Cheapest car insurance companies in Irvine 

Geico and Mercury Insurance have the cheapest car insurance premiums for Irvine drivers in 2023, based on a data study by Insurance.com. 

Geico has the cheapest car insurance rates in Irvine at an average cost of $1,825 per year.

Car insurance costs may vary in Irvine based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Irvine.

CompaniesAverage annual rates
Geico$1,825
USAA$1,827
Mercury Insurance$1,985
Progressive$2,206
Travelers$2,329
Auto Club Enterprises (AAA)$2,573
Allstate$2,687
Kemper Insurance$2,706
State Farm$2,708
CSAA Insurance (AAA)$2,845
Nationwide$3,038
Farmers$3,327

Cheapest car insurance cost in Irvine by Age Group 

USAA is the cheapest option for car insurance in Irvine for teen drivers, with average annual premiums at just $4,019 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.

Teens can maintain lower car insurance premiums by leveraging the good student discount or by remaining on their parent’s existing policy as long as feasible.

When compared to other car insurance companies, Geico turned out to be the cheapest car insurance company for young drivers in Irvine, offering full coverage at an annual average cost of $2,418.

An analysis of car insurance rates for Irvine drivers reveal a significant decrease in premiums for individuals in their 30s compared to those in their 20s. Geico offers the cheapest full-coverage car insurance rates at $1,844 per year.

If you are a senior driver in Irvine and looking for a cheap car insurance company, then consider buying insurance from USAA. It is the cheapest auto insurance company for senior drivers, with an average premium of $1,848 per year

CompanyTeensYoung AdultsAdultsSeniors
USAA$4,019$2,475$1,875$1,848
Geico$4,651$2,418$1,844$1,849
State Farm$4,956$3,518$2,707$2,235
Mercury Insurance$5,061$3,346$2,039$2,059
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
Progressive$6,722$3,712$2,210$2,466
Farmers$7,248$4,765$3,377$3,265
Kemper Insurance$8,251$4,796$3,050$3,584
CSAA Insurance (AAA)$9,408$4,408$2,842$2,877
Nationwide$10,761$5,295$3,089$2,944

Cheapest car insurance companies in Irvine by driver profile 

Driver profile is one of the many factors that insurers take into account to determine car insurance premiums in Irvine. Drivers with a history of accidents or traffic citations on their record can expect significantly higher costs than those with a clean driving record.

When it comes to finding the cheapest car insurance rates in Irvine, make sure you compare insurance quotes from various insurers. By comparing rates from multiple providers, you can get the coverage you need while saving money.

Here's a list of car insurance companies that offer cheap insurance rates in Irvine based on driver profile. 

USAA has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Irvine. Its full coverage car insurance policy costs an average of $1,914 per year for drivers aged 30. 

Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.

CompanyAverage annual premium
USAA$1,914
Geico$2,541
Progressive$2,910
Travelers$3,008
Farmers$3,805
Nationwide$3,812
State Farm$3,957
Allstate$4,160

According to Insurance.com's analysis, USAA tops the list of cheap car insurance providers in Irvine for drivers involved in at-fault accidents, with an average annual cost of $2,442. After being in an at-fault accident, finding cheap car insurance rates might seem challenging, but by comparing quotes, you can find a policy that aligns with your budget. 

CompanyAverage annual rates
USAA$2,442
Progressive$3,333
Travelers$3,385
Geico$3,487
Nationwide$4,064
Farmers$4,245
State Farm$4,456
Allstate$6,449

In Irvine, Progressive has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $3,983 a year

A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.

CompanyAverage annual rates
Progressive$3,983
Geico$4,382
USAA$4,872
Farmers$4,944
Travelers$5,713
Nationwide$7,309
Allstate$11,191
State Farm$12,458

Average car insurance cost in Irvine 

On average, Irvine drivers pay $2,502 annually, or $209 monthly, for full coverage car insurance policies with a coverage level of 100/300/100. Conversely, the average annual cost of state minimum coverage in Irvine is $605.

Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as

Average annual RatesState minimum average
$2,502$605

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.