GEICO offers the lowest car insurance rates in Fullerton, with annual premiums of $589 for minimum coverage and $1,287 for full coverage. Other affordable insurers in the city include Progressive, AAA and State Farm.
Car Insurance in Fullerton
Updated: August 10, 2025
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Key Takeaways
Fullerton's cheapest car insurance companies are GEICO, Progressive and AAA, with savings up to 38% compared to the city average.
Monthly car insurance costs in Fullerton average $165 for full coverage and $81 for minimum coverage.
To get the best cheap auto insurance in Fullerton, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Fullerton?
| GEICO | $49 | $107 | -38% |
| Progressive | $63 | $119 | -28% |
| AAA | $67 | $139 | -18% |
| Wawanesa Insurance | $78 | $149 | -10% |
| State Farm | $75 | $159 | -8% |
Compare the Cheapest Fullerton Car Insurance for You
Your car insurance rates depend on personal details like your driving record, age and credit score. Check the table below to find the cheapest insurance company for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| State Farm | $166 | $1,987 | -33% |
| AAA | $175 | $2,094 | -29% |
| Progressive | $180 | $2,156 | -27% |
| GEICO | $180 | $2,164 | -27% |
| Farmers | $220 | $2,639 | -11% |
Cheapest Car Insurance by Age Group in Fullerton
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16-25 (young), 26-64 (adults), and 65+ (seniors). Based on our data in Fullerton, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: GEICO (from $100 per month)
- Cheapest Car Insurance for Adults: GEICO (from $49 per month)
- Cheapest Car Insurance for Seniors: GEICO (from $53 per month)
Cheapest Car Insurance for Young Drivers in Fullerton
GEICO and State Farm offer the best car insurance rates for young drivers in Fullerton with average monthly rates starting at $100 and $106 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $100 | $1,197 | -34% |
| State Farm | $106 | $1,273 | -29% |
| Wawanesa Insurance | $110 | $1,317 | -27% |
| Farmers | $111 | $1,333 | -26% |
| Auto Owners | $132 | $1,588 | -12% |
Cheapest Car Insurance for Adult Drivers in Fullerton
In Fullerton, GEICO provides the lowest rates for adult drivers (26 to 64), saving drivers around 41% on average. Progressive and AAA are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $49 | $589 | -41% |
| Progressive | $63 | $757 | -24% |
| AAA | $67 | $803 | -19% |
| State Farm | $75 | $894 | -10% |
| Farmers | $78 | $936 | -6% |
Cheapest Car Insurance for Senior Drivers in Fullerton
For seniors in Fullerton, GEICO offers the most affordable car insurance options. Its minimum coverage costs $53 per month or $640 annually. The same provider leads in full coverage rates at $115 monthly or $1,374 per year.
Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $115 | $1,374 | -40% |
| State Farm | $137 | $1,645 | -28% |
| Progressive | $146 | $1,751 | -23% |
| Wawanesa Insurance | $150 | $1,801 | -21% |
| AAA | $161 | $1,931 | -15% |
Cheapest Car Insurance for High-Risk Drivers in Fullerton
High-risk drivers in Fullerton can find affordable car insurance from these companies:
- 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)
Cheapest Car Insurance With a DUI in Fullerton
GEICO offers the most affordable car insurance rates in Fullerton for male drivers with a DUI. You can save 40% on minimum coverage compared to city averages with this provider.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Geico | $118 | $1,421 | -41% |
| Farmers | $132 | $1,586 | -34% |
| Auto Owners | $145 | $1,741 | -28% |
| Progressive | $145 | $1,741 | -28% |
| Mercury Insurance | $148 | $1,775 | -26% |
Cheapest Car Insurance With an Accident in Fullerton
GEICO has the lowest car insurance rates for Fullerton drivers with accident records, charging $87 per month.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Geico | $87 | $1,045 | -35% |
| Auto Owners | $96 | $1,154 | -28% |
| AAA | $104 | $1,243 | -22% |
| Progressive | $104 | $1,251 | -22% |
| Farmers | $106 | $1,269 | -21% |
Cheapest Car Insurance With a Speeding Ticket in Fullerton
For Fullerton drivers with a speeding ticket, GEICO offers the most affordable car insurance across both coverage types. Their minimum liability coverage costs about $7 monthly.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Geico | $74 | $884 | -40% |
| Auto Owners | $93 | $1,111 | -24% |
| AAA | $93 | $1,118 | -24% |
| Progressive | $95 | $1,136 | -22% |
| Farmers | $106 | $1,269 | -13% |
Best Car Insurance Companies in Fullerton
The top car insurance companies in Fullerton are Progressive, GEICO, AAA and Auto-Owners. These insurers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| Progressive | 91 | 2 | 3 | 2 |
| GEICO | 87 | 1 | 7 | 7 |
| AAA | 82 | 3 | 5 | 7 |
| Auto-Owners | 82 | 7 | 1 | 6 |
| State Farm | 79 | 5 | 4 | 7 |
Progressive: Best Overall Value
pros
Strong coverage options available
Highly rated customer service
Competitive rates across driver types
cons
Not the absolute cheapest option
Limited military discounts
COMPANY HIGHLIGHTS
Progressive ranks first overall in Fullerton by delivering consistent quality across coverage, service, and price points. The company stands out with comprehensive coverage options and strong customer service ratings. Progressive's rates come in well below the city average, making it an excellent choice for most drivers seeking balanced protection and service.
GEICO: Best for Affordable Rates
pros
Lowest rates in Fullerton
Multiple driver discounts available
Easy online experience
cons
Limited coverage options
COMPANY HIGHLIGHTS
GEICO offers the most affordable car insurance rates in Fullerton. They rank as the cheapest option for multiple driver categories, including adults, seniors, and young drivers. Their user-friendly digital tools make policy management straightforward, though they offer fewer add-on coverages than some competitors. GEICO's rates consistently beat the city average, making them an excellent choice for budget-conscious drivers seeking basic coverage.
How Much Is Car Insurance in Fullerton?
In Fullerton, minimum coverage costs about $81 per month or $969 per year, ranking 1,172nd out of all California cities for affordability. Full coverage averages $165 monthly or $1,978 annually, ranking 1,166th among California cities.
| Full Coverage | $165 | $1,978 |
| Minimum Coverage | $81 | $969 |
Compare Personalized Fullerton Car Insurance Costs
To find rates that match your exact situation, use the table below to filter average Fullerton car insurance costs by age, driving record and other personal factors.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $230 | $2,756 | 20% |
Fullerton Car Insurance Costs by ZIP Code
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.
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Zip Code:92831
| 92831 | $92 | $180 |
How to Get the Best Cheap Fullerton Car Insurance
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.
- 1
Calculate your coverage requirements
Start by determining how much coverage you actually need based on your vehicle's value and personal risk factors. Use our car insurance coverage needs calculator to get a personalized recommendation.
- 2
Explore alternative insurance options
Look into different types of car insurance that might better suit your situation. If you drive infrequently, pay-per-mile coverage could save you money. Don't own a car? Consider non-owner insurance for occasional driving.
- 3
Know the local price range
Research average vehicle insurance costs in Fullerton to set realistic expectations. Understanding typical rates for your age group and vehicle type helps you recognize good deals and avoid overpaying. This knowledge gives you leverage when negotiating with insurance providers.
- 4
Stack up available discounts
Maximize savings through car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, good student discounts and defensive driving courses can also reduce your premium significantly.
- 5
Check company ratings and service
Research insurance providers' financial strength and customer service ratings. Look for companies with strong records in claims handling and customer support in Orange County. Read local reviews to understand how each insurer treats Fullerton customers during claims processes.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites to ensure you're seeing all available options. Remember that rates can vary between providers for the same coverage.
- 7
Review your policy yearly
Set a reminder to review your coverage annually. Life changes, vehicle depreciation, and shifting market rates can affect your insurance needs and costs. Regular reviews ensure you maintain appropriate coverage at competitive rates as your circumstances change.
Cheapest Car Insurance in Fullerton: Bottom Line
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.
Cheap Fullerton Car Insurance: FAQ
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.
What is the cheapest car insurance company in Fullerton, California?
GEICO offers the lowest rates in Fullerton, with annual premiums of $589 for minimum coverage and $1,287 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Fullerton?
Progressive offers Fullerton's best car insurance, scoring 91 out of 100 and ranking four points above GEICO. Progressive delivers excellent customer service combined with competitive rates.
What is the average cost of car insurance in Fullerton?
In Fullerton, drivers pay $1,978 for full coverage and $969 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in Fullerton expensive?
Car insurance in Fullerton costs more than average, ranking 1,172nd for minimum coverage affordability and 1,166th for full coverage compared to other California cities.
How We Chose the Best and Cheapest Car Insurance in Fullerton, CA
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.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.