Orange Car Insurance

The Zebra
May 30, 2018

Car Insurance in Orange

With premiums within $30 of the state average, Orange has rates that are fairly equivalent to the state. Let’s go over some tips on how to save on car insurance in Orange.

  • City Average: $1,683
  • State Average: $1,713
  • National Average: $1,427

Orange Car Insurance by Gender and Marital Status

Pricing for car insurance premiums in Orange is determined by numerous factors, including gender and marital status. Married individuals save around $70 per year compared to those who are single or divorced. Rates for those who are widowed are relatively cheaper than rates for those who are single. The amount by which men's and women's car insurance premiums differ is minimal.

  • Female: $1,689
  • Male: $1,683
  • Single: $1,683
  • Married: $1,610
  • Divorced: $1,683
  • Widowed: $1,617

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Orange Car Insurance by Accident or Violation History

By avoiding driving mishaps that can balloon your car insurance premiums, you can not only save yourself money, but become a safer driver. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. Drivers with a DUI or reckless driving charge in Orange need to spend nearly triple the average for the city to insure their vehicle. No one plans on getting into an accident, but stuff happens, so be aware of what one can do to your rates. $931 is what you can expect to add on to your annual insurance premium in Orange if you have an at-fault accident on your driving record.

  • DUI: $4,803
  • Reckless Driving: $4,803
  • At-fault Accident (damages less than $1000): $2,614
  • At-fault Accident (damages greater than $2000): $2,614
  • Speeding Ticket (16-20 mph over speed limit): $2,277

Orange Car Insurance by Age

The biggest fall in premiums for Orange drivers happens when they hit their 20s. Once out of the teenage age range, people save an average of $3,790. In Orange, turning 70 means a rise in insurance rates. Up until then, moving between age groups means decreasing prices. With car insurance payments of $6,238 on average, teenage drivers have the highest rates amongst all the age groups. Among all age groups, drivers in their 60s have the smallest car insurance payments, with rates of $1,451. However, people in their 50s ($1,489) have premiums that aren't much higher.

  • Teenagers: $6,238
  • 20s: $2,447
  • 30s: $1,654
  • 40s: $1,602
  • 50s: $1,489
  • 60s: $1,451
  • 70s: $1,622

* Credit score is considered discriminatory in California and thus is not used as a rating factor when determining how much you'll pay for auto insurance.