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2024

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Best Local Car Insurance Agencies in Irvine, CA

Our Recommended Top 11

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Irvine Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

128Reviewed

81Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

23681 Birtcher Dr, Lake Forest, CA 92630

Expertise.com Rating

Review Sources

Google
4.9 (590)

Why choose this provider?

Culver Insurance Services, located in Lake Forest, California, partners with a wide array of insurers to offer auto insurance to drivers across the Irvine, California, metro area. The agency ensures all policies meet the state's minimum liability requirements and advises clients on additional coverages such as uninsured motorist, property damage, and comprehensive insurance. Most of its auto policies cover cars and trucks, and motorcycles are eligible, too. Services are available in Spanish. Culver Insurance Services also offers commercial insurance.

23537 Moulton Pkwy, Laguna Hills, CA 92653

Expertise.com Rating

Review Sources

Google
3.6 (9)
Yelp
4.0 (9)
Facebook
5.0 (3)

Why choose this provider?

Laguna Pacific Insurance Services is an independent auto insurance agency that has been selling to the residents of Irvine, California, for more than 25 years. The company maintains relationships with more than 15 insurance carriers, including The Hartford, Foremost, and Progressive, enabling them to give clients options for their coverage needs. The policies include traditional and collection vehicles, and they cover property damage and medical bills due to an accident or natural disaster.

26522 La Alameda Ste 210, Mission Viejo, CA 92691

Expertise.com Rating

Review Sources

Google
5.0 (17)
Facebook
5.0 (12)

Why choose this provider?

Drivers in Irvine, California can rely on Advantis Insurance Services to insure their personal and commercial vehicles, including RVs and motorcycles. The company works with insurance providers such as Travelers, Nationwide, and Progressive to create tailored insurance policies that include options such as comprehensive, collision, and medical payments coverage. Its convenient online forms allow customers to easily request insurance certificates, submit claims questions, and obtain an online quote. Advantis Insurance Services is accredited by the Better Business Bureau.

2960 Harbor Blvd Ste 4, Costa Mesa, CA 92626

Expertise.com Rating

Review Sources

Yelp
4.0 (55)
Google
4.5 (51)

Why choose this provider?

Serving the Irvine metro area, EZ Insurance Services is an independent insurance agency based in Costa Mesa, California. The agency provides auto insurance solutions directly from its offices or online and can provide other forms of personal, health, and business protection services. Coverage it can provide through its insurance partners includes repair or replacement for vehicles involved in accidents, personal liability for injuries sustained by third parties, roadside assistance, and uninsured/underinsured driver protection.

30011 Ivy Glenn Dr Ste 212, Laguna Niguel, CA 92677

Expertise.com Rating

Review Sources

Google
5.0 (55)
Facebook
4.3 (11)

Why choose this provider?

Insource Insurance Agency has more than four decades of experience serving the insurance needs of residents in the Irvine, California, metro area. It offers car, truck, and motorcycle owners auto insurance policies with a breadth of coverages, including liability, property damage, and uninsured motorist. By altering limits and deductibles, the agency ensures clients have the coverage that makes them comfortable without exceeding their budget. Mercury Insurance Group, Safeco, and Travelers are just of few of the agency's partners.

30021 Tomas Ste 300, Rancho Santa Margarita, CA 92688

Expertise.com Rating

Review Sources

Facebook
4.8 (36)
Yelp
5.0 (23)
Google
5.0 (5)

Why choose this provider?

David C. Duncan Insurance Services is an independent insurance agency based in Rancho Santa Margarita, California, serving Irvine and the surrounding areas. The auto insurance specialist can provide one-on-one services to help its clients find the right policy at the right price. Coverage can include comprehensive for vehicle damage, collision for accidents, and medical for recuperation treatment expenses. The agency represents many insurance providers and offers discounts for multi-car policies, good drivers, and combined auto-home insurance policies.

23002 Lake Center Dr Ste 200, Lake Forest, CA 92630

Expertise.com Rating

Review Sources

Google
5.0 (304)
Facebook
4.9 (60)
Yelp
5.0 (16)

Why choose this provider?

Since 1960 Blackwell Insurance Agency has been serving residents of Irvine, California. It helps drivers to customize auto insurance plans that include adequate coverage for their vehicle and driving habits at rates they can afford. Policies include liability coverage, and customers can choose to purchase additional options such as comprehensive, collision, full glass, rental car insurance, and towing coverage. The company works with several national insurance carriers including Progressive and Foremost Insurance Group.

P.O. Box 4142, Tustin, CA 92781
WebsiteLicense: 6005727
Website

Expertise.com Rating

Why choose this provider?

Purely Insurance Solutions caters to the residents of Irvine and nearby communities. It provides clients with car insurance plans that include liability, physical damage protection, permissive user, and personal injury protection coverage options. It also offers other personal and business insurance policies, including life, health, crime, and workers' compensation insurance. Purely Insurance Solutions works as an independent agency able to help and present clients with several policy options and the lowest quotes from insurance providers.

22932 El Toro Rd, Lake Forest, CA 92630

Expertise.com Rating

Review Sources

Yelp
4.5 (159)
Google
3.9 (63)
Facebook
4.8 (35)

Why choose this provider?

Located in Lake Forest, California, with several other locations in California and Iowa, Breathe Easy Insurance specializes in providing auto insurance, including SR-22 insurance. Per state requirements, Breathe Easy offers liability, collision and comprehensive damage insurance to motorists, including uninsured and underinsured motorists. Breathe Easy Insurance also provides insurance coverage for motorcycles, boats, RVs, homes and businesses. The company's goal is to provide clients with the most competitive insurance rates possible.

4695 MacArthur Ct, Ste 1109, Newport Beach, CA 92660

Expertise.com Rating

Review Sources

Google
5.0 (265)
Yelp
5.0 (85)
Facebook
4.8 (43)

Why choose this provider?

Kessler Alair Insurance Services is an independent insurance agency based in Newport Beach, California, with other offices in Upland and Rancho Cucamonga. For over nine decades, the insurance brokerage has provided quality insurance products to motorists and homeowners tailored to meet each individual's needs. The agents at Kessler Alair Insurance Services take the time to learn about a car owner's coverage needs so that they can get them a befitting policy. The firm also offers renters, commercial, and health insurance.

20322 Windrow Dr # 150-A, Lake Forest, CA 92630

Expertise.com Rating

Review Sources

Facebook
5.0 (7)
Google
5.0 (1)

Why choose this provider?

IronPoint Insurance Services LLC is an independent auto insurance agency in Lake Forest, California, that has been serving motorists in the Orange County area for over 20 years. The family-owned agency provides home and business insurance coverage as well. IronPoint works with insurance carriers that include Nationwide, Travelers, Liberty Mutual, and The Hartford. Mexico auto insurance policies from providers such as Qualitas or Mapfre can also be obtained through IronPoint Insurance.

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Culver Insurance Services
23681 Birtcher Dr, Lake Forest, CA 92630
Laguna Pacific Insurance Services
23537 Moulton Pkwy, Laguna Hills, CA 92653
Advantis Insurance Services
26522 La Alameda Ste 210, Mission Viejo, CA 92691
EZ Insurance Services
2960 Harbor Blvd Ste 4, Costa Mesa, CA 92626
Insource Insurance Agency
30011 Ivy Glenn Dr Ste 212, Laguna Niguel, CA 92677
David C Duncan Insurance Services
30021 Tomas Ste 300, Rancho Santa Margarita, CA 92688
Blackwell Insurance Agency
23002 Lake Center Dr Ste 200, Lake Forest, CA 92630
Purely Insurance Solutions
P.O. Box 4142, Tustin, CA 92781
Breathe Easy Insurance
22932 El Toro Rd, Lake Forest, CA 92630
Kessler Alair Insurance Services
4695 MacArthur Ct, Ste 1109, Newport Beach, CA 92660
IronPoint Insurance Services, LLC
20322 Windrow Dr # 150-A, Lake Forest, CA 92630

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Does a DUI conviction affect your car insurance coverage in Irvine?

    Yes. In Irvine, your insurance provider has the option to terminate your policy following a DUI-related license suspension or revocation. However, if they opt to continue your coverage, you will likely face significantly increased premiums, potentially reaching up to 185% higher than what you initially paid for your policy.

  • Can your insurance company cancel your policy in Irvine without notice?

    It is typically not allowed for insurance providers in Irvine to suddenly terminate your insurance policy unless there are specific circumstances, such as non-payment of premiums, misrepresentation, or a limited set of approved reasons established by state laws. If you fail to pay your premiums, insurers can cancel your policy, but there is a 30-day grace period before they can implement this step. Additionally, insurers are obligated by law to send you a 30-day advance notice via mail.

  • Can you insure a modified vehicle in Irvine?

    Yes, insurance for modified or restored vehicles is available in Irvine, with some companies offering additional coverage for cars whose value has increased due to modifications. There are also endorsements specifically designed for such vehicles. However, note that these specialized policies may have exceptions. To prevent unexpected issues during the claims process, it is recommended to consult your insurance broker to clarify which aftermarket parts and modifications are covered.

  • What happens if you get into an accident with an uninsured driver in Irvine?

    If the other driver does not have insurance in Irvine, your own policy may help you recover some of the costs incurred. Uninsured motorist coverage compensates for your medical expenses, property damage, and other losses if you are in an accident caused by an uninsured or underinsured driver.

  • Is uninsured and underinsured motorist coverage required in Irvine?

    In Irvine, there is no legal requirement for drivers to purchase uninsured or underinsured motorist coverage as part of their auto insurance policy. However, it is strongly recommended because it can be beneficial in certain situations. Uninsured motorist coverage provides financial protection to policyholders involved in accidents with drivers without insurance. Additionally, underinsured motorist coverage helps when the at-fault driver's insurance is insufficient to cover your damages fully.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.