Irvine, California, is a car-centric city with 70% of residents getting around by auto. The average cost of car insurance in Irvine is $762 annually for minimum coverage and $2,016 for full coverage insurance, just slightly less than the state annual average of $2,065 for full coverage. This is a large sum for many people.
Bankrate compared the rates and coverage of several insurance companies in Irvine to determine which ones are the best.
Irvine’s best car insurance companies
Car insurance is something that every driver needs. Your lender will require you to have full coverage car insurance if you plan to lease or finance a vehicle. These car insurance companies have reasonable rates, good coverage options, and are rated highly by J.D. for customer service. Power.
Geico
Geico offers the best rates in Irvine for minimum and full coverage car insurance. Drivers can also get 16 discounts from Geico, which could appeal to Irvine residents looking for affordable car insurance. Additionally, employees may be eligible for discounts through Geico’s affiliation program if they are employed by major Irvine companies like Western Digital, Taco Bell and Mazda. J.D. also rates the company well above the California average in customer satisfaction. Power.
Grange
Grange’s has the second-lowest rate on our list. J.D. Although J.D. Power doesn’t rank them, it does offer 16 discounts for drivers who are looking for additional savings. Prepayments, being a good student, and being an accident-free driver will all be reduced. However, the insurance provider offers unique discounts to household drivers who have completed high school or for those with a specific occupation.
AAA
AAA is a club that members can join to get travel insurance and roadside assistance. While AAA’s minimum coverage rate is relatively low, the average full coverage rate for the area is much higher than the Irvine average. J.D. ranked AAA third in the study. Power’s California region study was third. This may make AAA a great option if you want to provide excellent customer service.
Wawanesa
J.D. tops Wawanesa Insurance Power’s top-ranked car insurance company in California for customer satisfaction, with 853 points out of 1,000. Wawanesa customers love its quick response times. You can either get help online or call the Wawanesa hotline to file a claim or file an insurance claim. Wawanesa has a lower average rate for full coverage insurance than AAA, which can save you nearly $400 each year. Keep in mind that actual rates can vary depending on many factors.
Irvine has the lowest car insurance
California’s average car insurance cost is $733 annually for minimum coverage and $2,065 per year for full coverage. This is higher than the $1,674 national average for full coverage. You can save a lot of money if you shop around, especially if your driving record is clean. According to Quadrant Information Service, the following car insurance companies hold the largest market share and the lowest annual premiums in Orange County.
Remember that AAA membership is required before you can get coverage. Mercury might be a good choice for high-risk drivers in need of affordable coverage. Geico and Progressive both have low rates. However, Progressive offers more discounts to make your savings even greater. State Farm has the best coverage, but the rates aren’t as affordable as other insurance companies.
Irvine insurance requirements
Irvine doesn’t have specific municipal insurance requirements. To legally drive throughout the state of California, however, you will need liability coverage of:
- $15,000 per person/$30,000 per incident in bodily injury liability
- $5,000 for property damage
Irvine-based carriers (and all of California) should notify the DMV about any insurance lapse or non-payment. Your license may be suspended until your policy is reinstated. Having the cheapest minimum car insurance could save you from future headaches. Keep in mind, however, that minimum coverage doesn’t provide any reimbursement for car repairs or damages done to other vehicles beyond the required minimum.
Irvine car insurance discounts
Everyone appreciates saving money, no matter if you’re new to Irvine or an OC resident. These common discounts can help you lower your Irvine car insurance premiums.
- Bundling: Nearly half the Irvine residents are homeowners. Even if you rent, bundling your home and renters insurance with auto insurance from the same company can significantly lower your premiums.
- Young driver: Young drivers don’t have years of driving experience and are required to pay significantly more for their insurance. If you have a young driver, you can take advantage of student, youth or teen discounts to save money.
- Telematics: Many carriers offer driver tracking programs through a mobile app that monitors your driving. Based on safe driving behavior, drivers who are responsible could be eligible for discounts.
- Loyalty: Depending on how many years you’ve been with the company, you could get a loyalty discount. If you’re in the market for a new policy, switching carriers could also net you a discount with some companies.
Bundling policies with the same insurance company can result in significant savings. You may be able to get discounts from your preferred insurance company that is not listed here. To maximize the discounts you are eligible for, speak with a licensed agent from each company when you request quotes.
Questions frequently asked
Which is the best auto insurance company?
There is no one car insurance company that is best for everyone. To find the best company for you, try getting quotes from a handful and compare rates and policy offerings.
What is the cost of car insurance in Irvine?
There are many factors that affect car insurance rates in Irvine and elsewhere. According to Bankrate’s pricing analysis for Irvine, premiums for minimum coverage range between $529 and $1270 depending on which insurance company. Average rates for full-car insurance range between $1,541 to $2,933. However, your individual situation will determine your rates and may vary.
What amount of car insurance do you need in Irvine
Irvine vehicle owners must have liability coverage of at least $15,000 for bodily injury per person, $30,000 per accident and $5,000 for property damage. This amount is not the minimum required by law to drive legally. To determine the right amount of coverage for you and your financial situation, consult a licensed agent.
