Best Cheap Auto Insurance in Orange, CA (2021)

On average, Orange, CA auto insurance rates are $4,786/yr. The cheapest auto insurance company in Orange, California, is USAA. However, Orange, CA auto insurance quotes vary for each person. Orange car insurance must meet the minimum California car insurance requirements with coverage levels of 15/30/5 for liability. Compare Orange, CA auto insurance online to find the best price for you.

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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: May 4, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • Orange, CA auto insurance is over $4,700/yr but reduces by hundreds with a company
  • You can receive a discount for keeping infractions of your driving record
  • Driving less can save you money at an Orange, CA auto insurance company

On average, Orange, CA auto insurance rates are $4,786 annually, which is about $1,097 more than the California state average and $854 higher than the national average.

Read through this guide to learn more about Orange, CA auto insurance quotes and how shopping around can lead to cheap auto insurance.

Monthly Orange, CA Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Orange, California auto insurance rates by ZIP Code below:

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

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

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Are you ready to find affordable Orange, CA auto insurance? Enter your ZIP code above to compare the best auto insurance companies near you.

What is the cheapest Orange, CA auto insurance company?

The cheapest car insurance company in Orange, California, based on average rates, is USAA.

Since USAA is only available for U.S. military veterans and their immediate families, most Orange, CA drivers will not be eligible for USAA auto insurance.

For drivers who don’t qualify for USAA, Progressive, Liberty Mutual, and GEICO are the following providers with more affordable Orange, CA car insurance premiums.

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

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Here’s a list of the best auto insurance companies in Orange, CA, ranked from cheapest to most expensive:

  • USAA – $2,660
  • Progressive – $2,772
  • Liberty Mutual – $2,851
  • GEICO – $2,872
  • Travelers – $3,228
  • State Farm – $4,091
  • Nationwide – $4,494
  • Allstate – $4,599
  • Farmers – $4,695

The auto insurance rates are different from other areas in California. But how come?

Car insurance companies use your location as a factor to determine car insurance. Let’s compare the cost of auto insurance to other cities in California.

Although San Diego is a bigger city, it has a more affordable auto insurance rate. But the right company can get you cheaper auto insurance rates in Orange, CA.

Orange, CA car insurance rates by company and age is an essential comparison because the top car 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 Orange car insurance rates. Find the cheapest Orange, CA car insurance rates by coverage level below:

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

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

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

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What are the minimum auto insurance requirements in Orange, CA?

All Orange drivers have to meet the minimum California auto insurance requirements.

In California, you have to carry at least:

  • $15,000 for bodily injury of one person per accident
  • $30,000 for bodily injury of multiple people per accident
  • $5,000 per incident for property damage

California is an at-fault state, which means an at-fault driver must use their auto insurance policy to pay for the no-fault driver’s bodily injury and property damage from the collision.

We recommended a higher coverage level, such as 50/100/50, if you’re in an accident that exceeds the state minimum.

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What other factors affect auto insurance rates in Orange, CA?

Gender and credit history-based auto insurance has been outlawed in California, but commute mileage is still a factor.

How does your commute affect Orange, CA auto insurance rates?

According to Data USA, the average commute time in Orange is 25 minutes, which is the same as the national average.

But driving less in Orange could save at least 10% on your auto insurance, but your savings will depend on the company.

Some car insurance companies don’t bother charging customers extra for driving more than average.

Be aware of the traffic conditions, also. Your congested traffic can increase your commute time and fatal accident risk. According to City-Data, Orange had five fatal accidents in 2019, which lower than the California average.

How does auto theft affect Orange, CA auto insurance?

According to the 2019 FBI Statistics, Orange had 251 thefts. Orange, CA thefts aren’t as much as other cities in California, but the theft rate may affect your comprehensive auto insurance.

You can slash the prices of comprehensive coverage if you raise your deductible.

How does your driving history affect Orange, CA auto insurance rates?

A clean driving record can also help you save on Orange, CA car insurance. Avoiding accidents and DUI convictions is one of the best ways to keep car insurance rates low.

How does your age affect Orange, CA auto insurance rates?

Age also affects Orange, CA car insurance rates. If you’re between 16 to 24 years old, car insurance rates could cost twice as much. We recommended staying under a parent’s policy and pursuing discounts by driving less.

Orange, CA Auto Insurance: What’s the bottom line?

Orange, CA car insurance rates are more expensive than average, but the right company can save you hundreds per year. When you combine a clean driving record with other discounts, you can often save money on your auto insurance.

Before you buy  Orange, CA auto insurance, compare quotes from multiple insurance companies to find the best rates.

Use our free comparison tool below to get fast, free Orange, CA auto insurance quotes.

Free Auto Insurance Comparison

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

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