Updated: December 15, 2025
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GEICO: Most affordable for diverse driver types at $42 monthly for minimum coverage and $94 for full coverage. Drivers save 19% compared to Orange's average rates.
Progressive: Runner-up for affordability with $52 minimum and $99 full coverage monthly rates. It's competitive for drivers with a DUI seeking reasonable premiums.
AAA: Affordable for drivers with an accident and drivers with a speeding ticket.
Cheapest by Coverage and Driver Profile in Orange:
For full coverage in Orange, GEICO costs $94 monthly while Progressive follows at $99, both delivering 38% and 31% savings, respectively, compared to the city average. When it comes to minimum coverage, GEICO maintains its position as the most affordable option at $42 per month.
| Geico | $42 | $95 | -38% |
| Progressive | $52 | $99 | -31% |
| AAA | $54 | $120 | -21% |
| State Farm | $63 | $137 | -10% |
| Wawanesa Insurance | $70 | $137 | -7% |
Not in Orange? Read more about the cheapest car insurance in California or the best car insurance in California.
GEICO is the most affordable option, with rates of $178 per month. Wawanesa follows at $190 per month, while State Farm rounds out the top three at $191 per month. Two strategies can reduce these costs: keeping young drivers on a parent's existing policy and completing a defensive driving course.
| Geico | $179 | $2,145 | -33% |
| Wawanesa Insurance | $190 | $2,284 | -29% |
| State Farm | $192 | $2,300 | -28% |
| Progressive | $216 | $2,597 | -19% |
| AAA | $221 | $2,650 | -17% |
GEICO costs $101 monthly for full coverage, followed by State Farm at $118 and Progressive at $120. Completing a defensive driving course saves up to 10% for three years, and most insurers provide accident forgiveness programs for drivers 65 and older. State Farm offers additional age-specific discounts.
| Geico | $101 | $1,218 | -39% |
| State Farm | $118 | $1,419 | -29% |
| Progressive | $121 | $1,452 | -28% |
| Wawanesa Insurance | $137 | $1,647 | -18% |
| AAA | $139 | $1,664 | -17% |
Traffic violations will increase your insurance rates. If you've been in an at-fault accident, GEICO offers the most affordable coverage at $75 monthly for minimum coverage, with AAA close behind at $78 monthly.
For drivers with a DUI, GEICO provides the cheapest rates at $101 monthly, while Progressive comes in second at $117 monthly. If you have a speeding ticket, GEICO offers affordable monthly rates of $63, followed by AAA at $72 per month.
| At-Fault Accident | Geico | $75 | -34% |
| At-Fault Accident | AAA | $79 | -31% |
| DUI | Geico | $102 | -41% |
| DUI | Progressive | $118 | -32% |
| Speeding Ticket | Geico | $64 | -40% |
| Speeding Ticket | AAA | $73 | -31% |
The priciest area, 92867, costs $172 monthly for full coverage, while residents in 92866 pay just $131. That's a $41 gap between neighborhoods in the same city. Your exact ZIP code matters because insurers analyze crime statistics, accident rates and traffic patterns to set rates.
| 92867 | $172 |
| 92865 | $166 |
| 92868 | $140 |
| 92862 | $136 |
| 92869 | $132 |
| 92866 | $131 |
| 92866 | $131 |
| 92869 | $132 |
| 92862 | $136 |
| 92868 | $140 |
| 92865 | $166 |
| 92867 | $172 |
Progressive takes the top spot in Orange with a MoneyGeek score of 91 out of 100. This insurer delivers a balance of affordable premiums and comprehensive coverage options, making it a smart choice for most drivers. GEICO, AAA, State Farm and Auto-Owners round out the top five options worth considering.
| Progressive | 92 | 2 | 3 | 2 |
| Geico | 87 | 1 | 7 | 7 |
| AAA | 83 | 3 | 5 | 7 |
| State Farm | 80 | 4 | 4 | 7 |
| Auto Owners | 80 | 8 | 1 | 6 |
Snapshot program rewards safe driving habits
Comprehensive coverage options for diverse needs
Specializes in high-risk driver insurance
Quotes are higher than competing insurers
Slow claims processing with communication gaps
Expensive add-on coverage options increase premiums
Progressive ranks first in Orange for comprehensive coverage that addresses local weather risks and competitive rates for drivers with violations. Its comprehensive coverage handles flood damage common in Orange.
Most affordable rates across all driver types
Comprehensive mobile app with voice assistant features
Unique mechanical breakdown insurance coverage option
No gap insurance for leased vehicles
Lowest customer experience ranking among competitors
No local agents for face-to-face service
GEICO ranks first in Orange for affordability and comprehensive digital service, offering the lowest rates for drivers with accidents, speeding tickets, and DUI violations across all age groups. The company's efficient mobile app and 24/7 customer service provide easy policy management.
Orange drivers deal with high insurance costs, but securing affordable coverage is totally manageable with the right approach.
Combine auto with home or renters insurance for 15% to 25% savings. Stack on multi-car discounts (10% to 25% per vehicle) plus good driver and payment discounts. Total potential savings can reach 30% to 40%.
Increasing your deductible from $500 to $1,000 typically reduces premiums by 10-15% annually.
Insurance companies regularly adjust their rates based on Orange's changing risk factors and claims data. Your driving record also improves after three years.
Our experts break down NEXT's policies and pricing to help Orange residents secure affordable coverage that fits their needs.
Orange car insurance runs about $146 monthly for full coverage. That's relatively affordable compared to other California cities. While Granada Hills hits $243 per month and Weed costs just $47 monthly, Orange falls comfortably in the middle range for the state.
Finding affordable car insurance in Orange starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and California’s insurance requirements all shape your premium.
We partnered with the California Department of Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Orange ZIP code.
Our ratings for the best car insurance in Orange are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across Orange neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
