Cheapest Car Insurance Quotes in Fullerton

Finding the cheapest car insurance quotes in Fullerton shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

401,895 Policies Sold

Fullerton Car Insurance

^$ 29

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Fullerton

The car insurance rate in Fullerton is $1227 for a six-month policy, which is $112 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $706, making it a popular choice for budget-conscious drivers. Rates in Fullerton can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Fullerton

$1227

Avg. Car Insurance in California

$1115

National Average

$1140

Cheapest Car Insurance Companies in Fullerton

1st place: CSAA

At $706 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $947 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA SoCal

AAA SoCal offers auto insurance rates at $1038 for six months, making it the third cheapest auto insurance company in Fullerton.

Fullerton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fullerton, CA is CSAA, offering policies at just $706 for a six-month term. This is followed by Mercury, which has an average six-month premium of $947.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1509 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fullerton drivers find the best deals.

Cheap Car Insurance Companies in Fullerton, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$706	$119
Mercury	$947	$160
AAA SoCal	$1038	$173
Progressive	$1091	$184
USAA	$1156	$195
Allstate	$1196	$201
Wawanesa	$1202	$202
AAA NorCal	$1216	$207
Auto Club	$1254	$209
State Farm	$1327	$223
Kemper	$1562	$261
Farmers	$1745	$297
AAA	$1509	$252

Key Takeaways

Way's key takeaways about car insurance in Fullerton

The auto insurance costs in Fullerton fall around $706 for six months.
The cheapest auto insurance company in Fullerton is CSAA.
Teen drivers pay the highest rate in Fullerton at $641 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Fullerton

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Fullerton are given below.

CSAA provides the cheapest minimum car insurance coverage in Fullerton. Their Average 6 Month Premium is $169. Farmers is the most expensive at $556 for the same period.

Cheapest Liability Coverage in Fullerton, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$169	$29
USAA	$314	$53
AAA NorCal	$327	$55
AAA SoCal	$373	$64
Progressive	$380	$64
Auto Club	$385	$66
State Farm	$398	$67
Wawanesa	$405	$68
Mercury	$431	$73
AAA	$464	$79
Allstate	$464	$78
Farmers	$556	$95

Cheapest Full Coverage Car Insurance in Fullerton

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Fullerton is CSAA at $119 per month and $706 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fullerton, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$706	$119
Mercury	$947	$160
AAA SoCal	$1038	$173
Progressive	$1091	$184
USAA	$1156	$195
Allstate	$1196	$201
Wawanesa	$1202	$202
AAA NorCal	$1216	$207
Auto Club	$1254	$209
State Farm	$1327	$223
Kemper	$1562	$261
Farmers	$1745	$297
AAA	$1509	$252

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Fullerton Instantly!

Average Car Insurance in Fullerton by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Fullerton, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Fullerton, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Fullerton's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Fullerton

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$644
30s	Wawanesa	$519
40s	Wawanesa	$519
50s	Wawanesa	$519
60s	Wawanesa	$519
70s	Wawanesa	$508

Cheapest Car Insurance Rates for Teen Drivers in Fullerton,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Fullerton at $76 per month. At $3849 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$458	$76
Capital Insurance Group	$575	$98
USAA	$1372	$231
Mercury	$1392	$234
Wawanesa	$1529	$255
Progressive	$1601	$270
CSAA	$1927	$325
State Farm	$2287	$385
AAA SoCal	$2476	$413
Allstate	$2653	$447
Auto Club	$2829	$472
AAA NorCal	$3770	$641
Farmers	$3849	$641

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Fullerton.

As young drivers face the highest rates in Fullerton, Wawanesa offers the cheapest auto insurance rates at $644 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Fullerton.

Car Insurance Rates with An Accident in Fullerton

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Fullerton, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Fullerton

The cheapest car insurance companies after an at-fault accident in Fullerton include AAA and Capital Insurance Group, offering $411 and $601, respectively. Allstate is an expensive provider with an average six-month premium of $2960.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$411	$68
Capital Insurance Group	$601	$102
CSAA	$804	$135
Mercury	$1163	$196
USAA	$1202	$202
Progressive	$1392	$234
Wawanesa	$1698	$283
AAA SoCal	$1784	$304
Auto Club	$1882	$314
Farmers	$1934	$326
State Farm	$2300	$387
AAA NorCal	$2463	$419
Allstate	$2960	$498

Fullerton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fullerton CA. For example, the car insurance in Fullerton after a DUI increases to $1914 for a six month policy. While the rate increases by $502 for a six-month policy in the case of a speeding ticket.

Fullerton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1196	$199
Not-at-fault accident	$1196	$204
One comp claim	$1196	$199
One Med/PIP claim	$1196	$204
Two comp claims	$1196	$199
Two Med/PIP claims	$1196	$204
At-fault accident - less than $1000	$1222	$204
Failure to show documents	$1575	$267
Driving with expired registration	$1607	$268
Driving without lights	$1607	$273
Failure to wear a seat belt	$1614	$270
Child safety restraint	$1627	$276
Speeding 11 - 15 MPH over limit	$1692	$282
Speeding 16 - 20 MPH over limit	$1692	$288
Driving too slowly	$1698	$283
Failure to stop at a red light	$1698	$289
Failure to yield	$1698	$283
Following too closely	$1698	$289
Illegal turn	$1698	$283
In 65 MPH zone	$1698	$289
Speeding 21 - 25 MPH over limit	$1698	$283
Speeding 6 - 10 MPH over limit	$1698	$289
Speeding in school zone	$1698	$283
Improper passing	$1705	$290
Cell phone violation	$1712	$285
Texting while driving	$1712	$292
Passing school bus	$1731	$288
Wrong way/wrong lane	$2025	$344
Operating a vehicle without permission	$2071	$345
At-fault accident - $1000-$2000	$2085	$354
At-fault accident - greater than $2000	$2085	$348
Open container	$2091	$355
Driving with a suspended license	$2424	$404
Reckless driving	$2954	$503
Racing	$2987	$497
Leaving scene of an accident/hit and run	$2999	$510
DUI	$3110	$518
Refusal to submit to a chemical test	$3110	$529

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Fullerton after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Fullerton.

The cheapest car insurance premiums in Fullerton are offered by Capital Insurance Group at $895 for a six-month policy. However, it can be as expensive as $823 with companies like AAA.

Fullerton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$895	$152
Mercury	$1065	$179
Travelers	$1242	$211
Progressive	$1575	$265
Wawanesa	$1914	$326
Farmers	$2032	$342
USAA	$2163	$364
CSAA	$2287	$385
AAA SoCal	$3307	$562
Auto Club	$3783	$630
AAA NorCal	$4358	$741
State Farm	$4652	$783
Allstate	$4789	$806
AAA	$823	$140

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Fullerton are offered by CSAA at $105. However, it can be as expensive as $2470 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Fullerton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$105	$18
Capital Insurance Group	$575	$98
Mercury	$980	$165
USAA	$1026	$175
Progressive	$1104	$186
AAA NorCal	$1529	$260
AAA SoCal	$1640	$273
Allstate	$1686	$287
State Farm	$1784	$297
Farmers	$2470	$420

Car Insurance Price Trends in Fullerton, California

Car insurance rates in Fullerton have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Fullerton remained steady at $211 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Fullerton rose to $61 in January, compared to $59 in December. This represents an increase of $2 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Average Car Insurance Cost in Fullerton by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Fullerton. At $1447 for a six-month policy, insuring your car at 92832 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
92832	$1447	$242
92833	$1680	$281
92831	$1545	$259
92835	$1422	$238

Frequently Asked Questions

How much is car insurance in Fullerton?

The car insurance in Fullerton is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Fullerton?

The cheapest car insurance in Fullerton is $119 per month for full coverage.

How much is car insurance in Fullerton for teenagers?

Car insurance for teenagers costs $458 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

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

The average cost of car insurance is $1115 for a six-month policy. It will cost around $206 per month to insure your car in Fullerton.

Is car insurance expensive in Fullerton?

Car insurance can be expensive in Fullerton if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Fullerton can be affordable.

Cheapest Car Insurance Quotes in Fullerton

Why you can trust Way?

How Much Is Car Insurance in Fullerton

Avg. Car Insurance in Fullerton

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Fullerton

1st place: CSAA

2nd place: Mercury

3rd place: AAA SoCal

Fullerton Car Insurance Rates by Company

Cheap Car Insurance Companies in Fullerton, CA

Way's key takeaways about car insurance in Fullerton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fullerton

Cheapest Liability Coverage in Fullerton, CA

Cheapest Full Coverage Car Insurance in Fullerton

Cheapest Full Coverage Car Insurance Quotes in Fullerton, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fullerton by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Fullerton, CA increasing?

Car Insurance Premiums by Age in Fullerton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fullerton,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Fullerton.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Fullerton

Cheapest Car Insurance Companies after an At-Fault Accident in Fullerton

Fullerton Car Insurance Rates by Violation

Fullerton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fullerton after a DUI

Fullerton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fullerton after Speeding ticket

Car Insurance Price Trends in Fullerton, California

Average Car Insurance Cost in Fullerton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fullerton, CA

Car Insurance Rates by State in the USA (2025 Update)

Featured Blogs

Data Sources