Orange, CA Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Orange.
How much does car insurance cost in Orange?
Car insurance coverage costs an average of $916 each six-months in Orange. That's cheaper than the statewide average in California ($934) and more expensive than the national average of $880. Our guide to Orange car insurance includes average rates based on age, credit score, and other factors. Read on to learn more!
|Car insurance in Orange vs. California
|Average 6 Mo. Premium
Are you paying too much for auto insurance?
Orange car insurance rates by company
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 most affordable insurance option in Orange. You can also check out our list of the top-rated auto insurance companies based in part on The Zebra's Customer Satisfaction Survey. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
The Zebra’s auto insurance data methodology
The auto insurance rates published in this guide are based on The Zebra’s annual analysis of average car insurance premiums in every U.S. ZIP code. This data comes to us from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is queried and analyzed by The Zebra.
Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Orange.
Orange auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 33% of Orange drivers. The age group that pays the least for car insurance in Orange are drivers in their 60s ($821 per six-months). Drivers in their 50s pay marginally higher rates — $825 per six-months.
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.
|Avg. 6 Mo. Premium
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.
Orange car insurance rates by violation
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.
|Avg. 6 Mo. Premium
|At-fault Accident (damages less than $1,000)
|At-fault Accident (damages greater than $2,000)
|Speeding Ticket (16-20 mph over speed limit)
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.