Cheapest Car Insurance In Orange County, CA 2024
GEICO delivers the lowest monthly price for basic car insurance in Orange County, averaging $37.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re seeking affordable car insurance in Orange County, CA, you’ll find that rates can vary quite a bit.
GEICO is ideal for anyone seeking the cheapest liability-only insurance. Meanwhile, Progressive offers top rates for full coverage, and State Farm has the best rates specifically for younger drivers.
Cheapest And Best Car Insurance In Orange County, CA 2024
Cheapest Liability-only Car Insurance In Orange County: Chubb
Orange County residents can get the lowest rate on minimum coverage with GEICO, which averages $37 a month.
The table below shows a rate comparison across various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Chubb | $34 | $403 |
| Auto-Owners | $110 | $1,312 |
| Encompass | $96 | $1,130 |
| Progressive | $98 | $1,145 |
| GEICO | $103 | $1,227 |
Cheapest Full Coverage Insurance Rates In Orange County: Chubb
Progressive’s full coverage rates are the cheapest in Orange County, averaging $92 each month.
Below is a comparison table of average auto insurance quotes from affordable insurers in Orange County.
| Provider | Average Monthly Cost | Average Annual Cost |
| Chubb | $84 | $1,006 |
| Auto-Owners | $199 | $2,370 |
| GEICO | $152 | $1,820 |
| State Farm | $412 | $4,937 |
| Farmers | $840 | $10,030 |
Cheapest Car Insurance Rates For Seniors: Chubb
At an average of $87 per month, State Farm offers the lowest car insurance rates for seniors in Orange County.
Below is a table comparing average quotes from the least expensive auto insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Chubb | $69 | $820 |
| Auto-Owners | $208 | $2,486 |
| GEICO | $153 | $1,832 |
| State Farm | $390 | $4,670 |
| Farmers | $745 | $8,930 |
Cheapest Rates In Orange County For Teenagers: Progressive
With an average monthly premium of $313, State Farm offers the lowest quotes for teenage drivers in Orange County.
Below is a comparison of insurance providers with the most budget-friendly rates for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $350 | $4,199 |
| Travelers | $989 | $11,834 |
| Auto-owners | $351 | $4,210 |
| State Farm | $1,159 | $13,904 |
| Farmers | $173 | $20,620 |
Cheapest Auto Insurance For Young Adults in Orange County: GEICO
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $153 | $1,825 |
| Progressive | $167 | $2,000 |
| Travelers | $210 | $2,520 |
| Auto-Owners | $212 | $2,540 |
| State Farm | $473 | $5,670 |
Cheapest Car Insurance In Orange County For Good Drivers: Chubb
Orange County drivers with clean records can find the best rates from GEICO, with monthly premiums averaging $37.
Good drivers can use the table below to compare average quotes from low-cost insurance companies.
| Provider | Average Monthly Cost | AverageAnnual Cost |
| Chubb | $34 | $403 |
| Auto-Owners | $110 | $1,312 |
| Encompass | $96 | $1,130 |
| Progressive | $98 | $1,145 |
| GEICO | $103 | $1,227 |
Find Affordable Orange County Rates
Cheapest Car Insurance In Orange County After A Speeding Ticket: USAA
State Farm is highly affordable in Orange County, with an average monthly rate of $176 for drivers who have a speeding ticket on their record.
Check the table below to compare average rates for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $191 | $2,292 |
| Progressive | $193 | $2,306 |
| State Farm | $618 | $7,410 |
| Auto-owners | $262 | $3,142 |
| Farmers | $1,086 | $13,020 |
Cheapest Rates In Orange County For Drivers After A DUI: Progressive
After a DUI, Orange County drivers can get the lowest rates from State Farm, with premiums averaging $188 per month.
The following table lists the cheapest insurance rates for drivers in Orange County with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $170 | $2,025 |
| Travelers | $784 | $9,415 |
| Auto-Owners | $490 | $5,860 |
| State Farm | $1,075 | $12,890 |
| Farmers | $1,114 | $13,360 |
Cheapest For Drivers With After At-Fault Accident: Progressive
State Farm is the best option for affordable car insurance for drivers with an at-fault record, with rates averaging $193 per month.
Here are the insurance companies offering the most budget-friendly rates for drivers who have an at-fault accident on record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $206 | $2,469 |
| GEICO | $407 | $4,880 |
| Auto-Owners | $231 | $2,772 |
| State Farm | $496 | $5,940 |
| Farmers | $1,143 | $13,690 |
Best Car Insurance Companies In Orange County
With Chubb, drivers in Orange County can access insurance at a low rate of $83 per month. Other options include Progressive at $90 a month and GEICO at $93 per month.
The table below displays the top 10 car insurance companies in Orange County, CA, ranked by the average rates they offer each month.
| Company | Monthly Premium |
| Chubb | $34 |
| Progressive | $98 |
| Auto-Owners | $110 |
| West Field | $109 |
| State Farm | $320 |
| GEICO | $96 |
| Farmers | $402 |
| Encompass | $96 |
| Pioneer State | $120 |
| Hanover | $740 |
Average Auto Insurance Rates In Orange County – By Age
When it comes to calculating car insurance rates, age is a key factor. Younger drivers often face higher premiums because they are statistically more likely to have accidents and violations due to their inexperience. Teenagers can expect to pay roughly $7,599 annually for their car insurance.
As drivers approach 25 years of age, they can expect their insurance rates to decrease, provided they keep their driving record free of incidents.
Drivers in their 50s and early 60s are often offered the best insurance rates. Insurance companies use age as a benchmark to determine driving experience and risk, which plays a significant role in setting premium prices.
| Age | Average Yearly Rate |
| Teenagers | $6,499 |
| 20s | $2,180 |
| 30s | $1,790 |
| 40s | $1,768 |
| 50s | $1,550 |
| 60s | $1,364 |
| 70s | $1,205 |
Average Rates In Orange County – By Vehicle
The kind of vehicle you drive plays an essential role in setting your car insurance costs. Insurers take into account various factors, including the make, model, year, and type of body. Typically, newer vehicles, especially luxury ones with advanced technology and higher replacement costs, usually come with increased insurance rates.
You can refer to the table below to discover average rates for different types of vehicles in Orange County.
| Vehicle | Average Monthly Rate |
| Toyota Camry | $130 |
| Chevrolet Equinox | $182 |
| Nissan Rogue | $190 |
| Honda Civic | $140 |
| Ford F-150 | $171 |
Average Cost Of Auto Insurance In Orange County – By Zip Code
Zip codes assist insurers in understanding the crime rates of a location, causing car insurance rates to vary depending on the specific zip code.
You can refer to the table below to discover average insurance premiums for various zip codes in Orange County.
| Zip Code | Average Monthly Rate |
| 48235 | $160 |
| 48238 | $156 |
| 48216 | $171 |
| 48210 | $152 |
| 48206 | $165 |
Find Affordable Orange County Rates
Our Methodology
I have developed a comprehensive overview of the car insurance landscape in Orange County, CA, based on an in-depth analysis that includes customer service ratings, product options, pricing, and assessments from multiple online review sources and user experiences.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Orange County?
In Orange County, the most competitive rates for minimum required coverage are provided by GEICO, whereas Progressive has the lowest rates for full coverage, which includes both comprehensive and collision insurance options.
What is the average cost of car insurance in Orange County?
For complete coverage, the average yearly expense for car insurance in Orange County is around $2,036.
