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 Average||United States Average|
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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 Company||Average Annual Rate|
Auto insurance premiums by age in Orange
The age group that pays the least for car insurance in Orange are drivers in their age_60s ($1,642per year). Drivers in their age_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 bracket||Average Annual Rate|
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 Status||Average Annual Rate|
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. Orange drivers 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
|Violation||Average Annual Rate|
|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|
Orange car insurance rates by credit score
It's no secret credit score is closely correlated with car insurance rates. Orange drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 0% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Orange, improving your credit to "Fair" could help you earn a $0 decrease in yearly insurance premiums.
ORANGE AUTO INSURANCE RATES BY CREDIT SCORE
|Credit Level||Average Annual Rate|