Compare the Cheapest Car Insurance Quotes in Fullerton

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.

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The Cheapest and Best Car Insurance in Fullerton

The Cheapest Car Insurance Companies in Fullerton

On average, the companies offering the cheapest full coverage policies in Fullerton are:

  • Esurance: $1,052 per year
  • USAA: $1,183 per year (only available for current and former military members)

On average, Esurance policies are 88.2% cheaper than Allied, the most expensive option in the city. Allied’s full coverage policies cost $1,980 per year on average. To avoid paying hefty annual premiums, drivers need to compare quotes and find the best car insurance for their needs.

MoneyGeek gathered prices based on a sample profile of a 40-year-old male driver looking for a full coverage policy. This includes liability insurance and comprehensive and collision insurance, which protects the driver’s vehicle and third parties in case of an accident.

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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.

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The Best Car Insurance Companies in Fullerton

MoneyGeek ranked the best car insurance companies in Fullerton for drivers who want a balance of both affordability and great service. The top insurers are:

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

While USAA got a MoneyGeek score of 100 out of 100, they are only available for current and former military members.

MoneyGeek’s unique scoring system was based on J.D. Power user satisfaction, affordability and 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:88

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:88

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:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:83

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:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:78

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

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.

Shopping around for car insurance in Fullerton could save you $455, which is enough to buy:


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152Cups of Coffee
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35Months of Your Favorite Streaming Service

Cheapest Car Insurance in Fullerton by Coverage Amount

One of the biggest factors that can affect the cost of car insurance is the amount of coverage one gets. A policy that only follows state minimums costs an average of $729 per year, while a full coverage policy with higher liability limits costs $1,507. This is a difference of $799.

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.

The cheapest car insurance rates often come from state minimum liability-only policies. However, these only protect third parties. Consequently, drivers should consider a full coverage policy with 50/100/50 limits that include $100,000 in coverage for injuries in an accident with a $50,000 limit per person along with $50,000 in property damage limits. They also come with comprehensive and collision insurance.

A state minimum liability-only policy from Esurance costs $591 per average in Fullerton. Increasing the limits to 50/100/50 only costs $116 more.

Full coverage policies from Esurance with 100/300/100 limits cost an average of $1,052 per year, which is only $46 more than a 50/100/50 full coverage policy.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Fullerton if You Have Driving Violations

A clean driving record is a must to keep insurance premiums low. Drivers with clean records pay an average of $1,052 per year for a policy with Esurance, while those with one to two violations, such as speeding tickets, pay roughly $1,332. Drivers with an at-fault accident on their record pay roughly $597 more than those with a clean driving record.

Drivers with a DUI on their record have it worse, paying an average of $1,565 per year. It’s important to keep a clean driving record to avoid paying more in annual premiums.

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
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Most Annual Rainfall247th/300
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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.

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About the Author


expert-profile

The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers includes mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.


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