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: August 10, 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 below to find the most affordable insurance company for your specific driver profile.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record: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 heavily on age, so we've split drivers into three categories: 16–25 (young), 26–64 (adults), and 65+ (seniors). Based on our data in Orange, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: GEICO (from $86 per month)
- Cheapest Car Insurance for Adults: GEICO (from $42 per month)
- Cheapest Car Insurance for Seniors: GEICO (from $46 per month)
Cheapest Car Insurance for Young Drivers in Orange
In Orange, GEICO and State Farm provide the most affordable car insurance for drivers aged 16 to 25, with monthly premiums starting at $86 and $89 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record: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
In Orange, Geico provides the lowest rates for adult drivers (26-64), saving drivers around 40% on average. Progressive and AAA are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record: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
For seniors in Orange, Geico provides the lowest rates for both coverage types. Minimum coverage costs $46 monthly ($553 annually), while full coverage runs $101 per month ($1,218 per year).
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record: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)
- Cheapest With an Accident: GEICO (from $75 per month)
- Cheapest With a Speeding Ticket: GEICO (from $64 per month)
Cheapest Car Insurance With a DUI in Orange
GEICO offers the most affordable car insurance rates for drivers with a DUI in Orange. You can save up to 45% on minimum coverage and 41% on full coverage compared to average city rates.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment: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
Drivers in Orange with an accident record can find the lowest rates with Geico, starting at $75 per month — about 33% less than the city's average premium.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment: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
For Orange drivers with speeding tickets, Geico provides the cheapest insurance options. Their minimum liability coverage costs about $64 monthly, while full coverage with 100/300/100 limits runs $140 per month.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment: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 insurance companies are Progressive, GEICO, AAA and State Farm. These providers offer competitive rates, reliable customer service and comprehensive coverage options.
| 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 available
Highly rated customer service
Competitive rates across driver types
cons
Not the cheapest option
Limited military discounts
COMPANY HIGHLIGHTS
Progressive ranks first in Orange with strong performance across all categories. The company stands out for its extensive coverage options and strong customer service ratings. Progressive's rates come in lower than the Orange average for most drivers. Their high coverage score means customers get access to more policy 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. They rank first for affordability while providing solid coverage options. GEICO proves especially cost-effective 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 below to see Orange car insurance rates that match your age, driving record and other key factors that insurers use to set premiums.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record: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 per month. ZIP code 92867 is the most expensive, while 92866 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code: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 will help you navigate the choices and find the best rates for your needs.
- 1
Calculate your coverage requirements
Start by determining exactly how much coverage you need for your Orange driving situation. Use our car insurance coverage needs calculator to evaluate factors like your car's value, your assets, and your risk tolerance. This creates a solid foundation for comparing policies and ensures you don't overpay for unnecessary coverage.
- 2
Explore alternative insurance options
Beyond standard types of car insurance, consider specialized options that could save you money. If you drive infrequently, pay-per-mile coverage might be ideal. Don't own a car? Look into non-owner policies for occasional driving needs.
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Know what others pay
Research average vehicle insurance costs in Orange to set realistic expectations. Understanding typical rates for your age group, vehicle type, and location helps you recognize good deals and avoid overpaying. This knowledge gives you leverage when negotiating with insurance providers.
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Stack your savings with discounts
Maximize your savings through multiple car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Look into safe driver programs, good student discounts, and defensive driving course credits to reduce your premium further.
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Check 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. A company's reputation for fair claims handling and responsive service can be just as important as competitive rates.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites to ensure you're seeing the full range of available rates. Keep your coverage selections consistent across quotes for accurate comparisons.
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Review your policy annually
Mark your calendar to review your coverage each year before renewal. Life changes like moving within Orange, buying a new car, or improving your credit score can qualify you for better rates. Don't let loyalty to one insurer prevent you from finding better deals elsewhere.
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
Find clear answers about affordable car insurance in Orange. Our FAQ section helps you understand coverage options and costs, so you can choose the right policy that fits your budget.
What is the cheapest car insurance company in Orange, California?
Geico offers the most affordable rates in Orange, with annual premiums of $509 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, scoring 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 1086th for minimum coverage affordability and 1056th for full coverage among California cities.
How We Chose the Best and Cheapest Car Insurance in Orange, CA
To help Orange drivers find the most affordable auto insurance companies, MoneyGeek analyzed Orange auto insurance rates based on data and information from the California Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Orange and hundreds of thousands of quotes for 12 companies offering auto insurance in California to tailor options as closely as possible to you.
Orange Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Orange with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Orange
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in California are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Orange based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.