Compare the Cheapest Car Insurance Quotes in Fullerton, CA

Car insurance in Fullerton costs an average of $1,507 annually, 5.5% more than the state average. Esurance policyholders pay the cheapest rates in the area at an average of $1,052 yearly. For drivers who want options, MoneyGeek analyzed varying coverage levels and driver profiles. MoneyGeek also analyzed the best car insurance companies in Fullerton for drivers who want a balance of affordability and service.

Compare Auto Insurance Rates

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin
Last Updated: 5/16/2022
Advertising & Editorial Disclosure
By     |  

Car insurance rates can change based on your driving profile and coverage needs. In Fullerton, the most affordable full coverage car insurance provider overall and for drivers with a speeding ticket is Esurance. Progressive offers the most affordable state minimum policies, while USAA is an affordable option for military personnel. Auto Club of Southern California Insurance Group is MoneyGeek’s best-rated car insurance provider in Fullerton for balancing cost and customer service.

iconribbonbestauto insuranceFullerton2022

The Cheapest and Best Car Insurance in Fullerton

The Cheapest Car Insurance Companies in Fullerton

A full coverage car insurance policy offers you financial protection in most circumstances, as it includes liability, comprehensive and collision coverages. MoneyGeek’s research shows these insurers offer the cheapest full coverage insurance policies for an average driver in Fullerton:

  • Esurance: $1,052 per year
  • Progressive: $1,222 per year

Further, our study found that Esurance, the city’s most affordable insurance provider, is 88% cheaper than Allied, the city’s most expensive insurer with a yearly premium of $1,980.

Military personnel, veterans and their families may be eligible for insurance through USAA and enjoy a more affordable premium of $1,183 per year on average.

Cheapest Car Insurance in Fullerton
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $1,052
  • 2.
    USAA
    $1,183
  • 3.
    Progressive
    $1,222
  • 4.
    GEICO
    $1,333
  • 5.
    AAA
    $1,352
  • 6.
    Allstate
    $1,404
  • 7.
    Mercury
    $1,496
  • 8.
    MetLife
    $1,517
  • 9.
    State Farm
    $1,607
  • 10.
    Farmers
    $1,690
  • 11.
    Hartford
    $1,714
  • 12.
    Travelers
    $1,721
  • 13.
    Allied
    $1,980

The car insurance quotes in this study are for a 40-year-old male driver in Fullerton with a full coverage policy based on MoneyGeek’s methodology.

A full coverage auto insurance policy combines comprehensive coverage, collision coverage and the state’s required coverages. It offers extensive financial protection in case of an accident, but it’s more costly than a minimum coverage policy.

  • Comprehensive Coverage: Pays for losses incurred due to weather events, theft, falling objects and other damage not caused by a collision.
  • Collision Coverage: Pays for vehicle repairs if you’re in an accident.

If you have an older vehicle, consider that a full coverage insurance policy can be more expensive than your car’s actual worth. In this case, a liability-only or state minimum insurance policy is recommended to obtain the cheapest rates possible.

Compare Car Insurance Rates in Fullerton

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

widget-location-pin
Insurance Rates

Cheapest Car Insurance in Fullerton for Minimum Coverage

The cheapest car insurance is a state minimum policy. However, liability-only insurance doesn't include comprehensive and collision coverage, and exposes the driver to greater financial risks in case of an accident. Still, it is significantly cheaper than most other car insurance.

MoneyGeek’s research found that the following insurance companies offer the most affordable minimum coverage policies in Fullerton:

  • Progressive: $529 per year
  • GEICO: $575 per year

USAA presents the cheapest state minimum policies in Fullerton for eligible military personnel and their family members at an average of $499 annually. That premium is $426 less than Allied, the city’s most expensive state minimum provider at $925 per year, and with Progressive, you’ll save $396.

To see how costs change depending on liability coverage, toggle the table below.

Cheapest Minimum Liability Car Insurance in Fullerton
State Minimum

Drivers in California are required by the state to have a minimum coverage policy of 15/30/5, which includes personal injury protection, property protection insurance and liability insurance.

Since a minimum coverage policy is the cheapest car insurance in Fullerton, buying one will cause savings on your monthly premiums. However, you may end up paying more out of pocket in case you figure in an accident.

In California, liability insurance only covers $15,000 for bodily injuries per person. This means if you’re at fault in a collision and the other party’s medical expenses reach $30,000, you’ll have to pay $15,000 by yourself.

California Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Fullerton if You Have Driving Violations

You can expect your insurance rates to go up after acquiring a speeding ticket, DUI, or an at-fault accident. You can still seek to improve your driving history and get your rates lowered, but that takes time.

Meanwhile, your best option to find optimal deals is to compare quotes from various providers. MoneyGeek ranked Fullerton’s cheapest car insurance providers for drivers with a bad record:

  • Cheapest after a ticket: Esurance, $1,332 per year a
  • Cheapest after an at-fault accident: Esurance, $1,649 per year
  • Cheapest after a DUI: Mercury, $2,450 per year

Military personnel and their families may be eligible for a USAA policy, which has the most affordable car insurance rates in Fullerton for drivers with a speeding ticket.

Cheapest Car Insurance in Fullerton With a Violation
Speeding Ticket

Average Cost of Car Insurance in Fullerton

Fullerton$1,507
California$1,429
U.S.$1,424

Car insurance is legally required by most states to protect drivers and third parties in the event of an accident. This is why drivers should consider the average cost of car insurance and factor that into their budget before buying a car.

The average car insurance rates in Fullerton stand at $1,507 per year. This is 5.5% higher than the California state average and 5.8% higher than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Fullerton

Annual premiums are determined based on a number of factors, which is why drivers should compare car insurance quotes in Fullerton regularly. From age and marital status to the driving record and car make and model, a driver’s situation can affect their premiums positively or negatively. Some drivers may even qualify to receive discounts, rebates or other savings.

Compare Car Insurance Rates in Fullerton

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

widget-location-pin
Insurance Rates

The Best Car Insurance Companies in Fullerton

MoneyGeek evaluated the best car insurance providers in Fullerton to help you find one that balances quality customer service with affordability.

Our study shows that the best car insurance companies in the city are:

  • Auto Club of Southern California Insurance Group: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

Based on MoneyGeek’s rating system, USAA gained the highest scores. But because it’s only available to military members, veterans and their families, USAA isn’t named the best provider in Fullerton.

To determine the final scores out of 100, MoneyGeek used several factors, including J.D. Power ratings for customer satisfaction, affordability and insurer financial stability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Average Cost of Car Insurance by Postal Code

The average rates of car insurance in California can change based on location. Beyond just the city, a driver’s postal code is also considered. A driver’s ZIP code can impact their annual premiums, as certain neighborhoods may be more prone to accidents, have a higher statistic for theft or have many reports of vandalism.

In Fullerton, a driver’s ZIP code can affect their annual rates by up to $170 per year. Drivers residing in ZIP code 92831 pay an average of $1,422 annually, while those residing in 92833 pay roughly $1,592 annually.

  • Zip Code
    State Minimumper year
  • 92831
    $1,422
  • 92833
    $1,592

Factors That Impact Insurance Costs in Fullerton

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Fullerton. How Fullerton ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities223rd/300
handcuffs2 icon
Most Car Thefts210th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall247th/300
umbrella icon
Most Rainy Days260th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Fullerton are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


sources