Fullerton's average full coverage car insurance costs $149 per month. Rates range from $144 to $355, depending on driver details and vehicle type. The table below includes average premiums for various driver profiles to help drivers understand potential costs.
Fullerton, CA, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Fullerton: Key Takeaways
Progressive, State Farm, National General and Capital Insurance Group offer the most affordable car insurance options in Fullerton.
Progressive is the cheapest car insurance provider, with monthly rates of $44 for minimum coverage and $102 for full coverage.
On average, car insurance costs $64 per month for minimum coverage and $149 for full coverage.
Car Insurance Quotes in Fullerton, CA
| Young Drivers | $80 | $188 |
| Teens | No Data | $341 |
| Seniors | $64 | $144 |
| Drivers With a Speeding Ticket | $90 | $211 |
| Drivers With a DUI | $154 | $355 |
| Drivers With An Accident | $104 | $241 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Fullerton vs. State Average
California
State Average Full Coverage Rate
$1,659
Fullerton, CA
City Average Full Coverage Rate
$1,784More:$125 more
This is 8% more expensive.
What Is the Average Car Insurance Rate in Fullerton?
In Fullerton, full coverage car insurance costs about $1,784 per year, while minimum coverage averages $771. These rates are higher than California's averages of $1,659 and $693, respectively.
| State Average | $693 | $1,659 |
| Fullerton Average | $771 | $1,784 |
Cheapest Car Insurance Companies in Fullerton
Even with rising premiums in the Golden State, you can find affordable car insurance in Fullerton. Progressive offers the cheapest minimum coverage at $44 per month and full coverage at $102.
WHY CAR INSURANCE IN FULLERTON IS EXPENSIVE
Car insurance is expensive in Fullerton due to factors like traffic congestion and theft rates. Itt ranks among the more expensive cities for car insurance in the state. California faces additional issues like a high number of uninsured drivers, frequent personal injury lawsuits and insurance fraud, all of which drive up costs for residents.
Cheap Car Insurance in Fullerton
Progressive often offers the cheapest car insurance, but rates vary by driver. The best way to find affordable coverage is by comparing quotes from several providers. Below is a table with the cheapest rates for different driver profiles.
| Progressive | Minimum Coverage | $44 |
| Progressive | Full Coverage | $102 |
| State Farm | Teens | $259 |
| Progressive | Young Adults | $88 |
| Progressive | Seniors | $74 |
| National General | Drivers With a DUI | $90 |
| Capital Insurance Group | Drivers With An Accident | $104 |
| National General | Drivers With a Speeding Ticket | $90 |
Car Insurance Rates in Fullerton by Company
To find affordable car insurance, compare rates from different companies. Below, we detail the cheapest minimum and full coverage plans in Fullerton.
Cheapest Car Insurance Companies for Minimum Coverage in Fullerton
Progressive offers the cheapest minimum coverage auto insurance at $44 per month. GEICO follows closely with a rate of $45 per month. See the breakdown of the cheapest options in the table below.
| Progressive | $44 | $20 |
| GEICO | $45 | $20 |
| Kemper | $52 | $13 |
| Capital Insurance Group | $53 | $12 |
| National General | $56 | $8 |
| Mercury | $57 | $7 |
| Farmers | $57 | $7 |
| AAA | $59 | $5 |
| State Farm | $63 | $1 |
| State National | $63 | $1 |
| Hartford | $64 | $0 |
Cheapest Car Insurance Companies for Full Coverage in Fullerton
Progressive offers the cheapest full coverage car insurance in Fullerton at $102 per month. Below is a list of other providers and their rates.
| AAA | $123 | $25 |
| Capital Insurance Group | $125 | $24 |
| GEICO | $112 | $36 |
| Hartford | $139 | $10 |
| Kemper | $136 | $13 |
| Mercury | $133 | $16 |
| National General | $115 | $34 |
| Progressive | $102 | $47 |
| State National | $142 | $6 |
Car Insurance Companies in Fullerton
Progressive offers the lowest rate at $878 per year. Capital Insurance Group, with a MoneyGeek score of 87, is the best cheap provider. Check the table below for more options to consider.
| Capital Insurance Group | 87 | $1,064 |
| Mercury | 77 | $1,137 |
| Chubb | 76 | $2,390 |
| State Farm | 73 | $1,277 |
| Progressive | 70 | $878 |
| GEICO | 70 | $942 |
| AAA | 68 | $1,093 |
| Nationwide | 68 | $1,345 |
| Travelers | 65 | $1,441 |
| Hartford | 63 | $1,220 |
| Farmers | 63 | $1,554 |
| Allstate | 61 | $1,437 |
| Kemper | 60 | $1,127 |
| National General | 59 | $1,025 |
| State National | No Data | $1,235 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Fullerton by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,784 per year for 40-year-olds and $1,734 annually for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $3,966 | $-1,252 |
| 17 | $3,952 | $-1,238 |
| 18 | $3,725 | $-1,011 |
| 19 | $2,849 | $-135 |
| 20 | $2,924 | $-210 |
| 21 | $2,537 | $177 |
| 22 | $2,203 | $511 |
| 23 | $2,264 | $450 |
| 24 | $2,168 | $546 |
| 25 | $2,254 | $-471 |
| 40 | $1,784 | $-1 |
| 65 | $1,734 | $49 |
Cheapest Car Insurance for Teens in Fullerton
State Farm offers the cheapest overall car insurance for teens with full coverage in Fullerton at $257 per month, saving $45 compared to the state average. The table below also breaks down some of the most affordable providers in the city for this age group.
| State Farm | $257 | $45 | $259 |
| Farmers | $263 | $39 | $366 |
| GEICO | $265 | $37 | $305 |
| Allstate | $269 | $33 | $283 |
| Capital Insurance Group | $270 | $32 | $263 |
| Progressive | $308 | $-7 | $331 |
| Travelers | $315 | $-13 | $278 |
| Kemper | $365 | $-63 | $462 |
| Nationwide | $405 | $-103 | $526 |
*Rates are for 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Fullerton
GEICO offers the best minimum coverage rate for young drivers in Fullerton at $52 per month. Progressive has the most affordable full coverage at $123 per month. The table below highlights the cheapest options for various driver profiles.
| GEICO | Minimum Coverage | $52 |
| Progressive | Full Coverage | $123 |
| National General | Drivers With a DUI | $110 |
| Capital Insurance Group | Drivers With An Accident | $117 |
| National General | Drivers With a Speeding Ticket | $110 |
Cheapest Car Insurance Companies for Young Drivers in Fullerton
Progressive offers the most affordable auto insurance for young drivers at $88 per month. The table below shows other companies with competitive rates.
| Progressive | $88 | $46 |
| GEICO | $90 | $43 |
| Capital Insurance Group | $100 | $34 |
| National General | $104 | $30 |
| AAA | $118 | $16 |
| Mercury | $122 | $12 |
| State Farm | $124 | $10 |
| State National | $125 | $9 |
| Allstate | $131 | $3 |
| Hartford | $133 | $0 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Fullerton
GEICO and Progressive offer the cheapest car insurance in the area, but your rate may vary based on factors like driving history. The table below shows the cheapest providers for different driver and coverage profiles.
| GEICO | Minimum Coverage | $44 |
| Progressive | Full Coverage | $102 |
| National General | Drivers With a DUI | $91 |
| Capital Insurance Group | Drivers With An Accident | $98 |
| National General | Drivers With a Speeding Ticket | $91 |
Cheapest Car Insurance Companies for Seniors in Fullerton
Progressive offers the cheapest monthly premium for seniors in Fullerton, with rates as low as $74. GEICO follows closely with a monthly rate of $76. The table below highlights the top car insurance providers for seniors in the area.
| Progressive | $74 | $30 |
| GEICO | $76 | $28 |
| State Farm | $83 | $21 |
| Capital Insurance Group | $84 | $20 |
| National General | $87 | $17 |
| Hartford | $88 | $16 |
| AAA | $93 | $11 |
| Mercury | $95 | $9 |
| State National | $97 | $7 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Fullerton
In Fullerton, high-risk drivers pay more for minimum coverage and full coverage than the state average. Bad credit and DUIs significantly increase car insurance costs, while accidents and speeding tickets have a smaller impact.
| State Average | $1,239 | $2,989 |
| Fullerton Average | $1,394 | $3,227 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Most minor driving incidents, like a not-at-fault accident or a speeding ticket in Fullerton, may affect your insurance for three to five years. For serious offenses such as a DUI, insurers take note for even longer, and you might need to file an SR-22 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Fullerton
National General offers the cheapest minimum coverage for drivers with a DUI at $709 per year. It also provides the most affordable full coverage at $1,452 annually. Check out the table below to see more options for low-cost coverage.
| National General | $59 | $121 |
| Mercury | $92 | $218 |
| Capital Insurance Group | $91 | $225 |
| Progressive | $97 | $241 |
| Farmers | $97 | $350 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Fullerton
Capital Insurance Group, Farmers and GEICO offer the cheapest auto insurance after an at-fault accident in Fullerton. The table below shows various providers offering affordable coverage.
| Capital Insurance Group | $61 | $147 |
| National General | $84 | $170 |
| GEICO | $79 | $187 |
| Progressive | $88 | $211 |
| Farmers | $78 | $280 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Fullerton
National General is the cheapest car insurance provider for drivers with a speeding ticket in Fullerton, offering minimum coverage at $59 and full coverage at $121. Check the table below to see how other providers charge drivers with a speeding ticket.
| National General | $59 | $121 |
| Capital Insurance Group | $58 | $144 |
| GEICO | $67 | $167 |
| Mercury | $73 | $175 |
| Kemper | $69 | $181 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Minimum Car Insurance Requirements in Fullerton, CA
In California, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
If you're in a car accident in California, this minimum coverage will help pay for injuries and damage up to these amounts, keeping you financially protected.
Cheap Car Insurance in Fullerton: Bottom Line
Progressive isFullerton's most affordable car insurance provider, saving you money on both minimum and full coverage. Regardless of your age or credit, affordable options are available. Ensure your policy meets California requirements, including bodily injury and property damage liability. Compare providers to secure budget-friendly coverage that complies with state laws.
Fullerton Auto Insurance: FAQ
We answer common questions about finding the cheapest and best car insurance options in Fullerton.
What is the cheapest car insurance company in Fullerton, CA?
Progressive offers the most affordable minimum coverage auto insurance in Fullerton at $44 per month, saving users $20 monthly.
What is the best car insurance company in Fullerton, CA?
Capital Insurance Group is the best car insurance provider in Fullerton, with a MoneyGeek score of 87 out of 100. The average annual premium for minimum coverage is $1,064.
How much does car insurance cost on average in Fullerton, CA?
The average monthly cost for minimum coverage in Fullerton ranges from $64 to $154.
Best Cheap Car Insurance in Fullerton: Our Methodology
MoneyGeek analyzed Fullerton auto insurance prices using data from the California Department of Insurance and Financial Services and Quadrant Information Services.
Fullerton Driver Profile
To assess the best and most affordable auto insurance options for Fullerton residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Fullerton
In assessing the car insurance quotes for Fullerton, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to California's mandated liability insurance parameters:
The minimum coverage requirements in California are:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among California providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Fullerton
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes from insurance companies in Fullerton for the average driver of various ages who is driving a Toyota Camry with a clean record.
For more details on our evaluation process, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned 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 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.