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

MoneyGeek's analysis of the latest 2023 car insurance quotes found that GEICO provides the cheapest minimum coverage policies in Fullerton, CA, as well as the best combination of affordability and quality service.

Compare Rates and Save on Car Insurance

By Mark Fitzpatrick, Content Director

Updated: Sep 26, 2023

Edited by

Margarita Barresi

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 + BestCar InsuranceFullerton

2023

Cheapest and Best Car Insurance in Fullerton

Cheapest Overall - GEICO

Cheapest Full Coverage - National General

Cheapest After Driving Offense - National General

Cheapest for Teens - Farmers

Cheapest for Military - USAA

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

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.

Age Group

Coverage

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.

Age Group

Coverage

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.

Age Group

Coverage

Incident

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.

Age

Gender

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.

Age Group

Coverage

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.

State

California

Gender

Female

Age

30-65

Driving Record

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.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

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.

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.

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.

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 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.

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

On This Page:

Cheapest Minimum Liability Car Insurance in Fullerton

Cheapest Full Coverage Car Insurance in Fullerton

Cheapest Car Insurance in Fullerton After a Driving Offense

Cheapest Car Insurance in Fullerton for Teens and Their Families

Cheapest Car Insurance in Fullerton for Military Drivers

How to Compare Cheap Fullerton Car Insurance Quotes Online

Best Car Insurance in Fullerton: Summary

Best Overall Car Insurance in Fullerton

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Fullerton for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance Companies in Fullerton

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Fullerton