Compare Rates and Save on Auto Insurance

widget-location-pin

Cheapest and Best Car Insurance Companies in Orange, CA


Compare Rates and Save on Car Insurance

Enter Your Zip Code

widget-location-pin
Shield

Free. Simple. Secure.

Updated: Sep 26, 2023
Content was edited
Edited by

The cheapest or best insurer for you will vary depending on your driver profile. In Orange, California, GEICO has the most affordable minimum coverage auto insurance, while Progressive offers the cheapest rates for full coverage policies. National General is the most budget-friendly for those with tickets or DUIs, and Capital Insurance Group has the least expensive plans for those with at-fault accidents. Teen drivers will find Farmers to be the cheapest, and USAA is the best cheap insurer for military drivers. According to MoneyGeek, GEICO is the best overall provider, and Chubb ranked highest for customer satisfaction.

MoneyGeek Logo IconCheapest + BestCar InsuranceOrange
2023

Cheapest and Best Car Insurance in Orange, CA

Cheapest Minimum Liability Car Insurance in Orange

The following companies offer the cheapest minimum auto insurance coverage in Orange, California.

  • GEICO: $416 per year
  • Progressive: $451 per year

In Orange, Chubb offers the most expensive minimum coverage policy at an annual rate of $808 as of October 2022.

Company
Annual Premium
Monthly Premium

GEICO

$411

$34

GEICO

$416

$35

State Farm

$437

$36

Progressive

$451

$38

Progressive

$455

$38

AAA California

$474

$40

GEICO

$490

$41

Mercury

$496

$41

AAA California

$499

$42

Mercury

$508

$42

Progressive

$533

$44

Hartford

$563

$47

Kemper

$567

$47

Nationwide

$572

$48

Travelers

$575

$48

Travelers

$575

$48

State Farm

$576

$48

Nationwide

$595

$50

AAA California

$602

$50

State National

$602

$50

State National

$620

$52

Capital Insurance Group

$620

$52

Mercury

$622

$52

Capital Insurance Group

$643

$54

Hartford

$646

$54

Farmers

$651

$54

Kemper

$653

$54

Travelers

$655

$55

State Farm

$658

$55

Farmers

$670

$56

Allstate

$677

$56

Allstate

$683

$57

Capital Insurance Group

$721

$60

National General

$725

$60

State National

$732

$61

Allstate

$735

$61

National General

$746

$62

Nationwide

$750

$62

Farmers

$761

$63

Chubb

$808

$67

Chubb

$833

$69

Hartford

$840

$70

Kemper

$863

$72

National General

$896

$75

GEICO

$1,000

$83

Progressive

$1,002

$84

State Farm

$1,005

$84

Progressive

$1,007

$84

GEICO

$1,032

$86

AAA California

$1,118

$93

AAA California

$1,123

$94

National General

$1,142

$95

Chubb

$1,159

$97

National General

$1,160

$97

Allstate

$1,169

$97

GEICO

$1,194

$99

Mercury

$1,198

$100

Progressive

$1,208

$101

Mercury

$1,219

$102

Allstate

$1,225

$102

Nationwide

$1,229

$102

Hartford

$1,233

$103

Capital Insurance Group

$1,272

$106

State National

$1,287

$107

State Farm

$1,290

$108

Nationwide

$1,326

$111

Capital Insurance Group

$1,350

$113

Allstate

$1,356

$113

Kemper

$1,357

$113

State National

$1,379

$115

National General

$1,389

$116

Travelers

$1,418

$118

Hartford

$1,420

$118

Travelers

$1,473

$123

AAA California

$1,474

$123

State Farm

$1,506

$125

Capital Insurance Group

$1,517

$126

Farmers

$1,552

$129

Mercury

$1,578

$132

Farmers

$1,580

$132

Kemper

$1,656

$138

State National

$1,694

$141

Nationwide

$1,720

$143

Travelers

$1,741

$145

Hartford

$1,846

$154

Farmers

$1,871

$156

Chubb

$1,913

$159

Chubb

$1,976

$165

Kemper

$2,032

$169

Chubb

$2,824

$235

In California, drivers are required by law to have the state-mandated minimum coverage insurance, which includes bodily injury liability and property damage liability. The limits are as follows:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

If you are involved in an at-fault accident, liability-only coverage will cover up to $15,000 of medical costs for each person involved, with a maximum of $30,000 for the entire incident. Any additional costs will have to be paid out of pocket.

Cheapest Full Coverage Car Insurance in Orange

In Orange, California, the companies offering the most affordable full coverage auto insurance policy are:

  • Progressive: $1,007 per year
  • GEICO: $1,032 per year

Chubb offers the most expensive premium for full coverage in Orange, at an average annual cost of $1,913 as of October 2022.

Company
Annual Premium
Monthly Premium

GEICO

$411

$34

GEICO

$416

$35

State Farm

$437

$36

Progressive

$451

$38

Progressive

$455

$38

AAA California

$474

$40

GEICO

$490

$41

Mercury

$496

$41

AAA California

$499

$42

Mercury

$508

$42

Progressive

$533

$44

Hartford

$563

$47

Kemper

$567

$47

Nationwide

$572

$48

Travelers

$575

$48

Travelers

$575

$48

State Farm

$576

$48

Nationwide

$595

$50

AAA California

$602

$50

State National

$602

$50

State National

$620

$52

Capital Insurance Group

$620

$52

Mercury

$622

$52

Capital Insurance Group

$643

$54

Hartford

$646

$54

Farmers

$651

$54

Kemper

$653

$54

Travelers

$655

$55

State Farm

$658

$55

Farmers

$670

$56

Allstate

$677

$56

Allstate

$683

$57

Capital Insurance Group

$721

$60

National General

$725

$60

State National

$732

$61

Allstate

$735

$61

National General

$746

$62

Nationwide

$750

$62

Farmers

$761

$63

Chubb

$808

$67

Chubb

$833

$69

Hartford

$840

$70

Kemper

$863

$72

National General

$896

$75

GEICO

$1,000

$83

Progressive

$1,002

$84

State Farm

$1,005

$84

Progressive

$1,007

$84

GEICO

$1,032

$86

AAA California

$1,118

$93

AAA California

$1,123

$94

National General

$1,142

$95

Chubb

$1,159

$97

National General

$1,160

$97

Allstate

$1,169

$97

GEICO

$1,194

$99

Mercury

$1,198

$100

Progressive

$1,208

$101

Mercury

$1,219

$102

Allstate

$1,225

$102

Nationwide

$1,229

$102

Hartford

$1,233

$103

Capital Insurance Group

$1,272

$106

State National

$1,287

$107

State Farm

$1,290

$108

Nationwide

$1,326

$111

Capital Insurance Group

$1,350

$113

Allstate

$1,356

$113

Kemper

$1,357

$113

State National

$1,379

$115

National General

$1,389

$116

Travelers

$1,418

$118

Hartford

$1,420

$118

Travelers

$1,473

$123

AAA California

$1,474

$123

State Farm

$1,506

$125

Capital Insurance Group

$1,517

$126

Farmers

$1,552

$129

Mercury

$1,578

$132

Farmers

$1,580

$132

Kemper

$1,656

$138

State National

$1,694

$141

Nationwide

$1,720

$143

Travelers

$1,741

$145

Hartford

$1,846

$154

Farmers

$1,871

$156

Chubb

$1,913

$159

Chubb

$1,976

$165

Kemper

$2,032

$169

Chubb

$2,824

$235

A full coverage policy adds comprehensive and collision insurance to your policy.

  • Collision Insurance: Covers the cost of repairs to your car if you hit an object, such as a tree or another vehicle.
  • Comprehensive Insurance: Covers the repair cost if your car is damaged in a non-collision incident, such as theft, vandalism, hail or other acts of nature.

A full coverage policy may not be worth it for owners of older vehicles, as the cost of a policy may be significantly higher than the car’s value.

Loading...
  • coins2 icon

    Compare

    Compare minimum and full coverage policies.

  • find icon

    Find a match

    Get matched with an insurer in Orange.

  • financialPlanning icon

    Save

    Save hundreds of dollars per year.

Cheapest Car Insurance in Orange After a Driving Offense

In Orange, drivers with violations can get the cheapest rates from these companies:

  • Speeding ticket: National General ($1,199 per year)
  • At-fault accident: Capital Insurance Group ($1,588 per year)
  • DUI: National General ($1,199 per year)

Drivers with speeding tickets and at-fault accidents can expect to pay the highest auto insurance premiums with Chubb at $2,514 and $3,092 per year, respectively. For those with DUIs, Hartford is the most expensive provider, with a rate of $5,149 per year. A driving offense will significantly increase the cost of your insurance; even relatively cheap rates for drivers with traffic violations will still be more expensive than average-priced rates for drivers with violations.

Company
Annual Premium
Monthly Premium

GEICO

$626

$52

AAA California

$632

$53

GEICO

$633

$53

Mercury

$638

$53

Mercury

$654

$55

State Farm

$663

$55

AAA California

$665

$55

Capital Insurance Group

$686

$57

State Farm

$694

$58

Capital Insurance Group

$711

$59

Capital Insurance Group

$722

$60

GEICO

$735

$61

GEICO

$744

$62

GEICO

$746

$62

Capital Insurance Group

$749

$62

Kemper

$753

$63

AAA California

$754

$63

National General

$766

$64

National General

$766

$64

National General

$789

$66

National General

$789

$66

AAA California

$794

$66

Capital Insurance Group

$798

$67

Mercury

$798

$67

Mercury

$802

$67

Progressive

$803

$67

AAA California

$805

$67

Hartford

$808

$67

Hartford

$808

$67

Progressive

$811

$68

Mercury

$819

$68

Capital Insurance Group

$842

$70

State National

$852

$71

State National

$852

$71

Kemper

$871

$73

GEICO

$877

$73

State Farm

$877

$73

State National

$878

$73

State National

$878

$73

Progressive

$883

$74

Nationwide

$885

$74

Farmers

$885

$74

Farmers

$885

$74

Mercury

$887

$74

Travelers

$889

$74

Travelers

$889

$74

Progressive

$893

$74

Mercury

$910

$76

Farmers

$912

$76

Farmers

$912

$76

State Farm

$915

$76

Nationwide

$920

$77

Hartford

$939

$78

Hartford

$939

$78

National General

$947

$79

National General

$947

$79

Allstate

$947

$79

Allstate

$956

$80

Progressive

$957

$80

Progressive

$961

$80

AAA California

$963

$80

Progressive

$970

$81

Nationwide

$986

$82

Travelers

$991

$83

GEICO

$994

$83

Travelers

$995

$83

State Farm

$1,001

$83

Mercury

$1,004

$84

GEICO

$1,005

$84

Nationwide

$1,023

$85

Travelers

$1,024

$85

Allstate

$1,035

$86

Farmers

$1,036

$86

Farmers

$1,036

$86

Chubb

$1,040

$87

State National

$1,041

$87

State National

$1,041

$87

State Farm

$1,045

$87

Progressive

$1,059

$88

Chubb

$1,065

$89

Capital Insurance Group

$1,077

$90

Allstate

$1,092

$91

National General

$1,092

$91

Allstate

$1,104

$92

Farmers

$1,107

$92

Capital Insurance Group

$1,116

$93

Mercury

$1,118

$93

National General

$1,127

$94

Farmers

$1,140

$95

Travelers

$1,142

$95

Progressive

$1,151

$96

Kemper

$1,151

$96

Nationwide

$1,162

$97

GEICO

$1,186

$99

Travelers

$1,196

$100

Allstate

$1,197

$100

Travelers

$1,197

$100

National General

$1,199

$100

National General

$1,199

$100

National General

$1,219

$102

National General

$1,219

$102

Hartford

$1,250

$104

Hartford

$1,250

$104

Capital Insurance Group

$1,255

$105

Chubb

$1,265

$105

Kemper

$1,289

$107

Kemper

$1,289

$107

Chubb

$1,291

$108

Farmers

$1,294

$108

Nationwide

$1,297

$108

National General

$1,354

$113

State Farm

$1,366

$114

Travelers

$1,383

$115

Chubb

$1,392

$116

AAA California

$1,441

$120

AAA California

$1,447

$121

Capital Insurance Group

$1,454

$121

National General

$1,460

$122

National General

$1,460

$122

State Farm

$1,492

$124

Capital Insurance Group

$1,497

$125

GEICO

$1,501

$125

State National

$1,540

$128

Capital Insurance Group

$1,542

$129

GEICO

$1,548

$129

State Farm

$1,564

$130

Nationwide

$1,565

$130

Kemper

$1,566

$131

Kemper

$1,566

$131

Mercury

$1,575

$131

State National

$1,588

$132

Capital Insurance Group

$1,588

$132

Mercury

$1,608

$134

Chubb

$1,618

$135

Nationwide

$1,628

$136

AAA California

$1,631

$136

Chubb

$1,641

$137

Chubb

$1,666

$139

GEICO

$1,687

$141

National General

$1,697

$141

Allstate

$1,697

$141

AAA California

$1,702

$142

AAA California

$1,705

$142

AAA California

$1,719

$143

National General

$1,727

$144

GEICO

$1,737

$145

Capital Insurance Group

$1,741

$145

Allstate

$1,782

$149

GEICO

$1,791

$149

Capital Insurance Group

$1,793

$149

Kemper

$1,804

$150

State Farm

$1,806

$150

State National

$1,829

$152

State National

$1,829

$152

Hartford

$1,832

$153

Hartford

$1,832

$153

Progressive

$1,884

$157

Progressive

$1,890

$157

State National

$1,894

$158

Nationwide

$1,901

$158

AAA California

$1,902

$159

State Farm

$1,920

$160

Hartford

$1,928

$161

State National

$1,961

$163

State National

$1,961

$163

Allstate

$1,964

$164

Mercury

$1,970

$164

Kemper

$1,973

$164

Kemper

$1,973

$164

Allstate

$1,981

$165

Allstate

$1,988

$166

Chubb

$1,993

$166

State Farm

$2,010

$168

GEICO

$2,012

$168

Mercury

$2,012

$168

Progressive

$2,050

$171

Progressive

$2,053

$171

Nationwide

$2,056

$171

State Farm

$2,060

$172

Nationwide

$2,067

$172

National General

$2,071

$173

Mercury

$2,086

$174

AAA California

$2,093

$174

Allstate

$2,097

$175

Mercury

$2,115

$176

Nationwide

$2,118

$176

Hartford

$2,120

$177

Hartford

$2,120

$177

Farmers

$2,140

$178

Farmers

$2,140

$178

Mercury

$2,153

$179

Allstate

$2,161

$180

Travelers

$2,168

$181

Farmers

$2,181

$182

Farmers

$2,181

$182

Kemper

$2,203

$184

Allstate

$2,211

$184

AAA California

$2,239

$187

State Farm

$2,239

$187

Travelers

$2,244

$187

Capital Insurance Group

$2,273

$189

Progressive

$2,279

$190

Hartford

$2,280

$190

Nationwide

$2,291

$191

Progressive

$2,327

$194

Progressive

$2,329

$194

State Farm

$2,344

$195

GEICO

$2,387

$199

State National

$2,412

$201

State National

$2,412

$201

Capital Insurance Group

$2,415

$201

Travelers

$2,421

$202

GEICO

$2,462

$205

Allstate

$2,468

$206

Progressive

$2,481

$207

Travelers

$2,499

$208

Chubb

$2,514

$209

Chubb

$2,576

$215

Farmers

$2,583

$215

Farmers

$2,583

$215

Mercury

$2,609

$217

Farmers

$2,674

$223

Nationwide

$2,675

$223

Travelers

$2,678

$223

Kemper

$2,706

$225

Capital Insurance Group

$2,725

$227

Farmers

$2,726

$227

Hartford

$2,782

$232

Hartford

$2,782

$232

Mercury

$2,790

$233

Progressive

$2,819

$235

GEICO

$2,851

$238

Nationwide

$2,986

$249

Travelers

$2,988

$249

Travelers

$3,003

$250

Kemper

$3,004

$250

Kemper

$3,004

$250

State Farm

$3,086

$257

Chubb

$3,092

$258

Travelers

$3,117

$260

Hartford

$3,124

$260

Chubb

$3,153

$263

Farmers

$3,228

$269

Nationwide

$3,367

$281

State National

$3,404

$284

Chubb

$3,421

$285

AAA California

$3,449

$287

AAA California

$3,454

$288

Nationwide

$3,646

$304

State National

$3,657

$305

Allstate

$3,699

$308

Travelers

$3,744

$312

Kemper

$3,782

$315

Kemper

$3,782

$315

Allstate

$3,899

$325

State Farm

$3,971

$331

Chubb

$3,999

$333

Chubb

$4,054

$338

Chubb

$4,116

$343

Allstate

$4,350

$362

Hartford

$4,407

$367

Kemper

$4,514

$376

Kemper

$4,514

$376

State National

$4,514

$376

AAA California

$4,544

$379

State Farm

$4,628

$386

Nationwide

$4,769

$397

Chubb

$4,965

$414

Hartford

$5,149

$429

Hartford

$6,878

$573

Typically, your insurance rate will increase in proportion to the severity of your offense. For instance, drivers with speeding tickets will pay approximately $1,315 more for car insurance than those with DUI offenses. Although typically more expensive, drivers can still get cheap car insurance with a bad driving record.

Cheapest Car Insurance in Orange for Teens and Their Families

In Orange, the following insurers offer the cheapest rates for a 16-year-old teen on a family policy:

  • Farmers: $2,899 per year for male and female teens
  • State Farm: $2,966 per year for male and female teens

​​The most expensive auto insurance provider for teens in Orange is Nationwide, costing $4,919 annually. Although providers charge the same rates for male and female teens in Orange, insurers typically charge males more. This is because they consider them riskier to insure. However, this cost discrepancy levels out in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,330

$2,139

GEICO

$1,361

$2,190

GEICO

$1,364

$2,412

GEICO

$1,379

$2,301

GEICO

$1,395

$2,243

GEICO

$1,402

$2,479

GEICO

$1,422

$2,620

GEICO

$1,440

$2,547

Progressive

$1,522

$2,409

Progressive

$1,522

$2,409

GEICO

$1,579

$2,363

GEICO

$1,631

$2,698

Progressive

$1,648

$2,607

Progressive

$1,648

$2,607

Nationwide

$1,710

$3,543

Nationwide

$1,710

$3,543

Capital Insurance Group

$1,717

$2,201

Capital Insurance Group

$1,717

$2,201

Progressive

$1,763

$3,222

Progressive

$1,763

$3,222

Kemper

$1,773

$3,577

Kemper

$1,773

$3,577

Allstate

$1,802

$2,920

Allstate

$1,802

$2,920

Progressive

$1,846

$2,921

Progressive

$1,846

$2,921

Kemper

$1,872

$3,778

Kemper

$1,872

$3,778

Nationwide

$1,875

$3,885

Nationwide

$1,875

$3,885

Allstate

$1,887

$3,057

Allstate

$1,887

$3,057

Nationwide

$1,935

$4,443

Nationwide

$1,935

$4,443

Allstate

$1,935

$3,396

Allstate

$1,935

$3,396

Allstate

$1,954

$3,167

Allstate

$1,954

$3,167

Capital Insurance Group

$1,954

$2,607

Capital Insurance Group

$1,954

$2,607

Kemper

$1,971

$4,442

Kemper

$1,971

$4,442

Farmers

$1,985

$2,835

Farmers

$1,985

$2,835

Nationwide

$2,010

$4,164

Nationwide

$2,010

$4,164

GEICO

$2,032

$3,434

Capital Insurance Group

$2,034

$2,607

Capital Insurance Group

$2,034

$2,607

Capital Insurance Group

$2,034

$2,607

Capital Insurance Group

$2,034

$2,607

Kemper

$2,036

$4,109

Kemper

$2,036

$4,109

State Farm

$2,048

$3,007

State Farm

$2,048

$3,007

Allstate

$2,074

$3,412

Allstate

$2,074

$3,412

GEICO

$2,112

$3,961

Travelers

$2,120

$2,902

Travelers

$2,120

$2,902

State Farm

$2,130

$3,128

State Farm

$2,130

$3,128

State Farm

$2,167

$3,394

State Farm

$2,167

$3,394

State Farm

$2,180

$3,201

State Farm

$2,180

$3,201

Progressive

$2,187

$3,534

Progressive

$2,187

$3,534

Travelers

$2,195

$3,004

Travelers

$2,195

$3,004

GEICO

$2,223

$3,326

Farmers

$2,223

$3,288

Farmers

$2,223

$3,288

Travelers

$2,240

$3,224

Travelers

$2,240

$3,224

Nationwide

$2,265

$4,870

Nationwide

$2,265

$4,870

Capital Insurance Group

$2,270

$2,933

Capital Insurance Group

$2,270

$2,933

Kemper

$2,283

$4,709

Kemper

$2,283

$4,709

Travelers

$2,287

$3,130

Travelers

$2,287

$3,130

Farmers

$2,303

$3,288

Farmers

$2,303

$3,288

Farmers

$2,303

$3,288

Farmers

$2,303

$3,288

GEICO

$2,311

$3,823

State Farm

$2,322

$3,460

State Farm

$2,322

$3,460

Capital Insurance Group

$2,353

$2,933

Capital Insurance Group

$2,353

$2,933

Allstate

$2,378

$4,349

Allstate

$2,378

$4,349

Allstate

$2,417

$3,977

Allstate

$2,417

$3,977

State Farm

$2,465

$3,853

State Farm

$2,465

$3,853

Kemper

$2,472

$5,101

Kemper

$2,472

$5,101

Farmers

$2,487

$3,770

Farmers

$2,487

$3,770

State Farm

$2,488

$3,707

State Farm

$2,488

$3,707

Kemper

$2,494

$5,624

Kemper

$2,494

$5,624

Travelers

$2,498

$3,383

Travelers

$2,498

$3,383

Capital Insurance Group

$2,520

$3,257

Capital Insurance Group

$2,520

$3,257

Farmers

$2,688

$4,342

Farmers

$2,688

$4,342

Travelers

$2,712

$3,904

Travelers

$2,712

$3,904

Farmers

$2,712

$4,112

Farmers

$2,712

$4,112

Progressive

$2,726

$5,001

Progressive

$2,726

$5,001

State Farm

$2,740

$4,886

State Farm

$2,740

$4,886

Travelers

$2,753

$3,728

Travelers

$2,753

$3,728

Nationwide

$2,791

$6,734

Nationwide

$2,791

$6,734

GEICO

$2,808

$4,967

Farmers

$2,830

$5,594

Farmers

$2,830

$5,594

Progressive

$2,897

$4,682

Progressive

$2,897

$4,682

Farmers

$2,899

$5,851

Farmers

$2,899

$5,851

State Farm

$2,904

$5,180

State Farm

$2,904

$5,180

Farmers

$2,908

$5,750

Farmers

$2,908

$5,750

GEICO

$2,943

$5,773

State Farm

$2,966

$5,804

State Farm

$2,966

$5,804

Nationwide

$2,977

$6,402

Nationwide

$2,977

$6,402

GEICO

$3,010

$5,545

GEICO

$3,087

$5,461

Progressive

$3,146

$6,358

Progressive

$3,146

$6,358

Progressive

$3,166

$6,414

Progressive

$3,166

$6,414

GEICO

$3,173

$6,526

Allstate

$3,173

$6,253

Allstate

$3,173

$6,253

Progressive

$3,179

$6,424

Progressive

$3,179

$6,424

Capital Insurance Group

$3,235

$4,030

Capital Insurance Group

$3,235

$4,030

Capital Insurance Group

$3,235

$4,030

Capital Insurance Group

$3,235

$4,030

Capital Insurance Group

$3,235

$4,030

Capital Insurance Group

$3,235

$4,030

GEICO

$3,249

$6,374

Allstate

$3,286

$6,587

Allstate

$3,286

$6,587

Allstate

$3,343

$6,587

Allstate

$3,343

$6,587

Travelers

$3,624

$4,922

Travelers

$3,624

$4,922

Kemper

$3,762

$7,679

Kemper

$3,762

$7,679

Travelers

$3,786

$5,142

Travelers

$3,786

$5,142

Travelers

$3,794

$5,396

Travelers

$3,794

$5,396

Kemper

$4,121

$8,413

Kemper

$4,121

$8,413

Kemper

$4,159

$9,377

Kemper

$4,159

$9,377

Nationwide

$4,239

$9,103

Nationwide

$4,239

$9,103

Nationwide

$4,766

$10,235

Nationwide

$4,766

$10,235

Nationwide

$4,919

$12,353

Nationwide

$4,919

$12,353

Teens can save money by joining a family policy. In Orange, a 16-year-old male teen could save an average of $673 per year by joining a family policy instead of purchasing an individual one. Families can also save on premiums each year by researching the least expensive insurers for teen drivers.

Cheapest Car Insurance in Orange for Military Drivers

Military-affiliated drivers in Orange can get the cheapest full coverage policies from these insurers:

  • USAA: $901 per year
  • Progressive: $1,007 per year

For minimum coverage policies, USAA is also the most affordable at $397, with GEICO offering the second-cheapest rates at $416 per year. To get cheap car insurance as a military driver, compare providers’ rates and discount opportunities.

Company
Annual Premium
Monthly Premium

USAA

$397

$33

USAA

$397

$33

GEICO

$411

$34

GEICO

$416

$35

State Farm

$437

$36

Progressive

$451

$38

Progressive

$455

$38

AAA California

$474

$40

USAA

$480

$40

GEICO

$490

$41

Mercury

$496

$41

AAA California

$499

$42

Mercury

$508

$42

Progressive

$533

$44

Hartford

$563

$47

Kemper

$567

$47

Nationwide

$572

$48

Travelers

$575

$48

Travelers

$575

$48

State Farm

$576

$48

Nationwide

$595

$50

AAA California

$602

$50

State National

$602

$50

State National

$620

$52

Capital Insurance Group

$620

$52

Mercury

$622

$52

Capital Insurance Group

$643

$54

Hartford

$646

$54

Farmers

$651

$54

Kemper

$653

$54

Travelers

$655

$55

State Farm

$658

$55

Farmers

$670

$56

Allstate

$677

$56

Allstate

$683

$57

Capital Insurance Group

$721

$60

National General

$725

$60

State National

$732

$61

Allstate

$735

$61

National General

$746

$62

Nationwide

$750

$62

Farmers

$761

$63

Chubb

$808

$67

Chubb

$833

$69

Hartford

$840

$70

Kemper

$863

$72

USAA

$881

$73

National General

$896

$75

USAA

$901

$75

GEICO

$1,000

$83

Progressive

$1,002

$84

State Farm

$1,005

$84

Progressive

$1,007

$84

GEICO

$1,032

$86

USAA

$1,079

$90

AAA California

$1,118

$93

AAA California

$1,123

$94

National General

$1,142

$95

Chubb

$1,159

$97

National General

$1,160

$97

Allstate

$1,169

$97

GEICO

$1,194

$99

Mercury

$1,198

$100

Progressive

$1,208

$101

Mercury

$1,219

$102

Allstate

$1,225

$102

Nationwide

$1,229

$102

Hartford

$1,233

$103

Capital Insurance Group

$1,272

$106

State National

$1,287

$107

State Farm

$1,290

$108

Nationwide

$1,326

$111

Capital Insurance Group

$1,350

$113

Allstate

$1,356

$113

Kemper

$1,357

$113

State National

$1,379

$115

National General

$1,389

$116

Travelers

$1,418

$118

Hartford

$1,420

$118

Travelers

$1,473

$123

AAA California

$1,474

$123

State Farm

$1,506

$125

Capital Insurance Group

$1,517

$126

Farmers

$1,552

$129

Mercury

$1,578

$132

Farmers

$1,580

$132

Kemper

$1,656

$138

State National

$1,694

$141

Nationwide

$1,720

$143

Travelers

$1,741

$145

Hartford

$1,846

$154

Farmers

$1,871

$156

Chubb

$1,913

$159

Chubb

$1,976

$165

Kemper

$2,032

$169

Chubb

$2,824

$235

How to Compare Cheap Orange Car Insurance Quotes Online

It can take up to 15 minutes or more to input the personal information required for a single auto insurance quote. When comparing rates from multiple providers, this time can add up. Fortunately, MoneyGeek’s car insurance calculator can provide a quick estimate using your age, vehicle type, driving history and coverage requirements.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

California
Female
30-65
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.

Progressive

Best Car Insurance in Orange: Summary

The best insurer for you will vary depending on how much you value factors like cost, customer service and coverage options. These are our top choices for different 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)

An insurer’s total MoneyGeek score may vary across categories depending on how factors were weighted in that category. CSAA is the best car insurance provider in California, showing how location can impact the best insurer for you. USAA is also the best option for military drivers, earning a MoneyGeek score of 85 out of 100.

Best Overall Car Insurance in Orange

The following are the top-rated car insurance companies in Orange:

  • GEICO: MoneyGeek score of 74 out of 100 ($1,032 per year)
  • Progressive: MoneyGeek score of 74 out of 100 ($1,007 per year)

GEICO marginally won over Progressive as the best overall insurer in Orange. Its rates are slightly higher than Progressive, but it provides superior customer service. USAA is the ideal choice for those with a military background, earning an impressive MoneyGeek score of 85 out of 100.

How was this MoneyGeek score calculated?

GEICO

pros

Has an excellent customer satisfaction score

Has a high affordability score

Offers mechanical breakdown insurance (MBI) coverage

cons

Lacks original equipment manufacturer (OEM) coverage

Lacks total loss deductible waiver coverage

COMPANY HIGHLIGHTS

GEICO stands out for its strong focus on customer service and affordability. Residents of Orange can expect to pay an average of only $1,032 annually for comprehensive coverage, making it the second-cheapest insurer among the 15 we evaluated.

GEICO offers limited coverages, but the ones they do offer are top-notch. For example, their MBI coverage applies to all parts and systems, rather than just the specific items listed in most dealer-extended warranties. This useful coverage is available to drivers with cars that are less than 15 months old and have fewer than 15,000 miles.

It also provides coverage for antique and classic cars, which includes liability coverage, uninsured and underinsured motorist coverage and medical coverages, such as personal injury protection and medical payments. Additionally, GEICO provides roadside assistance for flat tires, towing, jumpstarts and lockouts as well as reimbursement for towing and roadside assistance.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Orange for Customer Service

Without taking into account affordability, we found that these insurers offer the best customer service in Orange:

  • Chubb: MoneyGeek score of 76 out of 100 ($1,913 per year)
  • Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,350 per year)

Of the insurers in our comparison group, Chubb has the highest claims management rating and one of the highest customer satisfaction ratings. However, it has the most expensive rates of the insurers in our study.

How was this MoneyGeek score calculated?

Chubb

pros

Offers OEM coverage

Has the highest customer satisfaction rating

cons

Offers few add-on coverage options

COMPANY HIGHLIGHTS

Chubb has the highest ratings for claims management and the second-highest ratings for customer satisfaction. With its diminished value coverage, also known as agreed value coverage, you’ll be reimbursed for the agreed-upon value of your car if it’s stolen or totaled, potentially saving you thousands of dollars.

Furthermore, Chubb offers OEM coverage, which can help ensure that your car is maintained to its utmost potential. With this coverage, any damaged parts will be replaced with original manufactured ones. Rental car and/or travel reimbursement coverage will pay for the cost of a rental vehicle up to a certain limit if yours is damaged in a covered accident. This coverage can come in handy, especially for frequent travelers.

Best Cheap Car Insurance in Orange

In Orange, these insurers offer the best minimum coverage policies that include the state-mandated liability limits in California:

  • GEICO: MoneyGeek score of 78 out of 100 ($416 per year)
  • Progressive: MoneyGeek score of 74 out of 100 ($451 per year)

Although minimum coverage plans are the most affordable, they offer the least amount of liability protection and don’t cover damages to your own vehicle.

How was this MoneyGeek score calculated?

GEICO

pros

An affordable minimum coverage policy costs $416 per year

Offers discounts for bundling insurance, insuring multiple cars, installing daytime running lights and more

Has a relatively high customer satisfaction score

cons

Has a relatively low claims management score

Offers fewer coverage options than its competitors

COMPANY HIGHLIGHTS

GEICO offers quality service at an affordable rate. Drivers can further reduce the cost of their already low premiums through one of the provider’s many discount opportunities.

For instance, military personnel that are deployed can receive an emergency deployment discount. Federal employees can also get a federal employee discount, while full-time students with good grades may qualify for a good student discount. Those aged 50 and over may be eligible for senior auto insurance discounts. With so many discounts available, GEICO is an ideal choice for Orange drivers that are looking to save money on auto insurance.

In addition to its many discount opportunities, policyholders can benefit from the insurer’s key coverages like accident forgiveness and roadside assistance. Accident forgiveness ensures that your premium won’t increase after your first at-fault accident, while roadside assistance will pay for the cost of towing, lockout or jumpstart services if your car breaks down.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Orange

As of October 2022, the average cost of car insurance in Orange is $1,310 per year, which is approximately $77 less than average cost of car insurance in California of $1,387. However, it’s $122 more expensive than the national average of $1,265 per year. This shows how location can impact the cost of your car insurance.

These rates 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 accident.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.