage annual premium
Mercury Insurance$1,763$3,525
GEICO$2,294$4,587
Travelers$2,464$4,928
Progressive$2,696$5,391
Auto Club Enterprises (AAA)$4,062$8,123
Nationwide$4,343$8,685
State Farm$4,771$9,542
CSAA Insurance (AAA)$5,137$10,273
Allstate$5,320$10,639
Farmers$6,416$12,831
USAA$2,847$5,694

Cheapest for drivers with a speeding ticket: Mercury Insurance

Mercury Insurance offers the cheapest car insurance at $2,818 in Irvine for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
Mercury Insurance$1,409$2,818
GEICO$1,424$2,847
Progressive$1,712$3,424
Travelers$1,749$3,497
CSAA Insurance (AAA)$1,806$3,611
Auto Club Enterprises (AAA)$1,856$3,711
Allstate$1,936$3,872
State Farm$2,055$4,110
Farmers$2,316$4,631
Nationwide$2,839$5,677
USAA$1,115$2,230

Car insurance discounts for Irvine drivers

The biggest car insurance discount available in Irvine is for the years licensed category at 56%, offered by CSAA Insurance (AAA).

Car insurance is essential for drivers in Irvine, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Irvine drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsFarmers$3,6010.19%$7
Air BagsGEICO$1,8130.07%$1
Air BagsNationwide$2,8950.60%$17
Anti-Theft DeviceAllstate$2,7250.22%$6
Anti-Theft DeviceFarmers$3,6010.05%$2
Anti-Theft DeviceGEICO$1,8130.50%$9
Anti-Theft DeviceMercury Insurance$1,9460.30%$6
Anti-Theft DeviceProgressive$1,7870.10%$2
Anti-Theft DeviceTravelers$2,4200.98%$25
Lower Annual MileageAllstate$2,72514.21%$387
Lower Annual MileageAuto Club Enterprises (AAA)$2,7757.87%$218
Lower Annual MileageCSAA Insurance (AAA)$2,9739.66%$287
Lower Annual MileageFarmers$3,60115.23%$548
Lower Annual MileageGEICO$1,81316.13%$292
Lower Annual MileageKemper Insurance$2,63112.93%$328
Lower Annual MileageMercury Insurance$1,9468.83%$172
Lower Annual MileageNationwide$2,89512.61%$366
Lower Annual MileageProgressive$1,78714.82%$265
Lower Annual MileageState Farm$2,5367.19%$182
Lower Annual MileageTravelers$2,42011.68%$286
Lower Annual MileageWawanesa Insurance$1,6077.20%$116
Loyalty - Years Renewal With CompanyAuto Club Enterprises (AAA)$2,7755.83%$162
Loyalty - Years Renewal With CompanyCSAA Insurance (AAA)$2,9736.95%$207
Loyalty - Years Renewal With CompanyKemper Insurance$2,63113.15%$353
Loyalty - Years Renewal With CompanyState Farm$2,53619.42%$493
Marital StatusAllstate$2,7258.32%$227
Marital StatusAuto Club Enterprises (AAA)$2,7754.79%$133
Marital StatusFarmers$3,6012.18%$78
Marital StatusGEICO$1,81314.06%$255
Marital StatusKemper Insurance$2,41414.56%$352
Marital StatusMercury Insurance$1,94610.88%$212
Marital StatusNationwide$2,8952.48%$71
Marital StatusProgressive$1,78715.55%$278
Marital StatusTravelers$2,4204.37%$107
Marital StatusWawanesa Insurance$1,60715.70%$252
Multi PolicyAllstate$2,7253.41%$93
Multi PolicyAuto Club Enterprises (AAA)$2,7758.69%$241
Multi PolicyCSAA Insurance (AAA)$2,9735.93%$176
Multi PolicyFarmers$3,60110.41%$375
Multi PolicyGEICO$1,81310.06%$182
Multi PolicyMercury Insurance$1,9467.96%$155
Multi PolicyNationwide$2,89516.00%$464
Multi PolicyProgressive$1,78712.11%$216
Multi PolicyState Farm$2,53613.75%$349
Multi PolicyTravelers$2,4206.61%$160
Primary UseAllstate$2,7252.03%$55
Primary UseCSAA Insurance (AAA)$2,97318.77%$558
Primary UseNationwide$2,8958.65%$251
Primary UseState Farm$2,53612.35%$313
Primary UseTravelers$2,4209.69%$237
Primary UseWawanesa Insurance$1,6077.22%$116
Safety DevicesFarmers$3,6014.32%$156
Safety DevicesMercury Insurance$1,9461.42%$28
TelematicsNationwide$2,8954.76%$138
Years InsuredGEICO$2,0169.35%$188
Years LicensedAllstate$6,89643.02%$2,967
Years LicensedAuto Club Enterprises (AAA)$8,48939.53%$3,355
Years LicensedCSAA Insurance (AAA)$13,07456.00%$7,322
Years LicensedFarmers$8,64032.99%$2,851
Years LicensedGEICO$5,33837.90%$2,023
Years LicensedKemper Insurance$10,76047.30%$5,091
Years LicensedMercury Insurance$5,74640.74%$2,341
Years LicensedNationwide$13,24653.45%$7,081
Years LicensedProgressive$5,87942.57%$2,503
Years LicensedState Farm$5,48635.13%$1,927
Years LicensedTravelers$5,47533.93%$1,864
Years LicensedWawanesa Insurance$3,26432.45%$1,060

How to get cheap car insurance in Irvine in 2025

Find affordable car insurance in Irvine by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Irvine.

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.