Updated: January 27, 2026
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GEICO: Most affordable for diverse driver types at $42 monthly for minimum coverage and $94 for full coverage. Drivers save 19% compared to Orange's average rates.
Progressive: Runner-up for affordability with $52 minimum and $99 full coverage monthly rates. It's competitive for drivers with a DUI seeking reasonable premiums.
AAA: Affordable for drivers with an accident and drivers with a speeding ticket.
Cheapest by Coverage and Driver Profile in Orange:
For full coverage in Orange, GEICO costs $94 monthly. Progressive costs $99 monthly. Both deliver 38% and 31% savings versus city average. For minimum coverage, GEICO is cheapest at $42 monthly.
| Geico | $42 | $95 | -38% |
| Progressive | $52 | $99 | -31% |
| AAA | $54 | $120 | -21% |
| State Farm | $63 | $137 | -10% |
| Wawanesa Insurance | $70 | $137 | -7% |
Not in Orange? Read more about the cheapest car insurance in California or the best car insurance in California.
GEICO is the most affordable option, with rates of $178 per month. Wawanesa follows at $190 per month, while State Farm rounds out the top three at $191 per month. Two strategies can reduce these costs: keeping young drivers on a parent's existing policy and completing a defensive driving course.
| Geico | $179 | $2,145 | -33% |
| Wawanesa Insurance | $190 | $2,284 | -29% |
| State Farm | $192 | $2,300 | -28% |
| Progressive | $216 | $2,597 | -19% |
| AAA | $221 | $2,650 | -17% |
GEICO costs $101 monthly for full coverage, followed by State Farm at $118 and Progressive at $120. Completing a defensive driving course saves up to 10% for three years, and most insurers provide accident forgiveness programs for drivers 65 and older. State Farm offers additional age-specific discounts.
| Geico | $101 | $1,218 | -39% |
| State Farm | $118 | $1,419 | -29% |
| Progressive | $121 | $1,452 | -28% |
| Wawanesa Insurance | $137 | $1,647 | -18% |
| AAA | $139 | $1,664 | -17% |
Traffic violations will increase your insurance rates. If you've been in an at-fault accident, GEICO offers the most affordable coverage at $75 monthly for minimum coverage, with AAA close behind at $78 monthly.Â
If you have a DUI on your record, GEICO is cheapest at $101 monthly. Progressive is second at $117 monthly. If you have a speeding ticket, GEICO charges $63 monthly. AAA charges $72 monthly.
| At-Fault Accident | Geico | $75 | -34% |
| At-Fault Accident | AAA | $79 | -31% |
| DUI | Geico | $102 | -41% |
| DUI | Progressive | $118 | -32% |
| Speeding Ticket | Geico | $64 | -40% |
| Speeding Ticket | AAA | $73 | -31% |
For the most expensive area (92867), full coverage is $172 monthly. For the cheapest area (92866), it's $131 monthly. That's a $41 gap between neighborhoods in the same city. Your ZIP code matters because insurers analyze crime stats, accident rates and traffic patterns to set rates.
| 92867 | $172 |
| 92865 | $166 |
| 92868 | $140 |
| 92862 | $136 |
| 92869 | $132 |
| 92866 | $131 |
| 92866 | $131 |
| 92869 | $132 |
| 92862 | $136 |
| 92868 | $140 |
| 92865 | $166 |
| 92867 | $172 |
Progressive takes top spot in Orange with a MoneyGeek score of 91 out of 100. Balances affordable premiums and comprehensive coverage options, which makes it a smart choice for most drivers. GEICO, AAA, State Farm and Auto-Owners round out the top five.
| 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 |
Snapshot rewards safe driving
Wide coverage options for diverse needs
Specializes in high-risk drivers
Quotes higher than competitors
Slow claims with communication gaps
Expensive add-ons raise premiums
Progressive ranks first in Orange for comprehensive coverage addressing local weather risks and competitive rates for violation drivers. Comprehensive coverage handles Orange's common flood damage.
Cheapest rates across all driver types
Comprehensive mobile app with voice assistant features
Unique mechanical breakdown insurance coverage
No GAP insurance for leased vehicles
Lowest customer experience ranking among competitors
No local agents for face-to-face service
GEICO ranks first in Orange for affordability and comprehensive digital service with the lowest rates for drivers with accidents, speeding tickets and DUI violations across all age groups. Efficient mobile app and 24/7 customer service give easy policy management.
Orange drivers deal with high insurance costs, but affordable coverage is manageable with the right approach.
Combine auto with home or renters insurance for 15% to 25% savings. Stack on multi-car discounts (10% to 25% per vehicle) plus good driver and payment discounts. Total potential savings can reach 30% to 40%.
Increasing your deductible from $500 to $1,000 typically reduces premiums by 10-15% annually.
Insurance companies regularly adjust their rates based on Orange's changing risk factors and claims data. Your driving record also improves after three years.
Our experts break down NEXT's policies and pricing to help Orange residents secure affordable coverage that fits their needs.
Orange car insurance runs about $146 monthly for full coverage. That's relatively affordable compared to other California cities. While Granada Hills hits $243 per month and Weed costs just $47 monthly, Orange falls comfortably in the middle range for the state.
Finding affordable car insurance in Orange starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and California’s insurance requirements all shape your premium.Â
We partnered with the California Department of Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Orange ZIP code.Â
Our ratings for the best car insurance in Orange are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).Â
Read more about our methodology, which reveals which insurers maintain competitive rates across Orange neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
