GEICO offers Orange's lowest car insurance rates with annual premiums of $509 for minimum coverage and $1,139 for full coverage. Other affordable insurers in the city include Progressive, AAA and State Farm.
Car Insurance in Orange
Updated: November 7, 2025
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Key Takeaways
Orange's cheapest car insurance companies are GEICO, Progressive and AAA, with savings up to 38% compared to the city average.
In Orange, monthly car insurance costs average $146 for full coverage and $70 for minimum coverage.
To get the best cheap auto insurance in Orange, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Orange?
| Geico | $42 | $95 | -38% |
| Progressive | $52 | $99 | -31% |
| AAA | $54 | $120 | -21% |
| State Farm | $63 | $137 | -10% |
| Wawanesa Insurance | $70 | $137 | -7% |
Compare the Cheapest Orange Car Insurance for You
Your car insurance rates depend heavily on your driving record and personal details. Check the table to find the most affordable insurance company for your specific driver profile.
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| AAA | $143 | $1,711 | -34% |
| State Farm | $143 | $1,714 | -34% |
| Progressive | $148 | $1,778 | -32% |
| Geico | $160 | $1,916 | -26% |
| Farmers | $193 | $2,314 | -11% |
Cheapest Car Insurance by Age Group in Orange
Car insurance prices depend on age, so we've split drivers into three categories: 16 to 25 (young), 26 to 64 (adults) and 65+ (seniors).Â
- Cheapest Car Insurance for Young Drivers: GEICO (from $86 per month)
- Most Affordable Car Insurance for Adults: GEICO (from $42 per month)
- Cheapest Car Insurance for Seniors is GEICO (from $46 per month)
Cheapest Car Insurance for Young Drivers in Orange
GEICO and State Farm provide the most affordable car insurance for drivers aged 16 to 25, with monthly rates starting at $86 and $89.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| Geico | $86 | $1,033 | -34% |
| State Farm | $89 | $1,073 | -32% |
| Wawanesa Insurance | $97 | $1,167 | -26% |
| Farmers | $99 | $1,192 | -24% |
| Progressive | $114 | $1,367 | -13% |
Cheapest Car Insurance for Adult Drivers in Orange
GEICO gives the lowest rates for adult drivers (26 to 64), saving drivers around 40% on average. Progressive and AAA are also affordable for this age group.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| Geico | $42 | $509 | -41% |
| Progressive | $52 | $629 | -27% |
| AAA | $54 | $649 | -25% |
| State Farm | $63 | $755 | -12% |
| Wawanesa Insurance | $70 | $835 | -3% |
Cheapest Car Insurance for Senior Drivers in Orange
Geico provides the lowest rates for seniors. Minimum coverage costs $46 monthly ($553 annually), while full coverage is $101 per month ($1,218 per year).
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| Geico | $46 | $553 | -45% |
| State Farm | $54 | $644 | -36% |
| Progressive | $67 | $801 | -21% |
| Farmers | $69 | $824 | -18% |
| AAA | $72 | $864 | -14% |
Cheapest Car Insurance for High-Risk Drivers in Orange
High-risk drivers in Orange can find affordable car insurance rates with these providers:
- Cheapest With a DUI: GEICO (from $102 per month)
- Most Affordable With an Accident: GEICO (from $75 per month)
- Most Affordable With a Speeding Ticket: GEICO (from $64 per month)
Cheapest Car Insurance With a DUI in Orange
GEICO is the cheapest if you have a DUI. You can save up to 45% on minimum coverage and 41% on full coverage.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| Geico | $102 | $1,221 | -41% |
| Progressive | $118 | $1,412 | -32% |
| Farmers | $119 | $1,424 | -31% |
| Mercury Insurance | $127 | $1,524 | -26% |
| Auto Owners | $135 | $1,623 | -21% |
Cheapest Car Insurance With an Accident in Orange
If you have an accident record, you can find the lowest rates with GEICO at $75 monthly. This is about 33% less than the city's average premium.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| Geico | $75 | $903 | -34% |
| AAA | $79 | $943 | -31% |
| Progressive | $85 | $1,024 | -25% |
| Auto Owners | $90 | $1,081 | -21% |
| Farmers | $95 | $1,140 | -17% |
Cheapest Car Insurance With a Speeding Ticket in Orange
GEICO is the cheapest provider if you have a speeding ticket. Its minimum liability coverage costs $64 per month, while full coverage with 100/300/100 limits costs $140 per month.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| Geico | $64 | $762 | -40% |
| AAA | $73 | $872 | -31% |
| Progressive | $78 | $932 | -26% |
| Auto Owners | $86 | $1,038 | -18% |
| State Farm | $94 | $1,124 | -11% |
Best Car Insurance Companies in Orange
Orange's top-rated car insurers are Progressive, GEICO, AAA and State Farm. These providers offer competitive rates, reliable customer service and comprehensive coverage.
| 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 |
Progressive: Best Overall Coverage
pros
Strong coverage options
Good customer service
Competitive rates across driver types
cons
Not the cheapest
Limited military discounts
COMPANY HIGHLIGHTS
Progressive ranks first in Orange with strong performance across all categories. It offers extensive coverage and strong customer service. It provides customization options and add-on coverages.
GEICO: Best for Affordable Rates
pros
Lowest rates in Orange
Many driver discounts available
Multiple coverage options
cons
Basic coverage selections
Lower customer service scores
COMPANY HIGHLIGHTS
GEICO offers the most affordable car insurance in Orange. GEICO ranks first for affordability while providing solid coverage options. GEICO works especially well for multiple driver categories, including seniors, young drivers and those with driving incidents. Their rates consistently beat the Orange average, though their customer service ratings fall below some competitors.
How Much Is Car Insurance in Orange?
In Orange, minimum coverage costs about $70 per month or $843 per year, ranking 1,086th out of all California cities for affordability. Full coverage averages $146 monthly or $1,752 annually, ranking 1,056th among California cities.
| Full Coverage | $146 | $1,752 |
| Minimum Coverage | $70 | $843 |
Compare Personalized Orange Car Insurance Costs
Filter the table to see Orange car insurance rates that match your age, driving record and other key factors that insurers use to set premiums.
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| $202 | $2,429 | 6% |
Orange Car Insurance Costs by ZIP Code
In Orange, car insurance rates by ZIP code range from $61 to $172 monthly. ZIP code 92867 is the most expensive, while 92866 is the cheapest. Check the average rates for your ZIP code:
Data filtered by:
92862
| 92862 | $63 | $136 |
How to Get the Best Cheap Orange Car Insurance
Finding affordable car insurance in Orange isn't easy with the area's high rates and complex coverage options. Our step-by-step guide helps you navigate the choices and find the best rates for your needs.cal
- 1Calculate your coverage requirements
Use our car insurance coverage needs calculator in which you include your car's value, your assets and your risk tolerance. This lets you compare policies.
- 2Explore alternative insurance options
Beyond standard types of car insurance, consider ways to save money. You can choose pay-per-mile coverage if you don't drive often. If you don't own a car, consider non-owner policies.
- 3Know what others pay
Research average vehicle insurance costs to find rates for your age group, vehicle type and location.
- 4Stack your savings with discounts
Maximize your savings through multiple car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts.
- 5Check company ratings and reviews
Research potential insurers' financial strength and customer satisfaction ratings. Read recent reviews from Orange residents about claims experiences and customer service.
- 6Get quotes from multiple providers
Contact at least three different insurance companies for quotes.
- 7Review your policy annually
Mark your calendar to review your coverage each year before renewal.
Cheapest Car Insurance in Orange: Bottom Line
Car insurance rates depend on your age, driving history and vehicle type. In Orange, GEICO and Progressive consistently offer the lowest average premiums across driver profiles, but compare quotes from multiple providers to find your best rate.
Cheap Orange Car Insurance: FAQ
We answer questions about affordable car insurance in Orange.
What is the cheapest car insurance company in Orange, California?
GEICO offers the most affordable rates in Orange at $509 annually for minimum coverage and $1,139 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Orange?
Progressive offers Orange's best car insurance with a MoneyGeek score of 92 out of 100, five points higher than GEICO. Progressive delivers excellent value through competitive rates and quality service.
What is the average cost of car insurance in Orange?
In Orange, California, drivers pay $1,752 per year for full coverage and $843 for minimum coverage. Actual rates vary based on individual factors.
Is car insurance in Orange expensive?
Car insurance in Orange costs more than average, ranking 1,086th for minimum coverage affordability and 1,056th for full coverage among California cities.
How We Chose the Best and Cheapest Car Insurance in Orange, CA
Orange drivers pay above-average rates, ranking over 1,000th among California cities for both minimum and full coverage affordability, due to dense traffic, elevated property crime in Orange County, and a higher frequency of accidents. We built this analysis to identify companies that balance competitive pricing with strong customer service and comprehensive coverage for Orange's specific insurance environment.
We examined how insurers price coverage across all Orange ZIP codes, where rates range from $61 to $172 monthly. Orange's location in Orange County affects rates differently than coastal or inland California cities, so we evaluated how companies adjust premiums for local accident rates, theft statistics, and weather patterns. We also analyzed rate variations by driver profile, since Orange's diverse population includes young drivers, seniors, and high-risk drivers who each face different pricing.
We used a 40-year-old male driver with good credit, insuring a 2012 Toyota Camry LE with a clean driving record, 12,000 annual miles, a valid license, and no claims history as our baseline. We adjusted factors like age, driving record, credit score, and military affiliation to find the most suitable insurance companies for specific driver profiles.
We analyzed both California's minimum requirements ($30,000/$60,000/$25,000 liability) and full coverage ($100,000/$300,000/$100,000 liability with comprehensive and collision at $1,000 deductibles) to show the complete cost picture for Orange drivers. Minimum coverage satisfies legal requirements but leaves you financially exposed after serious accidents in a county where medical costs and vehicle values run high, while full coverage provides stronger financial protection when you cause an accident or your car gets damaged, stolen, or totaled.
We scored companies on affordability (60%), customer experience from sources like Google reviews, J.D. Power, AM Best, and Reddit (30%), and coverage options, including unique offerings and included benefits (10%). This methodology identifies insurers offering genuine value for Orange drivers, combining competitive rates with reliable claims service in a city where above-average premiums make finding the right insurer even more critical.
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.