Irvine Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in California has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Irvine typically pay around $152.65 per month compared to the national average of $146.47 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Irvine, CA Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Direct General generally has the most affordable car insurance in Irvine coming in around $49.16 per month. Other companies to consider if you live in Irvine is Kemper Personal Insurance with an average cost of $81.00 per month and Kemper Auto Premier which typically runs around $92.95 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Irvine.

How Much is Car Insurance in Irvine, CA?

Rates can vary from city to city. The residents of Anaheim typically pay $147.58 per month while people who live in Bakersfield will pay $135.14 per month on average. See what people pay for car insurance in other cities in California.

Cheap Car Insurance in Irvine by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of California. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Irvine

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $271.71 per month in Irvine. Compare that to drivers in their 30’s who typically pay around $137.27 per month drivers in their 40s at $137.17 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Irvine

If you are teen in Irvine you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Mercury Insurance Company typically charges around $58.04 per month. This is likely the most affordable option in Irvine. You might also want to consider Direct Auto and National General who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Irvine

20 year-olds in Irvine might want to consider Direct Auto who, on average, offers car insurance rates around $69.56 per month. Kemper Auto Premier , Mercury Insurance Company , Esurance and SAFECO are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Irvine

If you are in your 30s in Irvine our research has found that Kemper Auto Premier typically has the most affordable coverage coming in around $92.60 per month, followed by Mercury Insurance Company at $102.21 and Esurance at $134.62.

Cheapest Insurance for 40 Year-olds in Irvine

On average, Direct General offers car insurance for 40 year-olds in Irvine for around $49.16 per month. If you are looking for affordable coverage, you may also want to consider Kemper Auto Premier or Mercury Insurance Company. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Irvine

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Irvine we found that Kemper Auto Premier generally offers the most affordable coverage at $76.31 per month.

Cheapest Insurance for 60 Year-olds in Irvine

If you live in Irvine and you’re in your 60s, our data indicates that Mercury Insurance Company usually has the best rates at $109.15 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Irvine, CA

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Irvine, the average monthly rate for a driver who is currently insured is $148.37 while drivers who are not currently covered will pay around $157.24.

Compare Recent Car Insurance Quotes in Irvine

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Irvine a driver of a 2017 Mercedes-Benz CLA can expect to pay around $168.73 per month while someone that owns a 2020 Jeep Wrangler Unlimited may pay around $89.20 per month. Check out the list of recent quotes in Irvine below.

FAQ's for Drivers in Irvine, CA

What Is the Minimum Liability Coverage Requirement in Irvine, CA?

Every state requires drivers to have a minimum amount of liability coverage. California drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

• $15,000; Bodily injury coverage per person; Max. payment for a single person that you injure in an auto accident.
• $30,000; Bodily injury coverage per accident; Max. payment for all injuries that you cause in an accident when more than one person is hurt.
• $5,000; Property damage per accident; Max. payment for damaged property in an accident caused by you.

You like to keep it simple, and so do we! Just don’t go too minimalist and skip the auto insurance altogether (see our FAQ for more information). In California, you are legally required to obtain something called liability insurance.* This is for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passenger in another vehicle. Liability coverage pays up to the amounts listed below. It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!

What Is the Blood Alcohol Concentration (BAC) limit in Irvine, CA?

It is illegal for an individual to operate a motor vehicle in California with the following BAC percentages:

• .08%+ @ 21 years old or older
• .04%+ for commercial vehicle drivers
• .01%+ @ < 21 years old

What are the chemical test refusal penalties in California?

According to California’s implied consent law, you are only required to take a breath or blood test upon being arrested. However, if you are not arrested and refuse the test, the officer may identify additional probable causes for driving under the influence and arrest you, thus forcing you into taking the test.

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