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: 11/14/2022
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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

After analyzing the average rates, claims ratings and customer satisfaction scores of different car insurance companies, MoneyGeek found the following companies offer the best car insurance in Orange:

  • GEICO: MoneyGeek score of 90.2 out of 100
  • Esurance: MoneyGeek score of 89.8 out of 100

We did not include USAA in our overall ranking since the company only offers policies to military-affiliated drivers. However, USAA received a MoneyGeek score of 93.2 out of 100, making it the best car insurance company in Orange for eligible active and retired military and their families.


1
Esurance
Score:100
There are no ratings for this company
Geek Quick Take
Geek Quick Take

On average, it costs $1,040 annually for a 40-year-old to buy Esurance’s full coverage policy in Orange. The company ranked above-average for satisfaction, first for affordability but average for claims. Esurance offers add-on custom parts coverage.

More About Esurance

Esurance’s add-on custom parts coverage is valuable for drivers in Orange who install after-market equipment in their cars. It covers the cost of damages in a covered claim to after-market upgrades like fancy sound systems, custom grills, exhaust systems, etc. The company offers policyholders a coverage limit as high as $4,500. Besides this, Esurance offers common add-on coverages — roadside assistance and rental car and/or travel reimbursement — and the less common gap insurance and rideshare insurance.

Read MoneyGeek's Esurance auto Insurance Review
2
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO’s full coverage policy for a 40-year-old costs an average of $1,110 annually in Orange. It got a very high satisfaction score, ranked second for affordability and had an above-average claims score. GEICO offers add-on mechanical breakdown insurance.

More About GEICO

With GEICO, policyholders in Orange can get many common add-on coverages, including roadside assistance and rental car and/or travel reimbursement. But mechanical breakdown insurance (MBI) is a unique add-on coverage. With MBI, you get the repair or replacement of any car system or part in case of failure. It covers more than a dealer’s extended warranty, and it’s a lot more affordable. This coverage is available for cars less than 15 months old with less than 15,000 miles.

Read MoneyGeek's GEICO auto Insurance Review

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
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Most Rainy Days260th/300

About the Author


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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.