Cheapest and Best Car Insurance Companies in Orange, CA
Compare Rates and Save on Car Insurance
By, Content Director
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.
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.
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.
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.
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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.
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.
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.
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.
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See how the Average Annual Auto Insurance Rates vary with the options chosen.
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?
Has an excellent customer satisfaction score
Has a high affordability score
Offers mechanical breakdown insurance (MBI) coverage
Lacks original equipment manufacturer (OEM) coverage
Lacks total loss deductible waiver coverage
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.
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?
Offers OEM coverage
Has the highest customer satisfaction rating
Offers few add-on coverage options
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?
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
Has a relatively low claims management score
Offers fewer coverage options than its competitors
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.
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