Best Cheap Auto Insurance in Fullerton, CA (2021)

The cheapest Fullerton, CA auto insurance offered to all drivers is from GEICO, but rates will vary by driver. Auto insurance in Fullerton must meet the California minimum requirements of 15/30/5 in liability coverage. Those limits are very low, and drivers are encouraged to raise those limits and add coverage. Shop around and compare Fullerton, CA auto insurance quotes online to find your best deal.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

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Things to Remember

  • GEICO offers the cheapest Fullerton, CA auto insurance rates on average to all drivers
  • Fullerton is near Los Angeles and shares a high traffic volume with the larger city
  • Low-income drivers may qualify for the CLCA program to get low coverage car insurance for cheap

Fullerton, CA auto insurance is expensive. In fact, it’s higher than the California auto insurance average rates and the national average.

However, you can still find affordable Fullerton, CA auto insurance if you know where to look. Shop around and compare rates from different companies to see who can offer you the best deal.

Monthly Fullerton, CA Car Insurance Rates by ZIP Code

Check out the monthly Fullerton, CA auto insurance rates by ZIP Code below:

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Fullerton, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Fullerton, CA stack up against other top metro auto insurance rates? We’ve got your answer below.

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Enter your ZIP code now to compare Fullerton, CA auto insurance quotes from multiple companies near you for free.

What is the cheapest auto insurance company in Fullerton, CA?

Although the cheapest overall Fullerton, CA auto insurance company is USAA, it only offers coverage to the military, veterans, and their families. The cheapest company that offers coverage to all Fullerton drivers is GEICO.

Which Fullerton, CA auto insurance company has the cheapest rates? And how do those rates compare against the average California auto insurance company rates? We’ve got the answers below.

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The top Fullerton, CA auto insurance companies listed from least to most expensive are:

  • USAA – $2,736.43
  • GEICO – $2,904.07
  • Progressive – $3,052.48
  • Liberty Mutual – $3,093.36
  • Travelers – $3,520.45
  • State Farm – $4,270.22
  • Farmers – $4,822.01
  • Allstate – $4,864.93
  • Nationwide – $5,037.92

Your car insurance rates are affected by many different factors, such as your age and driving record. Although many companies will also use gender to determine your rates, California is one of the few states that doesn’t allow it.

Where you live affects your rates also. Larger cities with more crime and traffic will pay more for car insurance. For example, auto insurance in Los Angeles, CA is more expensive than coverage in Fullerton since LA is the largest city in California.

California does offer low-cost auto insurance for low-income drivers. The California Low-Cost Auto (CLCA) program offers very low coverage for drivers who meet certain requirements.

Fullerton, CA auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Fullerton auto insurance rates. Find the cheapest Fullerton, CA auto insurance rates by coverage level below:

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Your driving record will play a major role in your Fullerton auto insurance rates. For example, other factors aside, a Fullerton, CA DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Fullerton, CA auto insurance rates by driving record.

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Factors affecting auto insurance rates in Fullerton, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Fullerton, California auto insurance.

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These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. California does use gender, so check out the average monthly auto insurance rates by age and gender in Fullerton, CA.

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What auto insurance coverage is required in Fullerton, CA?

Almost every state requires at least a minimum amount of auto insurance for drivers to drive legally. California is no exception. The minimum auto insurance requirements in California for Fullerton drivers are:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

These minimums are very low, and drivers should consider raising these limits and carrying additional coverages. In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered.

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What affects auto insurance rates in Fullerton, CA?

Traffic can also affect your auto insurance rates because more cars on the road equal a higher chance of an accident.

Although INRIX doesn’t have data for Fullerton, it does rank nearby Los Angeles, CA as the fifth most congested city in the U.S. and the 37th most congested city in the world.

City-Data reports that most drivers in Fullerton commute around 20 minutes, but a large number of drivers commute an hour or more.

Another factor that can raise your car insurance rates is theft. According to the FBI, there were 386 motor vehicle thefts in one year in Fullerton. In nearby Los Angeles, the number of thefts skyrockets to 19,193 in the same year.

Fullerton, CA Auto Insurance: The Bottom Line

Auto insurance in Fullerton is more expensive than average but some drivers may qualify for the CLCA program to get cheap car insurance.

If you don’t qualify for CLCA insurance, shop around before you buy Fullerton, CA auto insurance to find the cheapest coverage for you.

Enter your ZIP code now to compare Fullerton, CA auto insurance rates from companies in your area for free.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Monthly Fullerton, CA Auto Insurance Rates by ZIP Code
Fullerton, CA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Fullerton, CA Auto Insurance Rates by Company and Age
The Cheapest Fullerton, CA Auto Insurance Rates by Coverage Level
The Cheapest Fullerton, CA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Fullerton, CA
Average Monthly Auto Insurance Rates by Age & Gender in Fullerton, CA
Monthly Fullerton, CA Auto Insurance Rates by ZIP Code
Fullerton, CA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Fullerton, CA Auto Insurance Rates by Company and Age
The Cheapest Fullerton, CA Auto Insurance Rates by Coverage Level
The Cheapest Fullerton, CA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Fullerton, CA
Average Monthly Auto Insurance Rates by Age & Gender in Fullerton, CA
Monthly Fullerton, CA Auto Insurance Rates by ZIP Code
Fullerton, CA Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Fullerton, CA Auto Insurance Rates by Company and Age
The Cheapest Fullerton, CA Auto Insurance Rates by Coverage Level
The Cheapest Fullerton, CA Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Fullerton, CA
Average Monthly Auto Insurance Rates by Age & Gender in Fullerton, CA