Orange, CA Car Insurance

Save money on auto insurance in Orange, California with our guide.

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What's the average cost of car insurance in Orange?

 

Car insurance coverage costs an average of $1,833 each year in Orange. That's cheaper than the statewide average in California ($1,868) and more expensive than the national average of $1,548. Our guide to Orange car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!

 
ORANGE AUTO INSURANCE PREMIUMS
Orange Average (annual)California AverageUnited States Average
$1,833$1,868$1,548
 
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Orange car insurance premiums by insurer

 

The difference in auto insurance rates from company to company can be substantial. For a typical driver, GEICO offers Orange's most affordable premiums. Reference below the top options for affordable insurance in Orange. Don't forget to get car insurance quotes based on your unique driving profile.

 
ORANGE CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Annual Rate
GEICO$1,249
Mercury$1,442
AAA$1,731
Alliance$1,823
Infinity$1,856
 

Consult our expert guide to finding the best cheap car insurance.

 

Auto insurance premiums by age in Orange

The age group that pays the least for car insurance in Orange are drivers in their 60s ($1,642 per year). Drivers in their 50s pay marginally higher rates — $1,650 per year.

Teenage drivers pay Orange's most expensive car insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Orange is to age out of your teens. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Orange is $4,040. That's the biggest gap in premiums between any pair of age brackets.

 
CAR INSURANCE RATES BY AGE TIER IN ORANGE
Age bracketAverage Annual Rate
Teenagers$6,737
20s$2,697
30s$1,786
40s$1,728
50s$1,650
60s$1,642
70s$1,914
 

Learn more about how age influences auto insurance rates.

 

Orange auto insurance costs by marital status and gender

 

Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers in Orange pay $78 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. In Orange, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is yet another factor that can affect auto insurance premiums. In Orange, female drivers pay more for auto insurance than do male drivers: $4 per year, to be precise.

 
ORANGE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital StatusAverage Annual Rate
Female$1,837
Male$1,833
Single$1,755
Married$1,755
Divorced$1,833
Widowed$1,782
 

Learn more about the impact gender and marital status have on insurance rates.

 

Orange auto insurance costs by accident and citation history

 

No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most costly citations to receive are DUI and reckless driving. Drivers in the city of Orange found guilty of reckless driving face insurance rate increases of $3,148 per year, compared to the citywide average. A DUI violation may lead to a $3,050 increase, while a citation for speeding leads to a $741 rate hike.

 
AVERAGE ORANGE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
ViolationAverage Annual Rate
DUI/DWI$4,884
Reckless Driving$4,981
At-fault Accident (damages less than $1,000)$1,841
At-fault Accident (damages greater than $2,000)$3,208
Speeding Ticket (16-20 mph over speed limit)$2,574
 

Learn more about citations' impact on your auto insurance rates.

 

Orange car insurance rates by credit score

 

It's no secret credit score is closely correlated with car insurance rates. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance.

California is one of a handful of states that have outlawed the practice of using drivers' credit scores as a factor in pricing premiums. Your credit history will not impact your rates, even if you have poor credit.
 

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

 

Find a car insurance policy today!

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.