Cheapest car insurance companies in Irvine
Geico and Mercury Insurance offer the cheapest car insurance rates in Irvine for 2023, according to a study by Insurance.com.
The car insurance company in Irvine that provides the cheapest car insurance premiums is Geico, with an average annual rate of $1,825 .
When it comes to car insurance costs in Irvine, several factors come into play. Your location, driving record, coverage level, and the insurance company you choose can all affect the price you’ll pay. Make sure you shop around and compare policies apples to apples to get a good deal on your insurance policy.
| Companies | Average 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.
Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.
Geico provides the cheapest car insurance coverage for young drivers in Irvine, with an annual premium of $2,418 on average.
Drivers in Irvine stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. Geico has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $1,844 a year.
USAA tops the list in terms of affordability for senior drivers in Irvine. With an average annual premium of $1,848, USAA offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| 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
Your driving profile plays an important role in determining your car insurance rates in Irvine. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.
To find the cheapest car insurance company in Irvine, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.
Here are some of the cheapest car insurance companies in Irvine based on driver profile.
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: USAA
- Cheapest for DUI: Progressive
Cheapest for drivers with a speeding ticket: USAA
USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Irvine. It offers full coverage car insurance for drivers aged 30 at about $1,914 per year.
Find the best car insurance company for your needs by comparing quotes from different carriers. Don't assume that the cheapest option for someone else will also be the cheapest for you. Take the time to shop around and get the coverage that best suits your needs.
| Company | Average 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 |
Cheapest auto insurance after an at-fault accident: USAA
Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.
Drivers in Irvine with at-fault accidents on their driving records can find the cheapest car insurance rates with USAA. Its full coverage policy costs an average of $2,442 annually.
| Company | Average 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 |
Cheapest auto insurance after a DUI: Progressive
Progressive is the carrier that offers cheap auto insurance rates in Irvine for drivers after a DUI. Its average annual rate for full coverage is $3,983.
Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.
| Company | Average 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
Full coverage car insurance in Irvine for a coverage limit of 100/300/100 is $2,502 per year or $209 per month, while the state minimum coverage costs an average of $605 a year.
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 premium by comparing quotes from different carriers. It allows you to find the best coverage at a competitive price.
| Average annual Rates | State 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.
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