Irvine Insurance Rates:

Irvine, CA home insurance is about $569 to $772, about $47-$64/month. Our extensive analysis indicates shoppers can save as much as $268 by getting different quotes

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Irvine Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $880/9 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $445,000

5 Beds, 5 Bath 1550 sqft Seasonal Residence Constructed In 2013 with Carpet Flooring, Slate Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fire Extinguisher, Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Single Female who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $170/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $270,000

2 Beds, 2 Bath 1030 sqft Vacation Property Constructed In 2005 with Linoleum, Slate Shingles Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Smoke Alarm, Fireplace, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $920/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $425,000

2 Beds, 2 Bath 1360 sqft Vacation Property Constructed In 1993 with Wood Flooring, Shingles Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Deadbolt Locks, Fireplace, Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

33 Years old Single Female who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $720/6 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $920,000

4 Beds, 4 Baths 2550 sqft Seasonal Residence Constructed In 1983 with Ceramic Tile Flooring, Wood Shake Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Fireplace, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Married Male who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $760/5 months for $600,000-$700,000 Coverage
Policy Holder Home Details :

Home Value : $625,000

3 Beds, 3 Baths 1775 sqft Primary Residence Constructed In 1985 with Carpet over wood flooring, Slate Shingles Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Indoor Sprinklers, Swimming Pool, Smoke Alarm, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

27 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Irvine, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92602 $749,200 $700
92620 $696,000 $680
92606 $625,000 $680
92614 $607,100 $680
92604 $584,800 $660
92612 $574,100 $660
92618 $504,700 $650

Irvine Rates & Quotes Analysis:

Irvine Area Estimated House Insurance
Cabrini, Carver, Winterfield Way, Cmt Salado, Bridgeway St, Banyan, Commercenter Dr, Vermillion, Malaga St, Orleans Cir$662
Sandstone, Oak Canyon, Manchester Way, Los Trancos Dr, Cantora, Sunnyhill, Franciscan St, Ashbourne Rd, Cartier Aisle, Silver Cres$672
Figaro, Acacia Tree Ln, Santa Luzia Aisle, Geranium, Hemmingway Ave, Hillsboro Pl, Palmwood, Sterling, Waverly Ln, E Trenton$643
Belmez, Monticello, Eiffel Cir, Revere, Cll Madris, Forsythe Way, Spring Valley, Villager, Sandfield Pl, Stearns$678
Mosher Ave, la Quinta, San Marino, Pebble, Miramonte Ct, Deer Spring, Brookmont, Cmt Tecate, Reynolds Ave, Waterman$646
Cmt Nicosia, Miro Ct, Henna, Golden Glen St, Graham Dr, Sylvan, Ridge Valley, Cll Florera, Forest Hill, Lake Rd$664
Weathervane, Hidden Brook, Russell Pl, Corriente, Santa Barbara Ct, Blue Spruce, Goshen, Majorca Ave, Petersburg, Corinthian Way$698
Butler St, Silverwood, Civic Center Plz, Field, Compass Rose Way, Bell, Shamrock Rd, Colonna, Declaration Pl, Flores$667
Bonsall, Santa Vittoria Dr, Pso Verdura, Buckthorn, Berkshire Pl, Giotto, New Dawn, Browning, Cherokee, Moya$633
Nau Ave, Lost River Ct, Means, Foxchase, Bonvue Ter, Paloma, Altura, Lexington St, Via Alicante, Asbury$686

Insurance rates are influenced by a number of factors including:

  • Year Built: 16,525 Homes (19% of total) built between 1980 to 1989 in Irvine are paying home insurance between $999-$1,009 compared to North Tustin (+$33), Newport Beach (+$86), Villa Park (+$81), Orange County (-$25) and Tustin (-$31).
  • Bedrooms: 21,243 3 bedrooms homes (26% of total homes ) in Irvine are paying about $248. Areas near to Irvine such as Irvine-Lake Forest, North Tustin, Central Coast are costlier by $5, $9, $15 respectively whereas Laguna Woods and Lake Forest are more economical by $20, $8 respectively for similar homes.
  • Auto Insurance Bundling: 9,425 Households (23% of all households) in Irvine have 3 or more vehicles available and when it is bundled with home insurance you can save $167 in contrast with Orange County ($163), Irvine-Lake Forest ($166), Tustin ($162).
  • Senior Discounts: 15,651 seniors (more than 55 years) occupied housing units (39% of total) in Irvine get discounts between $100 to $102 in contrast with Orange County ($97), Irvine-Lake Forest ($99), Laguna Woods ($90).
  • New Homes discounts: New homes such as the 42,468 homes built between 2000 to 2009 in Irvine can save $134 compared to Orange County ($130), Irvine-Lake Forest ($132), Tustin ($129).

Irvine Homeowners insurance Facts

  • Irvine, CA has 39,325 owner occupied houses which is 50.3% of all units whereas Orange County, Irvine-Lake Forest and Tustin have 59.3%, 59.4% and 51.06% respectively.
  • Irvine, CA homeowners yearly insurance price at $670 is 0.1% of the typical house value of $646,500 which is in contrast with 0.12% in Orange County, 0.11% at Irvine-Lake Forest & 0.13% in Tustin.
  • Homeowners in Irvine, CA pay 1.58% of their income ($40,000 to $44,999) in insurance whereas homeowners in Orange County, Irvine-Lake Forest and Tustin pay 1.54%, 1.56% and 1.53% respectively.
  • Irvine, CA’s insurance is 1.9% of monthly housing costs of $2,995/month, for owners with a mortgage compared to 2.01% in Orange County, 1.96% at Irvine-Lake Forest & 1.91% in Tustin. But, for households without a mortgage, insurance is 9.1% of costs ($615 in Irvine, CA) in contrast with 10.69% in Orange County, 9.3% at Irvine-Lake Forest & 9.73% in Tustin.

Irvine, CA Home Values & Insurance rates

For example, insurance for 103 Homes (1.0% of total homes ) valued between $175,000 to $199,999 in Irvine, CA is about $194. Rates in nearby areas in such as North Tustin, Central Coast, Newport Beach are cheaper by $35, $35, $64 respectively while Orange County and Irvine-Lake Forest are costlier by $28 and $11 respectively for similar homes.

Irvine, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 143 2.0% $20
$60,000 to $69,999 137 2.0% $67
$70,000 to $79,999 84 1.0% $73
$80,000 to $89,999 122 2.0% $87
$100,000 to $124,999 160 2.0% $113
$125,000 to $149,999 127 2.0% $140
$150,000 to $174,999 178 3.0% $167
$175,000 to $199,999 103 1.0% $194
$200,000 to $249,999 590 10.0% $227
$250,000 to $299,999 948 16.0% $281
$300,000 to $399,999 3,201 54.0% $361

Renters Insurance in Irvine

  • Average Renters Insurance in Irvine :  $49($4/month)

  • Median Gross Rent in Irvine :  $1,832

  • Irvine Renters Insurance to Median Rent Ratio:  0.22%

  • Renter occupied housing units in Irvine :  38,807

Irvine Renters Insurance as a Percentage of Rent

Irvine Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 675 1.0% $1212
$500 to $749 1,242 3.0% $1887
$750 to $999 1,352 3.0% $2637
$1,000 to $1,499 5,684 14.0% $3762
$1,500 or more 28,558 75.0% $5412

Rent Affordability in Irvine:

Approximately 41.0% (16,296) of households are spending more than 35% of their income on gross rent in Irvine

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 3,828 9.0%
15.0 to 19.9 percent 4,547 11.0%
20.0 to 24.9 percent 5,406 13.0%
25.0 to 29.9 percent 4,488 11.0%
30.0 to 34.9 percent 4,242 10.0%
35.0 percent or more 16,296 41.0%

Protective device discount in Irvine Up to :  $7

Claims-free discount in Irvine Up to :  $9