Updated: December 1, 2025
Advertising & Editorial Disclosure
GEICO offers the cheapest car insurance in Orange at $509 per year for minimum coverage and $1,139 per year for full coverage. Other insurers serving Orange include Progressive, State Farm and AAA.
Orange drivers pay an average of $843 per year for minimum coverage and $1,752 per year for full coverage.
GEICO also offers the cheapest car insurance in California at $465 per year for minimum coverage and $1,091 per year for full coverage.
GEICO delivers Orange's cheapest minimum coverage at $509 per year, 40% lower than the city average of $843. Full coverage costs $1,139 annually with GEICO compared to Orange's average of $1,752.
Progressive offers competitive pricing at $629 for minimum coverage and $1,190 for full coverage. GEICO's rates save Orange drivers approximately $28 monthly for minimum coverage versus typical city premiums.
| Geico | $42 | $95 | -38% |
| Progressive | $52 | $99 | -31% |
| AAA | $54 | $120 | -21% |
| State Farm | $63 | $137 | -10% |
| Wawanesa Insurance | $70 | $137 | -7% |
Adult drivers in Orange secure the lowest rates at $509 annually with GEICO. Senior drivers pay $553 per year with GEICO. Young drivers face costs of $1,033 annually with GEICO, roughly double adult rates.
GEICO beats everything else on price across all ages in Orange. Younger drivers pay way more because they crash more often and file pricier claims than experienced drivers.
GEICO and State Farm offer Orange's cheapest young driver rates at $86 and $89 monthly. Young drivers pay more because they lack experience and file more claims throughout Southern California. Both companies keep rates steadier than most competitors, making them solid choices for drivers aged 16 to 25.
| 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% |
Adults aged 26 to 64 pay about 40% less than the city average with GEICO. Progressive and AAA also offer good prices for drivers with clean records. These companies do well in Orange County because they reward mature driving histories and the area's suburban traffic patterns aren't as crazy as denser California cities.
| Geico | $42 | $509 | -41% |
| Progressive | $52 | $629 | -27% |
| AAA | $54 | $649 | -25% |
| State Farm | $63 | $755 | -12% |
| Wawanesa Insurance | $70 | $835 | -3% |
Orange seniors pay the least with GEICO at $46 monthly ($553 yearly) for minimum coverage and $101 monthly ($1,218 yearly) for full coverage. GEICO keeps senior rates steady while other companies swing wildly based on Orange County's repair costs and claim patterns.
| Geico | $46 | $553 | -45% |
| State Farm | $54 | $644 | -36% |
| Progressive | $67 | $801 | -21% |
| Farmers | $69 | $824 | -18% |
| AAA | $72 | $864 | -14% |
GEICO offers the cheapest rates for high-risk Orange drivers with DUIs, accidents or speeding tickets. The company stays competitive even after violations, which matters in an area where heavy traffic and expensive repairs usually spike your rates hard.
GEICO gives Orange DUI drivers the lowest rates starting at $102 monthly. You'll save up to 45% on minimum coverage and 41% on full coverage versus what most people pay citywide. GEICO handles high-risk drivers better than most, which helps when you're dealing with the huge rate hikes that come after a DUI.
| 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% |
At-fault accidents in Orange cost you less with GEICO at $75 monthly, about 33% below the city average. That's real savings in a market where accident surcharges hit hard because Orange County's busy roads see tons of crashes.
| Geico | $75 | $903 | -34% |
| AAA | $79 | $943 | -31% |
| Progressive | $85 | $1,024 | -25% |
| Auto Owners | $90 | $1,081 | -21% |
| Farmers | $95 | $1,140 | -17% |
Orange speeding tickets cost you less with GEICO at $64 monthly for minimum coverage. Full coverage with 100/300/100 limits runs about $140 monthly, one of the few decent options in Southern California after you get a ticket.
| Geico | $64 | $762 | -40% |
| AAA | $73 | $872 | -31% |
| Progressive | $78 | $932 | -26% |
| Auto Owners | $86 | $1,038 | -18% |
| State Farm | $94 | $1,124 | -11% |
Progressive takes the top spot in Orange with a MoneyGeek score of 92 for strong service and competitive rates. GEICO comes in second at 87 with the city's lowest premiums and fast claims handling.
Both companies are financially solid with reliable customer service. Progressive scores higher because it offers more overall value, while GEICO wins on price for Orange residents who want the cheapest rates possible.
| 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 |
Strong coverage options
Good customer service
Competitive rates across driver types
Not the cheapest
Limited military discounts
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.
Lowest rates in Orange
Many driver discounts available
Multiple coverage options
Basic coverage selections
Lower customer service scores
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.
Orange drivers pay an average of $843 per year for minimum coverage and $1,752 per year for full coverage. These rates exceed California statewide averages, reflecting Orange County's dense population and heavy traffic conditions.
GEICO's premiums of $509 for minimum coverage and $1,139 for full coverage sit well below city averages. This translates to potential annual savings of $334 for minimum coverage and $613 for full coverage compared to typical Orange rates.
| Full Coverage | $146 | $1,752 |
| Minimum Coverage | $70 | $843 |
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:
| 92862 | $63 | $136 |
Finding cheap Orange car insurance gets tricky with high rates and tons of coverage options. Here's how to cut through the confusion and find your best rate:
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.
Look beyond standard car insurance types to save money. Pay-per-mile works great if you barely drive. No car? Check out non-owner policies.
Research average vehicle insurance costs to find rates for your age group, vehicle type and location.
Maximize your savings through multiple car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts.
Check how financially stable each company is and what customers think of them. Read what Orange residents say about filing claims and getting help.
Get quotes from at least three companies.
Set a yearly reminder to review your coverage before it renews.
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.
We answer questions about affordable car insurance in Orange.
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.
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.
In Orange, California, drivers pay $1,752 per year for full coverage and $843 for minimum coverage. Actual rates vary based on individual factors.
Car insurance in Orange costs more than average, ranking 1,086th for minimum coverage affordability and 1,056th for full coverage among California cities.
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.
