Car Insurance in Fullerton

GEICO provides the cheapest minimum coverage in Fullerton at $589 per year, which sits 38% below the city average of $1,474. For full coverage, GEICO charges $1,287 annually, maintaining its competitive advantage.

Progressive ranks second at $757 per year for minimum coverage, still offering savings compared to the market average. GEICO's pricing edge in Fullerton reflects its efficient operations and strong Southern California presence.

The substantial difference between GEICO's rates and competitors shows how smart 

insurer selection can save Fullerton drivers nearly $900 annually on minimum coverage.

Adult drivers in Fullerton secure the lowest rates at $589 annually through GEICO. Young drivers pay $1,197 per year with GEICO, a 103% premium over adult rates.

Seniors pay $640 annually through GEICO, just slightly more than adults. California's prohibition on gender-based pricing ensures male and female drivers in each age group pay identical rates.

The relatively narrow spread between adult and senior rates makes Fullerton attractive for older drivers. Young drivers face typical youth premiums but benefit from GEICO's competitive baseline rates compared to other Orange County cities.

Young drivers in Fullerton can save the most with GEICO and State Farm, offering average monthly premiums starting at $100 and $106. Both companies combine affordable pricing with solid online tools and reliable customer support, making them ideal for drivers still building experience. 

Because younger motorists pay higher premiums due to limited driving history, shopping around and maintaining clean records can lower costs over time.

For adults aged 26 to 64, GEICO provides the lowest average rates in Fullerton, saving drivers about 41% below the city average. Progressive and AAA also rank among the most affordable providers for drivers with good credit and clean records. 

Adults can save even more by bundling home and auto policies or enrolling in safe driver programs that reward consistent, low-risk behavior.

Seniors in Fullerton find the best rates with GEICO, which charges $53 per month ($640 annually) for minimum coverage and about $115 per month ($1,374 annually) for full coverage. State Farm and Farmers follow closely with competitive pricing and strong claims support. 

Retired or semi-retired drivers who drive less can often save more by asking about low-mileage or defensive driving discounts.

Fullerton drivers with violations can still find competitive options through GEICO, which consistently offers the most affordable rates after DUIs, at-fault accidents, or speeding tickets. While premiums rise after an offense, completing driving courses and keeping a clean record for several years can gradually reduce costs.

• Cheapest With a DUI: GEICO (from $118 per month)
• Cheapest With an Accident: GEICO (from $87 per month)
• Cheapest With a Speeding Ticket: GEICO (from $74 per month)

Drivers in Fullerton with a DUI can save up to 40% on minimum coverage by choosing GEICO, which offers rates starting at $118 per month. Farmers and Progressive also provide competitive pricing for high-risk policies, though rates remain higher than average until a clean record is restored.

GEICO has the lowest rates for Fullerton drivers with an at-fault accident, averaging $87 per month. Auto-Owners and AAA follow with premiums under $105 monthly. Drivers can lower rates faster by avoiding new violations and taking advantage of accident forgiveness programs if available.

For drivers with a speeding ticket, GEICO provides the cheapest car insurance in Fullerton at just $74 per month ($884 annually) for minimum coverage. Rates increase after a citation, but maintaining a clean record and renewing policies without further violations helps bring premiums down over time.

Progressive ranks as the best car insurance company in Fullerton with a MoneyGeek score of 90.75, combining competitive pricing with innovative digital tools. GEICO follows closely with a score of 87.12, offering the lowest rates and efficient mobile service.

Progressive's top ranking reflects its user-friendly online platform, usage-based insurance options and transparent pricing. GEICO appeals to budget-focused drivers prioritizing low premiums and streamlined policy management.

Both insurers maintain strong financial stability and responsive claims handling, giving Fullerton residents reliable options for comprehensive coverage backed by nationally recognized companies.

Car insurance in Fullerton costs an average of $1,474 per year. Minimum coverage averages $123 monthly while full coverage runs $1,474 annually.

These rates position Fullerton in the middle of Orange County's insurance market, more affordable than coastal cities but pricier than inland areas. GEICO offers coverage well below the city average at $589 annually for minimum coverage, demonstrating how the right insurer choice significantly reduces costs.

Fullerton's rates reflect California's expensive insurance environment, but competitive options from GEICO help residents find affordable protection despite market challenges.

In Fullerton, car insurance rates by ZIP code range from $65 to $198 per month. ZIP code 92833 is the most expensive, while 92832 is the cheapest. Check the average rates for your ZIP code on the table below.

Finding affordable car insurance in Fullerton can be challenging with California's high average rates and complex coverage options. Our step-by-step guide shows you how to lower your costs while getting the right protection for your needs.

Your car insurance rates in Fullerton depend on your age, driving record and vehicle type. GEICO and Progressive offer the lowest average premiums in the city, but compare quotes from multiple providers to find your best rate.

We've researched the cheapest car insurance options in Fullerton to help you find affordable coverage that fits your needs. Our FAQ section provides clear answers about saving money while maintaining proper protection for your vehicle.

To help Fullerton drivers find the most affordable auto insurance companies, MoneyGeek analyzed Fullerton auto insurance rates based on data and information from the California Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Fullerton and hundreds of thousands of quotes for 12 companies offering auto insurance in California to tailor options as closely as possible to you.

Fullerton Driver Profile

MoneyGeek created a sample driver profile to calculate car insurance quote averages in Fullerton with the following characteristics:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.

Coverage Levels in Fullerton

MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.

The minimum coverage requirements in California are:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

For a full coverage policy, we used the following coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident
• Comprehensive and collision insurance, each with a $1,000 deductible

Our Best Company Rating Methodology

We rated all companies in Fullerton based on the following rating scale:

• Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
• Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
• Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.