Cheapest and Best Car Insurance in Fullerton, CA (July 2024)

In Fullerton, the most affordable full coverage option is Progressive, while Farmers offers the lowest rates for families with teens. These differ from the cheapest minimum coverage provider, Progressive. When it comes to customer service, Chubb stands out, although Capital Insurance Group provides the best balance between price and service. Your ideal pick will hinge on your coverage requirements and preferences.

MoneyGeek found that Progressive is the cheapest option in Fullerton for minimum coverage car insurance. Getting the cheapest car insurance can make a significant difference in your annual expenses. Here are the two most affordable providers:

• Progressive: $530 per year
• GEICO: $536 per year

The most expensive policy is offered by Chubb, costing $935 annually. This is a stark $404 difference from Progressive's quote, highlighting the importance of comparing rates to save money on car insurance.

Across all cities in California, including Fullerton, car insurance minimums are directed by state law. Here's a clear rundown of what's mandated:

• $15,000 bodily injury per person
  
• $30,000 bodily injury per accident
  
• $5,000 property damage liability per accident
  

If you carry the minimum coverage and incur bodily injury liability, the policy pays up to $15,000 for each person harmed, maxing out at $30,000 per accident. Should costs exceed these amounts, the remainder is your responsibility.

MoneyGeek found that Progressive is the cheapest option in Fullerton for drivers seeking the cheapest full coverage car insurance.

• Progressive: $1,226 per year
• GEICO: $1,347 per year

Farmers has the most expensive full coverage policy in Fullerton at $2,241 annually, illustrating the significance of comparing rates as there's a $1,015 difference between the cheapest and most expensive options. Full coverage policies cost more than minimum coverage because they provide comprehensive protection against a variety of incidents.

The standard Fullerton full coverage insurance expands liability coverage to impressive sums: $100,000 for bodily injury per individual, $300,000 for bodily injury per incident, and $100,000 for property damage per accident. Simply put, this coverage is known as a 100/300/100 plan.

With full coverage policies, policyholders benefit from the inclusion of both comprehensive and collision insurance:

• Collision Insurance: This feature covers the costs of repairing your own vehicle after a collision, whether with another car or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage. .

• Comprehensive Insurance: This coverage handles non-collision-related damage to your vehicle, such as theft or natural disasters and being struck by an animal like a deer.

Opting for full coverage insurance is highly advisable for new vehicles to protect against significant loss. For older models, the cost of additional premium payments might outweigh the potential benefits. The crucial consideration in deciding how much car insurance you require hinges on finding a balance between adequate protection and affordable premiums.

MoneyGeek found that National General is the cheapest option in Fullerton for drivers with a poor driving record seeking a full coverage policy. Their rates vary depending on the driving offense:

• Speeding Ticket: National General ($1,447 per year)
• At-fault Accident: Capital Insurance Group ($1,765 per year)
• DUI: National General ($1,447 per year)

Among the companies listed, Hartford has the most expensive rates for a DUI, Nationwide for a speeding ticket and Kemper for an accident. There is a considerable difference in annual premiums, illustrating how incidents impact car insurance costs.

In Fullerton and surrounding areas, insurance rates typically escalate with the severity of the driving infraction due to the increased risk perceived by insurance companies. For instance, drivers with a speeding ticket can expect to pay an average annual rate of approximately $2,357, while those with a DUI could see rates soar to an average of $3,954.

MoneyGeek found that Farmers offers the cheapest option in Fullerton for full coverage car insurance for male and female teens. To secure your teen's future on the road, look no further than the cheapest car insurance for teens.

• Farmers: $3,236 per year for female teens and $3,236 per year for male teens
• State Farm: $3,300 per year for female teens and $3,300 per year for male teens

These rates show the combined annual premium for a policy covering two parents and a teenage driver. The most expensive teen family policy in Fullerton is offered by Nationwide, with an annual premium of $5,720 for female teens. This demonstrates a significant $2,484 difference when compared to Farmers.

In Fullerton, like many other cities, teenage drivers face significantly higher insurance premiums when purchasing an individual policy. On average, an individual teen driver's annual premium is approximately $4,763, while being added to a family plan drops the average to about $3,977. The steep difference is attributed to teenagers being perceived as high-risk drivers due to their inexperience. Teens may also struggle to obtain individual policies, as insurers are wary of the heightened risk.

MoneyGeek found that Progressive is the cheapest option in Fullerton for those seeking the cheapest car insurance for military backgrounds.

• Progressive: $1,226 per year
• GEICO: $1,347 per year

While Progressive offers the lowest annual premium, it's important to note that USAA is also a competitive choice at $1,348 per year, standing third in the list. Although USAA's rates are slightly higher than the top two competitors, the company provides specialized services that cater to the unique needs of active-duty military members.

To find the best car insurance rates in Fullerton use Moneygeek's car insurance calculator. By inputting key details such as age, driving record, credit score and desired coverage level, this calculator swiftly generates accurate rate estimates.

Choosing the optimal auto insurance depends on your priorities regarding service, cost, coverage and other considerations. MoneyGeek's scoring system varies across categories to identify Fullerton's premier insurers tailored to different needs. Here are the leading companies:

• Best overall: Capital Insurance Group (MoneyGeek score 83 out of 100)
• Best for service: Chubb (MoneyGeek score 94 out of 100)
• Best cheap: Capital Insurance Group (MoneyGeek score 82 out of 100)

Capital Insurance Group emerges as Fullerton's choice for both overall value and affordability. For those prioritizing a premium customer experience, Chubb is the city's best provider for service. Capital Insurance Group is the best overall option if you're seeking the right balance between cost and quality,

MoneyGeek found that Capital Insurance Group is the best option in Fullerton for drivers seeking the best car insurance. For motorists prioritizing top-tier insurance, here are the two highest-scoring providers:

• Capital Insurance Group: MoneyGeek score of 83 out of 100 ($1,498 per year)
• Mercury: MoneyGeek score of 78 out of 100 ($1,372 per year)

Capital Insurance Group distinguishes itself primarily due to exceptional satisfaction and claims processing, the two principal factors contributing to its stellar MoneyGeek score for a full coverage policy.

MoneyGeek found that Chubb is the best option in Fullerton for car insurance focused on customer service. This is entirely based on the company's fulfillment in customer satisfaction, proficient claims handling and comprehensive coverages, without considering the rates.

• Chubb: MoneyGeek score of 94 out of 100 ($2193 per year)
• Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1498 per year)

Chubb stands out in Fullerton for its exceptional performance predominantly in claims satisfaction and coverage options.

MoneyGeek found that Capital Insurance Group is the best option for cheap car insurance in Fullerton, offering a coveted blend of value and quality service. With a MoneyGeek score that takes into account not just affordability but also claims processing efficiency and customer satisfaction, these top two insurers stand out as leaders in the field:

• Capital Insurance Group: MoneyGeek score of 82 out of 100 ($630 per year)
• Mercury: MoneyGeek score of 81 out of 100 ($547 per year)

Capital Insurance Group delivers the best overall value when considering its high satisfaction and claims scores. Capital Insurance Group offers competitive rates without sacrificing the quality of its service.

In Fullerton, California, car insurance costs on average $1,632 annually. This is higher than the overall average cost of car insurance in the state of California, which stands at $1,562. When comparing to the national average of $1,781 for car insurance, California's average rate is considerably lower by $219, highlighting significant regional differences within the United States insurance landscape.

Car insurance premiums are influenced by a multitude of factors; however, location plays a pivotal role. Risk assessments based on local theft rates, accident prevalence, and other location-specific criteria can lead to variations in insurance costs. According to MoneyGeek's data, the most expensive city for car insurance in California is Glendale, with premiums at $2,115, while Santa Maria boasts the cheapest rates at just $1,106, thus reflecting a $1,009 divide. This discrepancy showcases the impact of urban vs. rural environments, as areas with lower traffic density often have reduced rates.