Auto Insurance in Irvine, CA

Introducing a swift and effortless experience in your search for auto insurance in Irvine!

Auto Insurance in Irvine and What You Need to Know

To locate affordable auto insurance in Irvine and make an informed choice, it is crucial to peruse estimates from several enterprises. The costs of auto insurance in the city differ according to numerous factors including age, driving style, and location history. To minimize the legwork on auto insurance purchase and provide a seamless shopping experience for you, we have accumulated auto insurance rates across the city. Uncover our list of fundamental factors that affect car insurance prices in Irvine and unearth our findings on the cheapest alternatives for distinct types of drivers to suit your needs best.

Percentage increase in Irvine car insurance costs compared to national average

2641 %

Percentage decrease in Irvine car costs compared to average in California

131 %

Percentage decrease in Irvine car insurance costs compared to most expensive in California

2192 %

Full Coverage Car Insurance

Protect yourself and your loved ones. Discover the comfort and assurance of driving with full coverage in Irvine with the knowledge that all your valuables are sheltered!

Liability Car Insurance

With a minimum liability auto insurance coverage plan, meet the insurance requirements for driving in Irvine; prevention is always better than cure.

High Risk Car Insurance

Locating the best high-risk car insurance in Irvine can be daunting; allow us to make the process easier. We help you weave through the crowd so you can procure the best high-risk auto insurances in Irvine.

Home and Auto Insurance

Merge all your forthcoming home & auto insurance coverages in Irvine into one place –manage fewer companies and reduce your expenditure. Discover which home & auto insurance bundle is right for you!

Your Driving Record Matters When Getting Auto Insurance in Irvine

All of us have heard the story before or been a part of it: you receive quotes for car insurances in Irvine and look for the very best deal on an insurance plan. Then, you obtain a fantastic car insurance quote that is reasonably priced and satisfies all your coverage preferences. Yet, when the insurance carrier returns with the total cost of the insurance premium, it is found to be much greater than the original estimate. What happened? This could be due to insurance points; the number of points that are added to a driver's record for a crime varies by location. If the driving record collected from the state's department of motor vehicles reveals tickets or accidents that you failed to report to the insurer originally, the car insurance rates in Irvine might be considerably higher than the formerly cited prices.

best home and auto insurance Irvine CA

Your Type of Car Plays a Role on Car Insurance Costs in Irvine

For certain types of vehicles, there is an assortment of factors that decide the price of auto insurance in Irvine. For instance, the more horsepower your vehicle has, the likelier you are to speed and consequently, to face the danger of a crash. Since cars with more power are involved in more accidents, they are costlier to cover. Additionally, the size of your vehicle becomes a vital determinant as well. Due to its capability to inflict more severe harm on other vehicles, a massive SUV, for example, could push the price of your auto insurance in the city up. Therefore, if you seek the most inexpensive car insurance, it could be more pragmatic to consider cars in the midsize group such as sedans, midsize SUVs, or minivans. Similarly, the cost to cover a vehicle is particularly reliant on its worth. For many auto insurance companies in Irvine, establishing the purchase price of auto insurances firmly relates to the price of the automobile. Thus, it is ideal to review low-priced vehicles if you are keen to earn extra insurance savings.

Vehicle TypeAnnual Average Cost of Car Insurance

best home and auto insurance Irvine CA

Cost of Car Insurance in Irvine by Gender and Marital Status

In several states, gender is no longer a predominant variable when calculating auto insurance rates. However, your marital status may influence them in Irvine. Generally, married couples are more likely to receive a reduced auto insurance rate than single individuals. This is because unmarried individuals possess a higher likelihood of being involved in driving accidents than married men and women. Besides young singles, elderly widows and divorced folks also witness higher auto insurance prices in Irvine. Moreover, you may be given a discounted insurance rate for having a domestic partner, but that practice is not widespread. In other words, married couples are not very inclined to be a part of automobile accidents. There is a variety of theories based on this view: some sources state that married motorists often drive less frequently than their single counterparts. Others hypothesize that married drivers have more stable and less risky lifestyles compared to singles. Hence, if you are married, you could qualify for discounted car insurance rates in Irvine.

Where You Live in Irvine Affects Car Insurance Costs

Annual savings for car insurance in smaller towns near Irvine

12 %

Annual savings for car insurance in medium sized cities near Irvine

9 %

The five-digit postal code that communicates your residence can cost or save you thousands of dollars on car insurance in Irvine annually. Differences in automobile insurance policy prices according to zipcodes have little to do with the manufacturers and models of automobiles and more with offences committed in the particular vicinity. Cities with high levels of injuries and theft claims largely note higher insurance premiums because firms lump specific zipcodes into risk classes collectively. City drivers nearly always pay more than the citizens who reside in the nation. To put it differently, more cars mean more mishaps. Another factor that companies consider while pricing your auto insurance in Irvine is the status of the streets within your zipcode; areas with underdeveloped roads may observe higher auto insurance prices.

Average Costs of Auto Insurance in Irvine by Types of Coverage

Type of Auto Insurance CoverageAverage Annual Rate
Without Comprehensive or Collision1,407.24
Auto Insurance with Comprehensive Only1,660.54
Auto Insurance with Comprehensive and Collision2,448.58

Your Credit Affects Your Car Insurance Costs

Apart from your driving history and the kind of automobile you drive, your credit rating can also affect the auto insurance price in Irvine. Many businesses examine credit-based insurance coverages when determining car insurance rates. Studies indicate that using this particular score helps insurance companies predict when someone is more likely to get into an accident – 92 percent car insurance companies in Irvine now assess credit scores when calculating car insurance prices. A credit-based auto insurance coverage makes it possible for insurers to estimate the fairest, most suitable rate for each client. So, in the long run, your credit rating can impact the car insurance price in Irvine. Conversely, even though your credit history plays a significant role in the auto insurance pricing, it is still most important to concentrate on the items you can control, like paying your bills on time and keeping an eye on how you are applying for the credit.

Average car insurance rate changes in Irvine based off credit scores.

61 %

Max car insurance rate changes in Irvine based off credit scores

133 %

92 percent of the car insurance companies in Irvine now think about your credit rating when calculating how much you will pay for auto insurance.

Irvine Car Insurance Rates by Age

The auto insurance rates in Irvine vary considerably by age category. This is simply because certain age groups are a bigger liability to cover than others due to a higher likelihood of injuries and costly claims. The youngest drivers have a tendency to engage in the maximum number of traffic incidents. They exhibit more reckless behaviour than older drivers and are, as an outcome, typically the costliest to insure. Auto insurance prices in Irvine decline for adults once they start to reach middle age since they become more experienced and get into fewer injuries in comparison to teenagers. This tendency continues until motorists reach their seventies, when auto insurance prices begin to grow again. On the contrary, although age is among the most significant variables that play into the cost of car insurance in Irvine, the effect of age on auto insurance rates could vary dramatically from state to state. In general, though, we will see the youngest drivers paying the largest sum for an Irvine auto insurance policy.

best home and auto insurance Irvine CA

Getting the Best Auto Insurance Rates in Irvine

Often, buying auto insurance in Irvine may seem to be an unnecessary cost and experience. However, it is a vital step to ensure protection from financial losses associated with traffic collisions, automobile thefts, natural disasters, and other irrepressible incidents. While none of us needs to invest in auto insurances in Irvine excessively, the procedure to secure discounted auto insurance prices is not always clear. The only way to guarantee that you are receiving the cheapest rates possible would be to explore all your options. Insurers supply a range of discounts in the form of lower insurance prices for clients who meet specific requirements or ones who are looking to combine their automobile insurances with their home insurances, among other things. Take the opportunity to examine the prices across different vendors and compare them before choosing the auto insurance in Irvine that is ideal for you. And if you need help with that process, we are always here to help you.