In Orange, the average cost for full coverage car insurance is $126 per month. Rates can range from as low as $122 per month to as high as $301, depending on various factors. The table below includes average car insurance costs for different driver profiles to help drivers better understand what they might pay.
Orange, CA, Car Insurance
Updated: January 15, 2025
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Cheapest Car Insurance in Orange: Key Takeaways
Progressive, State Farm, National General and Capital Insurance Group are the most affordable car insurance providers in Orange. They offer competitive rates for various driver profiles.
Progressive is the cheapest provider in Orange, with rates of $38 per month for minimum coverage and $86 per month for full coverage. It is a popular choice for budget-conscious drivers.
The average cost of car insurance in Orange is $54 per month for minimum coverage and $126 per month for full coverage. Rates vary based on individual driver profiles and coverage needs.
Car Insurance Quotes in Orange, CA
| Young Drivers | $67 | $157 |
| Teens | No Data | $301 |
| Seniors | $54 | $122 |
| Drivers With a Speeding Ticket | $76 | $178 |
| Drivers With a DUI | $129 | $298 |
| Drivers With An Accident | $88 | $203 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Orange vs. State Average
California
State Average Full Coverage Rate
$1,599
Orange, CA
City Average Full Coverage Rate
$1,510Cheaper:$89 saved
This is 6% less expensive.
What Is the Average Car Insurance Rate in Orange?
In Orange, the average cost of full coverage car insurance is $1,510 per year, while state minimum coverage costs $653 annually. These costs are lower than the California average of $1,599 for full coverage and $661 for minimum coverage. Residents might find these rates more affordable.
| State Average | $661 | $1,599 |
| Orange Average | $653 | $1,510 |
Cheapest Car Insurance Companies in Orange
While car insurance premiums are rising in California, you can still find affordable options in Orange. Progressive offers the cheapest minimum coverage at $38 per month and full coverage at $86 per month.
WHY CAR INSURANCE IN ORANGE IS CHEAPER
Although Orange is a large city, it ranks much lower than other cities of its size in terms of population density and accident rates overall. This lowers the chance an insurer will receive a claim, resulting in lower rates for drivers.
Cheap Car Insurance in Orange
Progressive often offers the cheapest car insurance, but rates vary for each driver. To find the most affordable option, compare quotes from several providers. Below is a table showing the cheapest rates for different driver profiles.
| Progressive | Minimum Coverage | $38 |
| Progressive | Full Coverage | $86 |
| State Farm | Teens | $232 |
| Progressive | Young Adults | $74 |
| Progressive | Seniors | $62 |
| National General | Drivers With a DUI | $90 |
| Capital Insurance Group | Drivers With An Accident | $94 |
| National General | Drivers With a Speeding Ticket | $90 |
Car Insurance Rates in Orange by Company
Different car insurance companies in Orange offer unique rates, so comparing quotes is key to finding affordable premiums. Below are the most cost-effective plans for state minimum and full coverage car insurance.
Cheapest Car Insurance Companies for Minimum Coverage in Orange
Progressive offers the cheapest minimum coverage auto insurance at $38 per month. GEICO follows closely with a rate of $39. The table below breaks down the most affordable options.
| Progressive | $38 | $19 |
| GEICO | $39 | $18 |
| Kemper | $47 | $10 |
| Capital Insurance Group | $48 | $9 |
| AAA | $50 | $8 |
| Mercury | $50 | $7 |
| State National | $52 | $5 |
| Hartford | $53 | $4 |
| Farmers | $54 | $4 |
| State Farm | $56 | $2 |
Cheapest Car Insurance Companies for Full Coverage in Orange
Progressive offers the most affordable full coverage car insurance in Orange at $86 per month. Below is a full list of providers and their rates.
| AAA | $109 | $22 |
| Capital Insurance Group | $113 | $18 |
| GEICO | $98 | $32 |
| Hartford | $118 | $13 |
| Kemper | $113 | $18 |
| Mercury | $119 | $12 |
| National General | $112 | $18 |
| Progressive | $86 | $44 |
| State National | $115 | $16 |
Car Insurance Companies in Orange
To find affordable car insurance in Orange, compare quotes from different providers. Progressive offers the cheapest rate at $745 annually. Capital Insurance Group is the best affordable choice, with a MoneyGeek score of 84 out of 100. Explore the table below for more options to consider in your search.
| Capital Insurance Group | 84 | $964 |
| Chubb | 82 | $1,360 |
| Mercury | 74 | $1,014 |
| Progressive | 70 | $745 |
| GEICO | 69 | $826 |
| State Farm | 69 | $1,139 |
| AAA | 66 | $952 |
| Nationwide | 64 | $1,152 |
| Hartford | 61 | $1,021 |
| Travelers | 59 | $1,326 |
| Kemper | 58 | $962 |
| Farmers | 57 | $1,383 |
| National General | 54 | $1,028 |
| Allstate | 52 | $1,350 |
| State National | No Data | $999 |
Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Orange by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates at $1,510 per year for 40-year-olds and $1,462 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $3,502 | $-788 |
| 17 | $3,490 | $-776 |
| 18 | $3,291 | $-577 |
| 19 | $2,520 | $194 |
| 20 | $2,584 | $130 |
| 21 | $2,249 | $465 |
| 22 | $1,954 | $760 |
| 23 | $2,007 | $707 |
| 24 | $1,925 | $789 |
| 25 | $1,887 | $-174 |
| 40 | $1,510 | $203 |
| 65 | $1,462 | $251 |
Cheapest Car Insurance for Teens in Orange
State Farm offers the cheapest overall car insurance for teens in Orange, at $231 monthly — $36 cheaper than the average state cost. The table below details more affordable providers for this age group.
| State Farm | $231 | $36 | $232 |
| GEICO | $233 | $33 | $268 |
| Farmers | $236 | $31 | $328 |
| Capital Insurance Group | $251 | $16 | $245 |
| Allstate | $254 | $13 | $266 |
| Progressive | $255 | $12 | $273 |
| Travelers | $290 | $-23 | $256 |
| Kemper | $303 | $-36 | $384 |
| Nationwide | $348 | $-82 | $453 |
*Rates reflect 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 Orange
For young drivers in Orange, Progressive offers the lowest minimum coverage rate at $45 per month and the most affordable full coverage at $104 per month. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| Progressive | Minimum Coverage | $45 |
| Progressive | Full Coverage | $104 |
| National General | Drivers With a DUI | $110 |
| Capital Insurance Group | Drivers With An Accident | $106 |
| Capital Insurance Group | Drivers With a Speeding Ticket | $103 |
Cheapest Car Insurance Companies for Young Drivers in Orange
Progressive offers the most affordable auto insurance for young drivers at $74 per month. The table below shows other companies with competitive rates.
| Progressive | $74 | $44 |
| GEICO | $79 | $38 |
| Capital Insurance Group | $90 | $27 |
| State National | $101 | $17 |
| AAA | $103 | $15 |
| National General | $105 | $13 |
| Mercury | $108 | $10 |
| State Farm | $110 | $7 |
| Hartford | $111 | $7 |
*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 Orange
Progressive and Capital Insurance Group offer the cheapest car insurance rates in Orange. However, prices vary depending on factors like driving history and coverage needs. The table below shows the most affordable providers for different driver and coverage profiles that may better fit you.
| Progressive | Minimum Coverage | $38 |
| Progressive | Full Coverage | $86 |
| National General | Drivers With a DUI | $92 |
| Capital Insurance Group | Drivers With An Accident | $89 |
| Capital Insurance Group | Drivers With a Speeding Ticket | $86 |
Cheapest Car Insurance Companies for Seniors in Orange
Progressive offers the cheapest monthly premium for seniors at $62 for minimum and full coverage. GEICO follows closely with a rate of $67 per month. The table below shows the top car insurance providers for seniors in Orange.
| Progressive | $62 | $30 |
| GEICO | $67 | $25 |
| State Farm | $74 | $18 |
| Hartford | $74 | $18 |
| Capital Insurance Group | $76 | $16 |
| State National | $79 | $13 |
| AAA | $81 | $11 |
| Mercury | $84 | $8 |
| National General | $87 | $5 |
| Nationwide | $90 | $2 |
*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 Orange
When looking at high-risk driver profiles in Orange, rates for minimum and full coverage are lower than the state average. Those with DUIs tend to pay the most for car insurance. Accidents and speeding tickets generally have less effect on rates.
| State Average | $1,239 | $2,989 |
| Orange Average | $1,224 | $2,819 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Insurers usually look at minor driving incidents like a not-at-fault accident or a speeding ticket for about three to five years. For more serious offenses, such as a DUI, insurance companies may keep a record for up to 10 years. These offenses often mean you'll need to file an SR-22 or FR-44 to prove you meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Orange
National General offers the cheapest minimum coverage for drivers with a DUI in Orange at $744 per year. The company also provides the most affordable full coverage policy at $1,416 annually. Check out the table below for more low-cost coverage options.
| National General | $62 | $118 |
| Mercury | $80 | $196 |
| Progressive | $80 | $200 |
| Capital Insurance Group | $83 | $203 |
| Farmers | $91 | $306 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Orange
Capital Insurance Group, GEICO and Farmers offer the cheapest auto insurance after an at-fault accident in Orange. The table below shows different providers in Orange offering affordable car insurance coverage for drivers with an at-fault accident violation.
| Capital Insurance Group | $56 | $133 |
| State National | $73 | $163 |
| GEICO | $70 | $164 |
| Progressive | $74 | $176 |
| Farmers | $73 | $245 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Orange
Capital Insurance Group is the cheapest car insurance provider for drivers with a speeding ticket, offering minimum coverage at $53. National General offers the lowest rate for full coverage at $118 monthly. Check the table below to see how other providers charge drivers with a speeding ticket.
| National General | $62 | $118 |
| Capital Insurance Group | $53 | $129 |
| GEICO | $59 | $146 |
| Kemper | $63 | $150 |
| Mercury | $64 | $156 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Minimum Car Insurance Requirements in Orange, CA
In California, each city follows car insurance minimums set by statewide mandates. 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
For example, if you're in a fender bender that causes $4,000 in damage, your minimum coverage would handle the costs, keeping you financially safe.
Cheap Car Insurance in Orange: Bottom Line
Progressive is the most affordable car insurance in Orange, with minimum coverage at $38 and full coverage at $86 per month. Whether you're a young driver or have a few more miles on you, you'll find options that meet your budget. Remember, your policy must include bodily injury and property damage liability to drive legally in the Golden State. By shopping around, you secure the best price for the protection you need.
Orange Auto Insurance: FAQ
This section gives quick answers to common questions about finding affordable and quality car insurance in Orange.
What is the cheapest car insurance company in Orange, California?
Progressive offers the most affordable minimum coverage auto insurance in Orange, California. Its rates start at $38 monthly, saving customers about $19.
What is the best car insurance company in Orange, California?
Capital Insurance Group, with a MoneyGeek score of 84 out of 100, offers a competitive annual premium of $964 for minimum coverage auto insurance in Orange, California.
How much does car insurance cost on average in Orange?
The average car insurance cost for minimum coverage in Orange ranges from $54 per month for seniors to $129 for drivers with a DUI.
Best Cheap Car Insurance in Orange: Our Methodology
MoneyGeek conducted an analysis of Orange auto insurance prices using data from the California Department of Insurance and Quadrant Information Services.
Orange Driver Profile
To assess the best and most affordable auto insurance options for Orange 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 Orange
In assessing the car insurance quotes for Orange, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to California's mandated liability insurance parameters:
- $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 Orange
- 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 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Orange.
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.