Updated: December 12, 2025
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At $49 per month, GEICO provides Fullerton's most affordable minimum coverage rates, while the same insurer charges $107 per month for full coverage protection. These premiums apply to drivers with clean records.
Age and driving history affect which provider gives you the lowest premium, so comparing quotes from multiple carriers shows your best available rate.
| Geico | $107 | $49 | -38% |
| Progressive | $119 | $63 | -28% |
| AAA | $139 | $67 | -18% |
| State Farm | $159 | $75 | -8% |
| Wawanesa Insurance | $149 | $78 | -10% |
California residents pay $61 per month for minimum coverage, but Fullerton drivers pay higher rates at $81 per month. Full coverage follows the same pattern, with Fullerton's $165 monthly cost well above the state's $131 average.
The city's dense traffic patterns create more accident risks. Higher vehicle theft rates and proximity to busy highways increase claims costs. These urban factors make Fullerton's insurance premiums more expensive than statewide averages.
Comparing quotes from multiple insurers helps local drivers find the most competitive rates available.
| $165 | $131 |
Read More: The cheapest car insurance in California
Young drivers in Fullerton pay high insurance costs, averaging $228 per month across the top five insurers. Adults pay $135 per month while seniors pay $142 per month. These higher premiums reflect young drivers' limited experience and increased accident rates compared to older drivers.
Cheapest Fullerton car insurance by age:
Once drivers establish experience, age matters less for pricing. The modest difference between adult and senior rates shows insurers view experienced drivers similarly whether they're 40 or 70 years old.
Car insurance rates for young drivers in Fullerton run much higher than for other age groups, averaging $228 per month compared to $135 for adults. GEICO provides the most affordable option at $202 per month or $2,424 annually for full coverage. Insurers charge these higher premiums because drivers ages 16 to 25 lack experience behind the wheel, get involved in more accidents, and receive traffic violations more often than older drivers.
Young Fullerton drivers save $61 per month by choosing GEICO over Progressive at $263 per month. Adding young drivers to family policies beats standalone coverage costs, but expect premiums to stay high until age 25.
Note: Teen drivers must meet state licensing requirements and may have additional restrictions. Parents should verify coverage requirements with their insurer.
| Geico | $202 | $2,428 |
| Wawanesa Insurance | $208 | $2,494 |
| State Farm | $222 | $2,665 |
| AAA | $244 | $2,923 |
| Progressive | $263 | $3,153 |
Fullerton seniors benefit from competitive car insurance rates thanks to their clean driving records and decades of experience behind the wheel. GEICO offers the most affordable full coverage at $115 per month or $1,374 annually, though some insurers increase rates slightly for drivers over 70 due to reaction time concerns. Across the five cheapest providers, Fullerton's seniors average $142 per month, just $7 above the $135 that adults pay.
By choosing GEICO over AAA at $161 per month, seniors save $46 each month. Defensive driving courses and low-mileage discounts for drivers under 7,500 miles annually provide additional savings opportunities.
| Geico | $115 | $1,374 |
| State Farm | $137 | $1,645 |
| Progressive | $146 | $1,751 |
| Wawanesa Insurance | $150 | $1,801 |
| AAA | $161 | $1,931 |
Drivers between ages 26 and 64 get Fullerton's most competitive insurance rates. They blend extensive driving experience with lower accident risk than younger and older motorists. GEICO leads with the cheapest full coverage at $107 per month or $1,287 annually for this age group.
Across Fullerton's five most affordable insurers, adults average $135 per month, the lowest of any age category. Adults save $52 per month by choosing GEICO over State Farm's $159 rate, the fifth cheapest option. Clean driving records and policy bundling offer additional ways to cut premiums even lower.
| Geico | $107 | $1,287 |
| Progressive | $119 | $1,426 |
| AAA | $139 | $1,668 |
| Wawanesa Insurance | $149 | $1,789 |
| State Farm | $159 | $1,903 |
Car insurance violations increase costs across Fullerton, with average monthly rates jumping from $66 for clean records to $138 for DUI convictions. GEICO offers the most affordable minimum liability coverage at $49 per month for drivers with clean records, $74 per month for those with speeding tickets, and $118 per month for drivers with DUIs.
These rate increases reflect how insurers view different violation types as risk indicators. DUIs trigger the highest premium increases because they combine dangerous behavior with serious legal consequences. They place you in insurers' highest-risk category and often require SR-22 filing.
At-fault accidents raise rates because they prove you've caused actual property damage or injuries to others. Speeding tickets create smaller increases in premiums because they signal risky driving habits without demonstrating you've caused crashes.
| Geico | $118 | $1,421 |
| Farmers | $132 | $1,586 |
| Auto Owners | $145 | $1,741 |
| Progressive | $145 | $1,741 |
| Mercury Insurance | $148 | $1,775 |
ZIP code 92832 offers Fullerton's cheapest car insurance at just $65 monthly, while ZIP code 92833 costs the most at $198 per month. See your ZIP code's rate in the table below.
Fullerton's most populated neighborhoods are 92831, 92832 and 92835, where minimum coverage costs $180, $140, and $141 monthly. These differences reflect local factors like accident frequency, theft rates, population density and uninsured driver percentages in each area. Use the filter above the table to locate your ZIP and check your neighborhood's typical rate.
| 92831 | $92 | $180 |
Smart Fullerton drivers secure competitive rates without sacrificing the coverage they actually need.
Try our car insurance coverage needs calculator for customized advice. This tool analyzes your specific situation to recommend appropriate coverage levels for your Fullerton driving needs.
Familiarize yourself with types of car insurance options in Fullerton. Consider pay-per-mile if you drive infrequently or non-owner coverage if you occasionally borrow vehicles.
Look up average vehicle insurance costs for your specific Fullerton neighborhood. Local rates vary based on zip code, crime rates and traffic patterns.
Explore every car insurance discount opportunity available. Consider bundling multiple policies or securing multi-car discounts. You can save with safe driver, student and anti-theft discounts.
Review company ratings and customer feedback for insurers serving Fullerton. Check financial stability scores and complaint ratios to ensure you're choosing a reliable provider for claims handling.
Request quotes from multiple carriers in Fullerton. Comparing at least three different companies helps you identify the best rates and coverage options for your specific driving profile.
Schedule an annual policy review to stay competitive with current market rates. Life changes, new discounts and shifting insurance markets can affect your premium costs over time.
Want to find affordable coverage in Fullerton? Our FAQ section offers clear answers about available discounts, state regulations and policy options to help you find coverage that fits your budget and needs.
GEICO leads Fullerton with the most affordable minimum coverage at $588 annually and full coverage at $1,284 annually. Since personal factors like driving record and credit score affect rates, comparing quotes from multiple companies helps drivers find the best option.
Progressive ranks first among Fullerton's car insurance providers, achieving a MoneyGeek score of 91 out of 100 and outpacing GEICO by four points. The company performs well in both affordability and coverage options.
Car insurance costs $972 annually for minimum coverage and $1,980 for full coverage in Fullerton. Your actual premiums depend on your personal details like driving history and credit score.
Yes, Fullerton car insurance costs are high, with the city ranking 1166th for full coverage and 1172nd for minimum coverage affordability among California cities.
Fullerton drivers pay some of California's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Fullerton's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
