The rates you pay for auto insurance coverage is dependent on a lot of factors, but the average insurance policy in Irvine is about $1,430 annually. On average, drivers in other states pay roughly $1,250, so Irvine drivers pay around $209 more each year than other states.
The cost of auto insurance in Irvine depends on a lot of variables, and one of the primary components is the vehicle you are insuring. The rate data below details price estimates for the most popular vehicles sold in Irvine.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Malibu LT | $1,330 | $665 | $111 |
| Ford Focus SES 4-Dr Sedan | $1,340 | $670 | $112 |
| Ford Fusion Sport AWD 4-Dr Sedan | $1,516 | $758 | $126 |
| Honda Accord EX 2-Dr Coupe | $1,452 | $726 | $121 |
| Honda Civic SI 2-Dr Coupe | $1,714 | $857 | $143 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,376 | $688 | $115 |
| Toyota Corolla LE | $1,372 | $686 | $114 |
| Volkswagen Jetta SE 4-Dr Sedan | $1,406 | $703 | $117 |
| Get a Custom Quote for Your Car Go | |||
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in your specific Irvine location which can revise premiums noticeably.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Colorado LT Crew Cab 4WD | $1,202 | $601 | $100 |
| Chevrolet Silverado LT Regular Cab 2WD | $1,376 | $688 | $115 |
| Dodge Ram 3500 Mega Cab SLT 2WD | $1,548 | $774 | $129 |
| Dodge Ram Quad Cab SLT 4WD | $1,410 | $705 | $118 |
| Ford F-150 XL Crew Cab 4WD | $1,254 | $627 | $105 |
| Ford F-250 XLT 4WD | $1,560 | $780 | $130 |
| Ford F-350 XL Crew Cab Cabela Package 2WD | $1,438 | $719 | $120 |
| GMC Sierra SLT Extended Cab 4WD | $1,406 | $703 | $117 |
| Toyota Tacoma X-Runner 2WD | $1,372 | $686 | $114 |
| Toyota Tundra Regular Cab 2WD | $1,268 | $634 | $106 |
| Get a Custom Quote for Your Truck Go | |||
Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Price information does not factor in specific Irvine garaging location which can impact rates substantially.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura RDX 2WD | $1,202 | $601 | $100 |
| Buick Enclave XL 2WD | $1,406 | $703 | $117 |
| Chevrolet Traverse LS AWD | $1,160 | $580 | $97 |
| Ford Escape Limited 2WD | $1,126 | $563 | $94 |
| Ford Explorer Limited 4WD | $1,330 | $665 | $111 |
| GMC Acadia SLE AWD | $1,296 | $648 | $108 |
| Honda CR-V EX 4WD | $1,126 | $563 | $94 |
| Honda Pilot EX-L 2WD | $1,330 | $665 | $111 |
| Jeep Grand Cherokee Laredo 2WD | $1,296 | $648 | $108 |
| Jeep Patriot Sport 2WD | $1,188 | $594 | $99 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $1,266 | $633 | $106 |
| Lexus RX 350 4WD | $1,596 | $798 | $133 |
| Toyota Highlander 2WD | $1,220 | $610 | $102 |
| Toyota RAV4 Limited 4WD | $1,296 | $648 | $108 |
| Volvo XC90 3.2 AWD | $1,516 | $758 | $126 |
| Get a Custom Quote for Your SUV or Crossover Go | |||
Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Premium costs do not factor in your specific Irvine location which can raise or lower rates substantially.
Why California Drivers Need to Buy Car Insurance
Even though it can be expensive, paying for car insurance serves several important purposes.
First, the majority of states have minimum liability requirements which means it is punishable by state law to not carry specific minimum amounts of liability in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a lien on your vehicle, it’s most likely the lender will make it mandatory that you have physical damage coverage to protect their interest in the vehicle. If the policy lapses, the bank or lender will purchase a policy for your vehicle at a more expensive rate and force you to pay much more than you were paying before.
Third, car insurance protects not only your vehicle but also your financial assets. Insurance will also pay for many types of medical costs for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance are definitely more than the cost, especially when you need to use it. The average driver in America overpays more than $700 annually so it’s important to compare rates every year to help ensure money is not being wasted.