Compare Rates and Save on Auto Insurance

widget-location-pin

Cheapest and Best Car Insurance in Fullerton, CA (2023)


Compare Rates and Save on Car Insurance

Enter Your Zip Code

widget-location-pin
Shield

Free. Simple. Secure.

Updated: Sep 26, 2023
Content was edited
Edited by

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.

MoneyGeek Logo IconCheapest + BestCar InsuranceFullerton
2023

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.

Company
Annual Premium
Monthly Premium

GEICO

$463

$39

GEICO

$469

$39

State Farm

$494

$41

Progressive

$524

$44

Progressive

$534

$44

AAA California

$553

$46

GEICO

$554

$46

Mercury

$562

$47

Mercury

$577

$48

AAA California

$581

$48

Travelers

$619

$52

Travelers

$619

$52

Kemper

$620

$52

Progressive

$626

$52

State Farm

$652

$54

Nationwide

$664

$55

Capital Insurance Group

$668

$56

National General

$684

$57

Hartford

$686

$57

Farmers

$688

$57

Nationwide

$690

$57

Capital Insurance Group

$693

$58

AAA California

$704

$59

National General

$705

$59

Travelers

$707

$59

Farmers

$707

$59

Mercury

$709

$59

Allstate

$710

$59

Kemper

$714

$59

Allstate

$718

$60

State National

$738

$62

State Farm

$746

$62

State National

$761

$63

Allstate

$773

$64

Capital Insurance Group

$777

$65

Hartford

$791

$66

Farmers

$803

$67

National General

$846

$71

Nationwide

$872

$73

State National

$901

$75

Chubb

$935

$78

Kemper

$948

$79

Chubb

$965

$80

Hartford

$1,040

$87

State Farm

$1,126

$94

GEICO

$1,140

$95

National General

$1,149

$96

National General

$1,166

$97

GEICO

$1,176

$98

Progressive

$1,188

$99

Progressive

$1,192

$99

Allstate

$1,232

$103

AAA California

$1,249

$104

AAA California

$1,251

$104

Mercury

$1,286

$107

Allstate

$1,292

$108

Mercury

$1,307

$109

Chubb

$1,353

$113

GEICO

$1,361

$113

Capital Insurance Group

$1,393

$116

National General

$1,396

$116

Allstate

$1,430

$119

Progressive

$1,433

$119

Nationwide

$1,438

$120

State Farm

$1,447

$121

Hartford

$1,453

$121

Capital Insurance Group

$1,476

$123

Travelers

$1,540

$128

Nationwide

$1,555

$130

State National

$1,594

$133

Travelers

$1,599

$133

Kemper

$1,633

$136

AAA California

$1,644

$137

Capital Insurance Group

$1,663

$139

Hartford

$1,680

$140

State Farm

$1,688

$141

Mercury

$1,694

$141

State National

$1,709

$142

Farmers

$1,734

$144

Farmers

$1,772

$148

Travelers

$1,899

$158

Kemper

$2,006

$167

Nationwide

$2,024

$169

Farmers

$2,099

$175

State National

$2,103

$175

Chubb

$2,193

$183

Hartford

$2,203

$184

Chubb

$2,265

$189

Kemper

$2,445

$204

Chubb

$3,240

$270

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.

Company
Annual Premium
Monthly Premium

GEICO

$463

$39

GEICO

$469

$39

State Farm

$494

$41

Progressive

$524

$44

Progressive

$534

$44

AAA California

$553

$46

GEICO

$554

$46

Mercury

$562

$47

Mercury

$577

$48

AAA California

$581

$48

Travelers

$619

$52

Travelers

$619

$52

Kemper

$620

$52

Progressive

$626

$52

State Farm

$652

$54

Nationwide

$664

$55

Capital Insurance Group

$668

$56

National General

$684

$57

Hartford

$686

$57

Farmers

$688

$57

Nationwide

$690

$57

Capital Insurance Group

$693

$58

AAA California

$704

$59

National General

$705

$59

Travelers

$707

$59

Farmers

$707

$59

Mercury

$709

$59

Allstate

$710

$59

Kemper

$714

$59

Allstate

$718

$60

State National

$738

$62

State Farm

$746

$62

State National

$761

$63

Allstate

$773

$64

Capital Insurance Group

$777

$65

Hartford

$791

$66

Farmers

$803

$67

National General

$846

$71

Nationwide

$872

$73

State National

$901

$75

Chubb

$935

$78

Kemper

$948

$79

Chubb

$965

$80

Hartford

$1,040

$87

State Farm

$1,126

$94

GEICO

$1,140

$95

National General

$1,149

$96

National General

$1,166

$97

GEICO

$1,176

$98

Progressive

$1,188

$99

Progressive

$1,192

$99

Allstate

$1,232

$103

AAA California

$1,249

$104

AAA California

$1,251

$104

Mercury

$1,286

$107

Allstate

$1,292

$108

Mercury

$1,307

$109

Chubb

$1,353

$113

GEICO

$1,361

$113

Capital Insurance Group

$1,393

$116

National General

$1,396

$116

Allstate

$1,430

$119

Progressive

$1,433

$119

Nationwide

$1,438

$120

State Farm

$1,447

$121

Hartford

$1,453

$121

Capital Insurance Group

$1,476

$123

Travelers

$1,540

$128

Nationwide

$1,555

$130

State National

$1,594

$133

Travelers

$1,599

$133

Kemper

$1,633

$136

AAA California

$1,644

$137

Capital Insurance Group

$1,663

$139

Hartford

$1,680

$140

State Farm

$1,688

$141

Mercury

$1,694

$141

State National

$1,709

$142

Farmers

$1,734

$144

Farmers

$1,772

$148

Travelers

$1,899

$158

Kemper

$2,006

$167

Nationwide

$2,024

$169

Farmers

$2,099

$175

State National

$2,103

$175

Chubb

$2,193

$183

Hartford

$2,203

$184

Chubb

$2,265

$189

Kemper

$2,445

$204

Chubb

$3,240

$270

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.

Company
Annual Premium
Monthly Premium

GEICO

$708

$59

GEICO

$715

$60

National General

$722

$60

National General

$722

$60

Mercury

$726

$61

AAA California

$738

$61

Capital Insurance Group

$742

$62

National General

$745

$62

National General

$745

$62

Mercury

$745

$62

State Farm

$751

$63

Capital Insurance Group

$769

$64

AAA California

$775

$65

Capital Insurance Group

$776

$65

State Farm

$785

$65

Capital Insurance Group

$805

$67

Kemper

$824

$69

GEICO

$829

$69

GEICO

$839

$70

GEICO

$845

$70

Capital Insurance Group

$864

$72

AAA California

$882

$73

National General

$894

$75

National General

$894

$75

Capital Insurance Group

$904

$75

Mercury

$908

$76

Mercury

$919

$77

AAA California

$927

$77

Mercury

$933

$78

Farmers

$938

$78

Farmers

$938

$78

AAA California

$944

$79

Progressive

$948

$79

Kemper

$951

$79

Travelers

$961

$80

Travelers

$962

$80

Farmers

$965

$80

Farmers

$965

$80

Progressive

$967

$81

GEICO

$990

$82

State Farm

$992

$83

Allstate

$998

$83

Hartford

$1,001

$83

Hartford

$1,001

$83

Allstate

$1,010

$84

Mercury

$1,012

$84

National General

$1,029

$86

Nationwide

$1,030

$86

State Farm

$1,036

$86

Mercury

$1,038

$87

Progressive

$1,048

$87

State National

$1,049

$87

State National

$1,049

$87

National General

$1,062

$89

Progressive

$1,070

$89

Nationwide

$1,070

$89

Travelers

$1,075

$90

Travelers

$1,076

$90

State National

$1,083

$90

State National

$1,083

$90

Allstate

$1,092

$91

Farmers

$1,096

$91

Farmers

$1,096

$91

Travelers

$1,109

$92

AAA California

$1,130

$94

GEICO

$1,132

$94

State Farm

$1,133

$94

Progressive

$1,144

$95

GEICO

$1,144

$95

Progressive

$1,148

$96

Nationwide

$1,148

$96

Mercury

$1,150

$96

Allstate

$1,151

$96

Capital Insurance Group

$1,163

$97

Allstate

$1,167

$97

Hartford

$1,169

$97

Hartford

$1,169

$97

Farmers

$1,172

$98

Progressive

$1,177

$98

State Farm

$1,183

$99

Nationwide

$1,194

$99

Farmers

$1,205

$100

National General

$1,206

$101

National General

$1,206

$101

Capital Insurance Group

$1,207

$101

Chubb

$1,210

$101

National General

$1,225

$102

National General

$1,225

$102

Travelers

$1,239

$103

Chubb

$1,240

$103

Allstate

$1,263

$105

Kemper

$1,264

$105

Progressive

$1,267

$106

National General

$1,276

$106

Mercury

$1,283

$107

State National

$1,287

$107

State National

$1,287

$107

Travelers

$1,298

$108

Travelers

$1,298

$108

GEICO

$1,352

$113

Nationwide

$1,356

$113

Capital Insurance Group

$1,356

$113

Farmers

$1,369

$114

Progressive

$1,394

$116

Kemper

$1,403

$117

Kemper

$1,403

$117

National General

$1,466

$122

National General

$1,466

$122

Chubb

$1,477

$123

Travelers

$1,502

$125

Chubb

$1,507

$126

Nationwide

$1,514

$126

State Farm

$1,546

$129

Hartford

$1,568

$131

Hartford

$1,568

$131

Capital Insurance Group

$1,595

$133

AAA California

$1,616

$135

AAA California

$1,618

$135

Chubb

$1,628

$136

Capital Insurance Group

$1,635

$136

State Farm

$1,676

$140

Capital Insurance Group

$1,693

$141

Mercury

$1,695

$141

National General

$1,705

$142

Kemper

$1,705

$142

Kemper

$1,705

$142

GEICO

$1,711

$143

Mercury

$1,723

$144

National General

$1,731

$144

Capital Insurance Group

$1,736

$145

State Farm

$1,756

$146

GEICO

$1,765

$147

Allstate

$1,793

$149

Nationwide

$1,827

$152

Allstate

$1,884

$157

Chubb

$1,895

$158

Nationwide

$1,902

$158

AAA California

$1,907

$159

Capital Insurance Group

$1,910

$159

State National

$1,910

$159

AAA California

$1,914

$159

AAA California

$1,916

$160

GEICO

$1,922

$160

Chubb

$1,923

$160

Chubb

$1,951

$163

Capital Insurance Group

$1,960

$163

State National

$1,971

$164

GEICO

$1,979

$165

AAA California

$2,014

$168

State Farm

$2,043

$170

GEICO

$2,044

$170

National General

$2,076

$173

Allstate

$2,078

$173

Allstate

$2,093

$174

Allstate

$2,110

$176

Mercury

$2,121

$177

AAA California

$2,130

$177

Mercury

$2,155

$180

Kemper

$2,156

$180

Kemper

$2,156

$180

State Farm

$2,156

$180

Kemper

$2,170

$181

Hartford

$2,172

$181

Hartford

$2,172

$181

Allstate

$2,215

$185

Nationwide

$2,233

$186

Mercury

$2,239

$187

Progressive

$2,246

$187

State Farm

$2,258

$188

Progressive

$2,258

$188

State National

$2,272

$189

State National

$2,272

$189

Mercury

$2,287

$191

Allstate

$2,290

$191

GEICO

$2,295

$191

Mercury

$2,317

$193

State Farm

$2,333

$194

Allstate

$2,336

$195

Chubb

$2,340

$195

State National

$2,356

$196

Travelers

$2,367

$197

Farmers

$2,395

$200

Farmers

$2,395

$200

Nationwide

$2,415

$201

Nationwide

$2,420

$202

Hartford

$2,435

$203

State National

$2,436

$203

State National

$2,436

$203

Farmers

$2,450

$204

Farmers

$2,450

$204

Travelers

$2,452

$204

Progressive

$2,453

$204

AAA California

$2,462

$205

Progressive

$2,470

$206

Nationwide

$2,490

$207

Capital Insurance Group

$2,494

$208

AAA California

$2,512

$209

State Farm

$2,513

$209

Hartford

$2,524

$210

Hartford

$2,524

$210

Allstate

$2,606

$217

State Farm

$2,633

$219

Travelers

$2,646

$220

Capital Insurance Group

$2,650

$221

Kemper

$2,668

$222

Nationwide

$2,695

$225

Progressive

$2,725

$227

GEICO

$2,734

$228

Travelers

$2,736

$228

Progressive

$2,799

$233

Mercury

$2,800

$233

GEICO

$2,819

$235

Progressive

$2,822

$235

Hartford

$2,886

$240

Chubb

$2,889

$241

Farmers

$2,902

$242

Farmers

$2,902

$242

Travelers

$2,934

$244

Chubb

$2,959

$247

Progressive

$2,980

$248

Capital Insurance Group

$2,992

$249

Farmers

$2,994

$249

State National

$2,999

$250

State National

$2,999

$250

Mercury

$3,004

$250

Farmers

$3,062

$255

Nationwide

$3,155

$263

Kemper

$3,255

$271

GEICO

$3,267

$272

Travelers

$3,277

$273

Travelers

$3,291

$274

Hartford

$3,340

$278

Hartford

$3,340

$278

Progressive

$3,405

$284

Travelers

$3,414

$285

State Farm

$3,461

$288

Nationwide

$3,525

$294

Chubb

$3,555

$296

Kemper

$3,596

$300

Kemper

$3,596

$300

Chubb

$3,625

$302

Farmers

$3,628

$302

AAA California

$3,890

$324

AAA California

$3,904

$325

Allstate

$3,919

$327

Chubb

$3,934

$328

Hartford

$3,965

$330

Nationwide

$3,968

$331

Travelers

$4,113

$343

Allstate

$4,131

$344

State National

$4,242

$353

Nationwide

$4,299

$358

State Farm

$4,454

$371

Kemper

$4,548

$379

Kemper

$4,548

$379

State National

$4,555

$380

Chubb

$4,604

$384

Allstate

$4,607

$384

Chubb

$4,671

$389

Chubb

$4,741

$395

AAA California

$5,124

$427

State Farm

$5,192

$433

Hartford

$5,283

$440

Kemper

$5,404

$450

Kemper

$5,404

$450

State National

$5,626

$469

Nationwide

$5,640

$470

Chubb

$5,721

$477

Hartford

$6,197

$516

Hartford

$8,329

$694

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,510

$2,433

GEICO

$1,545

$2,491

GEICO

$1,548

$2,743

GEICO

$1,565

$2,617

GEICO

$1,583

$2,552

GEICO

$1,591

$2,820

GEICO

$1,614

$2,980

GEICO

$1,635

$2,897

GEICO

$1,792

$2,687

Capital Insurance Group

$1,843

$2,365

Capital Insurance Group

$1,843

$2,365

Progressive

$1,845

$2,957

Progressive

$1,845

$2,957

GEICO

$1,852

$3,069

Allstate

$1,913

$3,107

Allstate

$1,913

$3,107

Nationwide

$1,988

$4,131

Nationwide

$1,988

$4,131

Progressive

$1,997

$3,201

Progressive

$1,997

$3,201

Allstate

$2,003

$3,253

Allstate

$2,003

$3,253

Allstate

$2,054

$3,614

Allstate

$2,054

$3,614

Allstate

$2,075

$3,370

Allstate

$2,075

$3,370

Capital Insurance Group

$2,098

$2,801

Capital Insurance Group

$2,098

$2,801

Progressive

$2,137

$3,955

Progressive

$2,137

$3,955

Kemper

$2,137

$4,296

Kemper

$2,137

$4,296

Nationwide

$2,180

$4,529

Nationwide

$2,180

$4,529

Capital Insurance Group

$2,183

$2,801

Capital Insurance Group

$2,183

$2,801

Capital Insurance Group

$2,183

$2,801

Capital Insurance Group

$2,183

$2,801

Allstate

$2,201

$3,630

Allstate

$2,201

$3,630

Farmers

$2,216

$3,167

Farmers

$2,216

$3,167

Progressive

$2,238

$3,586

Progressive

$2,238

$3,586

Nationwide

$2,250

$5,180

Nationwide

$2,250

$5,180

Kemper

$2,257

$4,537

Kemper

$2,257

$4,537

State Farm

$2,278

$3,349

State Farm

$2,278

$3,349

Travelers

$2,303

$3,170

Travelers

$2,303

$3,170

GEICO

$2,307

$3,907

Nationwide

$2,337

$4,855

Nationwide

$2,337

$4,855

State Farm

$2,370

$3,484

State Farm

$2,370

$3,484

Kemper

$2,376

$5,334

Kemper

$2,376

$5,334

Travelers

$2,384

$3,281

Travelers

$2,384

$3,281

GEICO

$2,398

$4,506

State Farm

$2,411

$3,780

State Farm

$2,411

$3,780

State Farm

$2,425

$3,564

State Farm

$2,425

$3,564

Travelers

$2,432

$3,521

Travelers

$2,432

$3,521

Capital Insurance Group

$2,437

$3,151

Capital Insurance Group

$2,437

$3,151

Kemper

$2,455

$4,934

Kemper

$2,455

$4,934

Farmers

$2,481

$3,674

Farmers

$2,481

$3,674

Travelers

$2,484

$3,419

Travelers

$2,484

$3,419

GEICO

$2,524

$3,784

Allstate

$2,524

$4,627

Allstate

$2,524

$4,627

Capital Insurance Group

$2,527

$3,151

Capital Insurance Group

$2,527

$3,151

Allstate

$2,566

$4,232

Allstate

$2,566

$4,232

Farmers

$2,570

$3,674

Farmers

$2,570

$3,674

Farmers

$2,570

$3,674

Farmers

$2,570

$3,674

State Farm

$2,584

$3,853

State Farm

$2,584

$3,853

GEICO

$2,624

$4,349

Nationwide

$2,633

$5,678

Nationwide

$2,633

$5,678

Progressive

$2,650

$4,338

Progressive

$2,650

$4,338

Capital Insurance Group

$2,706

$3,499

Capital Insurance Group

$2,706

$3,499

Travelers

$2,713

$3,696

Travelers

$2,713

$3,696

State Farm

$2,743

$4,291

State Farm

$2,743

$4,291

Kemper

$2,751

$5,656

Kemper

$2,751

$5,656

State Farm

$2,768

$4,128

State Farm

$2,768

$4,128

Farmers

$2,775

$4,212

Farmers

$2,775

$4,212

Travelers

$2,945

$4,264

Travelers

$2,945

$4,264

Kemper

$2,980

$6,126

Kemper

$2,980

$6,126

Travelers

$2,990

$4,073

Travelers

$2,990

$4,073

Farmers

$3,000

$4,851

Farmers

$3,000

$4,851

Kemper

$3,006

$6,754

Kemper

$3,006

$6,754

Farmers

$3,028

$4,595

Farmers

$3,028

$4,595

State Farm

$3,048

$5,441

State Farm

$3,048

$5,441

Farmers

$3,158

$6,251

Farmers

$3,158

$6,251

GEICO

$3,187

$5,650

State Farm

$3,231

$5,769

State Farm

$3,231

$5,769

Farmers

$3,236

$6,538

Farmers

$3,236

$6,538

Nationwide

$3,245

$7,850

Nationwide

$3,245

$7,850

Farmers

$3,246

$6,424

Farmers

$3,246

$6,424

State Farm

$3,300

$6,464

State Farm

$3,300

$6,464

Progressive

$3,304

$6,140

Progressive

$3,304

$6,140

GEICO

$3,341

$6,567

Allstate

$3,368

$6,653

Allstate

$3,368

$6,653

GEICO

$3,417

$6,308

Nationwide

$3,461

$7,464

Nationwide

$3,461

$7,464

Capital Insurance Group

$3,473

$4,330

Capital Insurance Group

$3,473

$4,330

Capital Insurance Group

$3,473

$4,330

Capital Insurance Group

$3,473

$4,330

Capital Insurance Group

$3,473

$4,330

Capital Insurance Group

$3,473

$4,330

Allstate

$3,488

$7,009

Allstate

$3,488

$7,009

GEICO

$3,504

$6,212

Progressive

$3,512

$5,748

Progressive

$3,512

$5,748

Allstate

$3,548

$7,009

Allstate

$3,548

$7,009

GEICO

$3,602

$7,423

GEICO

$3,689

$7,251

Progressive

$3,813

$7,806

Progressive

$3,813

$7,806

Progressive

$3,838

$7,874

Progressive

$3,838

$7,874

Progressive

$3,853

$7,886

Progressive

$3,853

$7,886

Travelers

$3,935

$5,376

Travelers

$3,935

$5,376

Travelers

$4,111

$5,617

Travelers

$4,111

$5,617

Travelers

$4,120

$5,895

Travelers

$4,120

$5,895

Kemper

$4,534

$9,222

Kemper

$4,534

$9,222

Nationwide

$4,929

$10,613

Nationwide

$4,929

$10,613

Kemper

$4,967

$10,103

Kemper

$4,967

$10,103

Kemper

$5,013

$11,262

Kemper

$5,013

$11,262

Nationwide

$5,542

$11,933

Nationwide

$5,542

$11,933

Nationwide

$5,720

$14,402

Nationwide

$5,720

$14,402

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.

Company
Annual Premium
Monthly Premium

USAA

$455

$38

USAA

$455

$38

GEICO

$463

$39

GEICO

$469

$39

State Farm

$494

$41

Progressive

$524

$44

Progressive

$534

$44

USAA

$549

$46

AAA California

$553

$46

GEICO

$554

$46

Mercury

$562

$47

Mercury

$577

$48

AAA California

$581

$48

Travelers

$619

$52

Travelers

$619

$52

Kemper

$620

$52

Progressive

$626

$52

State Farm

$652

$54

Nationwide

$664

$55

Capital Insurance Group

$668

$56

National General

$684

$57

Hartford

$686

$57

Farmers

$688

$57

Nationwide

$690

$57

Capital Insurance Group

$693

$58

AAA California

$704

$59

National General

$705

$59

Travelers

$707

$59

Farmers

$707

$59

Mercury

$709

$59

Allstate

$710

$59

Kemper

$714

$59

Allstate

$718

$60

State National

$738

$62

State Farm

$746

$62

State National

$761

$63

Allstate

$773

$64

Capital Insurance Group

$777

$65

Hartford

$791

$66

Farmers

$803

$67

National General

$846

$71

Nationwide

$872

$73

State National

$901

$75

Chubb

$935

$78

Kemper

$948

$79

Chubb

$965

$80

USAA

$989

$82

USAA

$1,011

$84

Hartford

$1,040

$87

State Farm

$1,126

$94

GEICO

$1,140

$95

National General

$1,149

$96

National General

$1,166

$97

GEICO

$1,176

$98

Progressive

$1,188

$99

Progressive

$1,192

$99

USAA

$1,209

$101

Allstate

$1,232

$103

AAA California

$1,249

$104

AAA California

$1,251

$104

Mercury

$1,286

$107

Allstate

$1,292

$108

Mercury

$1,307

$109

Chubb

$1,353

$113

GEICO

$1,361

$113

Capital Insurance Group

$1,393

$116

National General

$1,396

$116

Allstate

$1,430

$119

Progressive

$1,433

$119

Nationwide

$1,438

$120

State Farm

$1,447

$121

Hartford

$1,453

$121

Capital Insurance Group

$1,476

$123

Travelers

$1,540

$128

Nationwide

$1,555

$130

State National

$1,594

$133

Travelers

$1,599

$133

Kemper

$1,633

$136

AAA California

$1,644

$137

Capital Insurance Group

$1,663

$139

Hartford

$1,680

$140

State Farm

$1,688

$141

Mercury

$1,694

$141

State National

$1,709

$142

Farmers

$1,734

$144

Farmers

$1,772

$148

Travelers

$1,899

$158

Kemper

$2,006

$167

Nationwide

$2,024

$169

Farmers

$2,099

$175

State National

$2,103

$175

Chubb

$2,193

$183

Hartford

$2,203

$184

Chubb

$2,265

$189

Kemper

$2,445

$204

Chubb

$3,240

$270

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.

California
Female
30-65
Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

Progressive

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.

GEICO

pros

Ranks #2 for affordability

Strong customer satisfaction score

cons

Below-average claims management score

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's GEICO Auto Insurance Review

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.

Chubb

pros

Ranks #1 for claims management

Ranks #1 for customer satisfaction

cons

Limited add-on coverage option

COMPANY HIGHLIGHTS

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.

GEICO

pros

Offers various discounts for different driver profiles

Affordable at $469 per year

cons

Limited coverage options

COMPANY HIGHLIGHTS

​​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.

Read MoneyGeek's GEICO Auto Insurance Review

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.