Cheapest and Best Car Insurance in Fullerton, CA (2023)
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By, Content Director
In Fullerton, GEICO offers the most affordable minimum coverage car insurance, while National General provides the best rates for full coverage and drivers with traffic infractions.
For teen drivers, Farmers is the most cost-effective. The most affordable choice depends on your driving profile and needs. GEICO is MoneyGeek’s winner for the best overall and best cheap car insurance categories in Fullerton. Chubb is the best option for those who want the best customer service.
Cheapest and Best Car Insurance in Fullerton
Cheapest Minimum Liability Car Insurance in Fullerton
The best cheap auto insurance companies for minimum coverage in Fullerton, California, are:
- GEICO: $469 per year
- Progressive: $524 per year
Chubb is the priciest insurer for minimum coverage, with an average yearly rate of $935.
State law in California stipulates that minimum coverage insurance must provide protection for bodily injury and personal property damage, with liability limits of up to the following amounts:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
Liability-only coverage compensates the other driver for damages caused in an accident for which you are at fault. For instance, if you are involved in an at-fault accident, your insurance company will pay for the medical costs of each individual up to $15,000, with a total cap of $30,000 per incident. You will be responsible for any costs beyond that limit.
Cheapest Full Coverage Car Insurance in Fullerton
The most affordable full coverage auto insurance providers in Fullerton are:
- National General: $1,149 per year
- GEICO: $1,176 per year
Chubb offers the priciest full coverage policy at an annual cost of $2,193.
A full coverage policy increases the limit of liability-only insurance and includes both comprehensive and collision insurance.
- Collision Coverage pays for damage to your vehicle resulting from a collision with another car or object.
- Comprehensive Coverage pays for damage to your vehicle resulting from incidents other than a collision, like theft, fire, vandalism, hail or flooding.
Full coverage policies may not be cost-effective for drivers with older, low-value cars.
Cheapest Car Insurance in Fullerton After a Driving Offense
According to MoneyGeek data, National General provides the least expensive auto insurance options in Fullerton after a driving violation:
- Speeding ticket: National General ($1,206 per year)
- At-fault accident: National General ($1,705 per year)
- DUI: National General ($1,206 per year)
The car insurance companies with the highest premiums after a driving infraction are Chubb ($2,889) for speeding, Kemper ($3,596) for an accident and Hartford ($6,197) for DUI. An infraction can cause auto insurance premiums to increase, so even the lowest rates will be higher after a violation.
The more serious the driving violation, the higher the rate increase (though not always). In Fullerton, rates after a speeding ticket increase by an average of $655, while rates after a DUI increase by an average of $2,274 per year. Fortunately, it is still possible to find cheap car insurance even with a bad driving record.
Cheapest Car Insurance in Fullerton for Teens and Their Families
The cheapest car insurance providers for 16-year-old teenage drivers on a family policy are
- Farmers: $3,236 per year for male and female teens
- State Farm: $3,300 per year for male and female teens
Nationwide is one of the most expensive auto insurance providers for teens, charging families $5,720 a year to add a male or female teen to their policy. Some companies have higher rates for male teens as they are riskier to insure, but this difference drops in early adulthood.
Adding a teen to a family's auto insurance plan is a cost-efficient option. In Fullerton, adding a 16-year-old male teen to a family policy costs $673 less than purchasing an individual plan. By shopping around for the most affordable insurer for teen drivers, families can save considerable amounts annually.
Cheapest Car Insurance in Fullerton for Military Drivers
The most affordable auto insurance companies in Fullerton for those with a military background, such as active or retired soldiers and their families, are:
- USAA: $1,011 per year
- National General: $1,149 per year
The rates above are for a full coverage policy. USAA is also the most affordable for minimum coverage at $455 per year, whereas GEICO is the second cheapest at $469 annually.
How to Compare Cheap Fullerton Car Insurance Quotes Online
Comparing auto insurance rates in Fullerton, California, can take more than 15 minutes per company. You have to provide a lot of personal information. With MoneyGeek's car insurance calculator, you can get quick estimates by simply entering your age, vehicle type, driving record and coverage preferences.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Fullerton: Summary
The best car insurance for you depends on how you prioritize service, affordability, coverage and other factors. MoneyGeek identified the top car insurance companies in Fullerton, California, for several categories:
- Best overall: GEICO (MoneyGeek score of 74 out of 100)
- Best for service: Chubb (MoneyGeek score of 76 out of 100)
- Best cheap: GEICO (MoneyGeek score of 78 out of 100)
A company’s MoneyGeek score for each category can vary, depending on how we weigh the criteria. The best car insurance provider in California is CSAA, and your location plays an important role in determining the rates you will pay. USAA is an excellent choice for those with a military background, boasting a MoneyGeek score of 85 out of 100.
Best Overall Car Insurance in Fullerton
The following companies offer the best auto insurance in Fullerton, California:
- GEICO: MoneyGeek score of 74 out of 100 ($1,176 per year)
- Progressive: MoneyGeek score of 73 out of 100 ($1,188 per year)
GEICO received high affordability and satisfaction scores, emerging as the best overall car insurance company in Fullerton. For those with a military background, USAA is the best option; the company earned a MoneyGeek score of 85 out of 100, and a full coverage policy costs an average of $1,011 per year.
Ranks #2 for affordability
Strong customer satisfaction score
Below-average claims management score
GEICO ranks high for customer service and affordability, offering an average yearly premium of $1,176 for comprehensive and collision coverage in Fullerton.
Although GEICO offers limited add-on coverages, it provides several that most Fullerton drivers will find helpful. For instance, GEICO's mechanical breakdown insurance (MBI) provides better coverage at a lower cost than the typical dealer-extended warranty. It includes all parts and systems, not just the list of items usually covered by dealer warranties. MBI is available for new or leased cars less than 15 months old and with less than 15,000 miles on the odometer.
GEICO policyholders can purchase roadside assistance coverage, which pays for flat tires, towing, jump starts and lockout services. The company’s rental car/travel reimbursement add-on pays up to a preset amount for a rental vehicle if yours is not driveable for more than 24 hours after a covered incident.
Best Car Insurance in Fullerton for Customer Service
Excluding cost from our scoring system, the best companies for customer service in Fullerton are:
- Chubb: MoneyGeek score of 76 out of 100 ($2,193 per year)
- Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,476 per year)
Chubb excels in policyholder satisfaction and claims processing. Although Chubb provides better service than the other 15 insurers we analyzed, its prices are much higher than its competitors.
Ranks #1 for claims management
Ranks #1 for customer satisfaction
Limited add-on coverage option
According to MoneyGeek research, Chubb scores high for customer satisfaction. Individuals who prefer quality service and don't mind paying a higher premium may benefit from this company.
With Chubb's Agreed Value coverage add-on, policyholders agree on the value of their car when the policy is written. If the vehicle is stolen or totaled, Chubb pays you the agreed-upon amount, which can save you thousands. The company's original equipment manufacturer (OEM) coverage pays to use original factory parts when your car is repaired after an accident. Using OEM parts helps ensure your vehicle's safety features perform properly in any subsequent accidents.
Chubb policyholders can also purchase rental car/travel reimbursement coverage. However, the company does not offer roadside assistance or gap insurance coverage, which may benefit some drivers.
Best Cheap Car Insurance Companies in Fullerton
Based on an analysis of affordability and service quality, the best companies in Fullerton for a policy that meets California's minimum coverage requirements are:
- GEICO: MoneyGeek score of 78 out of 100 ($469 per year)
- Progressive: MoneyGeek score of 73 out of 100 ($524 per year)
Although minimum coverage plans have the lowest rates, they provide limited protection against liability expenses and do not cover damages to your car after an at-fault accident.
Offers various discounts for different driver profiles
Affordable at $469 per year
Limited coverage options
Customers rarely complain about GEICO's quality service and affordable insurance, which means you'll receive good value for your money with this company. GEICO provides a variety of discounts, both standard and unique, to help you save even more on auto insurance.
GEICO offers several safety-related discounts, such as discounts for having airbags, anti-lock brakes, anti-theft systems, seatbelt use, daytime running lights, taking a defensive driving course and maintaining a safe driving record.
The insurer offers discounts to full-time students with good academic records, policyholders over 50, teachers and federal employees. Members of the military also qualify for discounts, including one for emergency deployment. Customers who bundle GEICO policies, have new cars or insure multiple vehicles can also save.
Average Cost of Car Insurance in Fullerton
Our data shows that the average cost of car insurance coverage in Fullerton is $1,480 each year, which is $93 over the median car insurance rate in California ($1,387 per year) and $215 higher than the national average rate ($1,265 per year). The rates quoted are for a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per incident. Location is one of many factors that affect the cost of car insurance.
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