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.
| Company | Average 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 Name | Adults | Seniors | Teens | Young 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.
| Company | Avgerage 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.
| Company | Avgerage 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.
| Company | Avgerage 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 Rates | State Minimum Average |
|---|---|
| $1,930 | $562 |