Compare the Cheapest Car Insurance Quotes in Orange

Car insurance in Orange costs around $1,334 per year, 6.6% lower than California’s average. Orange’s cheapest auto insurance is with Esurance, roughly $1,040 per year. MoneyGeek evaluated Orange’s cheapest auto insurance by coverage amount and driving history to help you decide which fits your needs. We also ranked the best companies for quality service and cost.

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Last Updated: 5/16/2022
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Esurance is Orange’s cheapest car insurance company overall, and if you have a speeding ticket. Still, the most affordable provider depends on your preferred coverage and profile. GEICO has the cheapest state minimum policy, while USAA may be the best for military families. MoneyGeek’s pick as the best car insurer balancing service and affordability in Orange is AAA.

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The Cheapest and Best Car Insurance in Orange

The Cheapest Car Insurance Companies in Orange

In Orange, the cheapest car insurance companies for a full coverage policy are:

  • Esurance: $1,040 on average per year
  • GEICO: $1,110 on average per year

At around $1,107 per year, USAA offers the second most affordable full coverage policy in Orange. However, it only serves military families.

Orange’s cheapest full coverage policy is with Esurance, roughly 55.2% less expensive than a policy from Hartford, the city’s most expensive car insurer.

With full coverage, you have collision and comprehensive insurance to protect your vehicle. Rates vary depending on the liability limits you choose.

Cheapest Car Insurance in Orange
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $1,040
  • 2.
    USAA
    $1,107
  • 3.
    GEICO
    $1,110
  • 4.
    Progressive
    $1,114
  • 5.
    AAA
    $1,174
  • 6.
    MetLife
    $1,174
  • 7.
    Allstate
    $1,262
  • 8.
    Mercury
    $1,347
  • 9.
    State Farm
    $1,423
  • 10.
    Travelers
    $1,558
  • 11.
    Allied
    $1,585
  • 12.
    Farmers
    $1,604
  • 13.
    Hartford
    $1,614

In accordance with the MoneyGeek methodology, we collected average rates for a 40-year-old male driver in Orange with a full coverage policy.

A full coverage policy does cost more than the state minimum but gives you protection for your vehicle when damaged or for theft because it adds comprehensive and collision insurance to state minimum liability requirements.

  • Collision insurance: after an at-fault collision with another vehicle or stationary object, pays to repair or replace your vehicle
  • Comprehensive insurance: covers damages outside of a collision, such as hail and falling objects, plus theft and vandalism

If you have an older vehicle, your full coverage premium could cost more than the car’s value. To have the cheapest rate possible, consider buying a state minimum policy or liability-only insurance.

Compare Car Insurance Rates in Orange

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Orange for Minimum Coverage

A state minimum policy is your best available option for the cheapest car insurance in Orange.

MoneyGeek’s analysis reveals that, on average, the following companies provide the most affordable state minimum policies in Orange:

  • GEICO: $467 per year
  • Progressive: $497 per year

If you have a military background, you may be eligible for USAA, with the cheapest state minimum policy in Orange at around $448 per year.

GEICO’s state minimum policy is around $393 cheaper than Farmers, the city’s most expensive.

A state minimum policy is affordable, but without comprehensive and collision coverage and with low levels of liability coverage, you have little protection. To see how car insurance rates change with higher liability coverage, see the table below.

Cheapest Minimum Liability Car Insurance in Orange
State Minimum

In Orange, a California state minimum policy is the cheapest available auto insurance. However, it gives you the least protection, only covering $15,000 per person and $30,000 per accident in bodily injury liability and $5,000 in property damage liability — the minimum that California requires.

You may save monthly with a state minimum policy but could pay out of pocket in an at-fault accident. For example, if you cause $35,000 in total medical bills, you have to pay $5,000 out of pocket because of the policy’s $30,000 maximum.

California Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Orange if You Have Driving Violations

A driving violation, such as a DUI, speeding ticket or at-fault accident, can increase your car insurance rates.

With a driving violation, MoneyGeek found the cheapest insurance companies in Orange are:

  • Cheapest after a ticket: Esurance, $1,318 on average per year
  • Cheapest after an at-fault accident: Esurance, $1,632 on average per year
  • Cheapest after a DUI: Mercury, $2,202 on average per year

USAA has the least expensive car insurance for drivers with a speeding ticket at around $1,209 a year if they have a military background.

After a driving violation, you can improve your record over time and get a lower rate. For now, your best option is to shop around and compare quotes to find the cheapest deal on auto insurance with a violation.

Cheapest Car Insurance in Orange With a Violation
Speeding Ticket

Average Cost of Car Insurance in Orange

Orange$1,334
California$1,429
U.S.$1,424

Drivers pay around $1,334 per year for car insurance in Orange. That’s a bit lower than the average car insurance cost in California and across the United States. Orange’s average is 6.6% lower than California’s and 6.3% lower than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Orange

Your age, gender, vehicle make and model, preferred coverage and ZIP code can influence car insurance quotes in Orange. Insurance providers use such criteria when calculating your risk profile. Because insurers have various ways of determining rates, you should compare quotes from various companies to find the best offer available to you.

Compare Car Insurance Rates in Orange

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Orange

MoneyGeek analyzed how companies balance affordability and service quality to determine the best car insurance companies in Orange.

The top-rated companies for Orange drivers who want great service and a good price are:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

But, USAA could be the best option in Orange if you’re part of a military family.

MoneyGeek scored car insurance companies in Orange on affordability, J.D. Power user satisfaction ratings and financial stability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Average Cost of Car Insurance by Postal Code

Your ZIP code is a crucial detail that can affect car insurance costs. Insurance companies may find you riskier to insure if you live in a California ZIP code with, for example, a high incidence of accidents or car theft. In Orange, the lowest and highest car insurance ZIP code is very similar, averaging $1,331 in 92867 for the lowest and $1,336 in 92869 for the highest.

  • Zip Code
    State Minimumper year
  • 92867
    $1,331
  • 92869
    $1,336

Factors That Impact Insurance Costs in Orange

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Orange. How Orange ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities150th/300
handcuffs2 icon
Most Car Thefts210th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall247th/300
umbrella icon
Most Rainy Days260th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Orange are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.