Cheapest Car Insurance Quotes in Orange

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Orange Car Insurance

^$ 27

/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 Orange

The car insurance rate in Orange is $1282 for a six-month policy, which is $37 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $661, making it a popular choice for budget-conscious drivers. Rates in Orange 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 Orange

$1282

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Orange

1st place: CSAA

At $661 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $1059 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA NorCal

AAA NorCal offers auto insurance rates at $1076 for six months, making it the third cheapest auto insurance company in Orange.

Orange Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Orange, CA is CSAA, offering policies at just $661 for a six-month term. This is followed by Mercury, which has an average six-month premium of $1059.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1413 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Orange drivers find the best deals.

Cheap Car Insurance Companies in Orange, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$661	$111
Mercury	$1059	$178
AAA NorCal	$1076	$183
Progressive	$1076	$181
Wawanesa	$1126	$190
USAA	$1144	$193
Auto Club	$1174	$200
Allstate	$1309	$220
AAA SoCal	$1382	$235
Kemper	$1463	$244
State Farm	$1567	$264
Travelers	$1750	$291
Farmers	$1756	$299
AAA	$1413	$236

Key Takeaways

Way's key takeaways about car insurance in Orange

The auto insurance costs in Orange fall around $661 for six months.
The cheapest auto insurance company in Orange is CSAA.
Teen drivers pay the highest rate in Orange at $621 per month.

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Cheapest Minimum Liability Car Insurance in Orange

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 Orange are given below.

CSAA provides the cheapest minimum car insurance coverage in Orange. Their Average 6 Month Premium is $159. Travelers is the most expensive at $673 for the same period.

Cheapest Liability Coverage in Orange, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$159	$27
AAA NorCal	$263	$44
USAA	$300	$50
Progressive	$355	$60
Auto Club	$361	$60
Wawanesa	$379	$64
AAA	$435	$72
AAA SoCal	$441	$75
Mercury	$441	$74
State Farm	$483	$81
Allstate	$557	$94
Farmers	$599	$102
Travelers	$673	$112

Cheapest Full Coverage Car Insurance in Orange

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 Orange is CSAA at $111 per month and $661 for six months.

Cheapest Full Coverage Car Insurance Quotes in Orange, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$661	$111
Mercury	$1059	$178
AAA NorCal	$1076	$183
Progressive	$1076	$181
Wawanesa	$1126	$190
USAA	$1144	$193
Auto Club	$1174	$200
Allstate	$1309	$220
AAA SoCal	$1382	$235
Kemper	$1463	$244
State Farm	$1567	$264
Travelers	$1750	$291
Farmers	$1756	$299
AAA	$1413	$236

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Average Car Insurance in Orange 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 Orange, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Orange, 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, Orange's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Orange

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	$618
30s	Wawanesa	$499
40s	Wawanesa	$499
50s	Wawanesa	$499
60s	Wawanesa	$499
70s	Wawanesa	$488

Cheapest Car Insurance Rates for Teen Drivers in Orange,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Orange at $73 per month. At $3726 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$428	$73
Capital Insurance Group	$539	$90
USAA	$1401	$236
Wawanesa	$1432	$239
Progressive	$1640	$276
Mercury	$1701	$286
CSAA	$1805	$304
Auto Club	$2649	$442
State Farm	$2704	$455
Allstate	$3145	$529
AAA SoCal	$3328	$565
AAA NorCal	$3371	$561
Travelers	$3500	$595
Farmers	$3726	$621

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 Orange.

As young drivers face the highest rates in Orange, Wawanesa offers the cheapest auto insurance rates at $618 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.

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

Car Insurance Rates with An Accident in Orange

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 Orange, CA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Orange include AAA and Capital Insurance Group, offering $385 and $562, respectively. Allstate is an expensive provider with an average six-month premium of $3555.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$385	$64
Capital Insurance Group	$562	$96
CSAA	$753	$127
USAA	$1236	$208
Mercury	$1352	$228
Progressive	$1413	$238
Wawanesa	$1590	$265
Auto Club	$1762	$300
Farmers	$1927	$324
AAA NorCal	$2185	$372
AAA SoCal	$2368	$394
State Farm	$2796	$471
Travelers	$3371	$561
Allstate	$3555	$598

Orange Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Orange CA. For example, the car insurance in Orange after a DUI increases to $1792 for a six month policy. While the rate increases by $470 for a six-month policy in the case of a speeding ticket.

Orange auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1120	$186
Not-at-fault accident	$1120	$191
One comp claim	$1120	$186
One Med/PIP claim	$1120	$191
Two comp claims	$1120	$186
Two Med/PIP claims	$1120	$191
At-fault accident - less than $1000	$1144	$191
Failure to show documents	$1475	$250
Driving with expired registration	$1505	$251
Driving without lights	$1505	$255
Failure to wear a seat belt	$1511	$252
Child safety restraint	$1523	$259
Speeding 11 - 15 MPH over limit	$1584	$264
Speeding 16 - 20 MPH over limit	$1584	$270
Driving too slowly	$1590	$265
Failure to stop at a red light	$1590	$271
Failure to yield	$1590	$265
Following too closely	$1590	$271
Illegal turn	$1590	$265
In 65 MPH zone	$1590	$271
Speeding 21 - 25 MPH over limit	$1590	$265
Speeding 6 - 10 MPH over limit	$1590	$271
Speeding in school zone	$1590	$265
Improper passing	$1597	$272
Cell phone violation	$1603	$267
Texting while driving	$1603	$273
Passing school bus	$1621	$270
Wrong way/wrong lane	$1896	$322
Operating a vehicle without permission	$1939	$323
At-fault accident - $1000-$2000	$1952	$332
At-fault accident - greater than $2000	$1952	$325
Open container	$1958	$333
Driving with a suspended license	$2270	$378
Reckless driving	$2766	$471
Racing	$2796	$466
Leaving scene of an accident/hit and run	$2808	$478
DUI	$2912	$485
Refusal to submit to a chemical test	$2912	$495

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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 Orange 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 Orange.

The cheapest car insurance premiums in Orange are offered by Capital Insurance Group at $838 for a six-month policy. However, it can be as expensive as $770 with companies like AAA.

Orange car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$838	$140
Mercury	$1199	$202
Progressive	$1590	$268
Wawanesa	$1792	$305
Farmers	$2013	$339
CSAA	$2141	$361
USAA	$2208	$372
Travelers	$2508	$422
Auto Club	$3542	$590
AAA NorCal	$3873	$658
AAA SoCal	$4344	$724
State Farm	$5513	$928
Allstate	$5617	$946
AAA	$770	$131

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 Orange are offered by CSAA at $98. However, it can be as expensive as $2692 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Orange after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$98	$16
Capital Insurance Group	$539	$92
Mercury	$1157	$195
USAA	$1180	$201
Progressive	$1187	$200
AAA NorCal	$1365	$232
AAA SoCal	$1890	$315
Allstate	$2398	$408
Farmers	$2497	$416
State Farm	$2668	$453
Travelers	$2692	$449

Car Insurance Price Trends in Orange, California

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

The average cost of full coverage in the Orange rose by $218 in January compared to $198 of December. In other words, there has been an increase by $20 when you compare January and December.

The average cost of liability insurance in the Orange rose to $63 in January, compared to $57 in December. This represents an increase of $6 when comparing January and December.

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Average Car Insurance Cost in Orange 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 Orange. At $1461 for a six-month policy, insuring your car at 92865 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
92865	$1461	$245
92866	$1410	$236
92869	$1602	$269
92867	$1667	$279
92868	$1513	$254

Frequently Asked Questions

How much is car insurance in Orange?

The car insurance in Orange is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Orange?

The cheapest car insurance in Orange is $111 per month for full coverage.

How much is car insurance in Orange for teenagers?

Car insurance for teenagers costs $428 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 Orange?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $215 per month to insure your car in Orange.

Is car insurance expensive in Orange?

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

Cheapest Car Insurance Quotes in Orange

Why you can trust Way?

How Much Is Car Insurance in Orange

Avg. Car Insurance in Orange

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Orange

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Orange Car Insurance Rates by Company

Cheap Car Insurance Companies in Orange, CA

Way's key takeaways about car insurance in Orange

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Orange

Cheapest Liability Coverage in Orange, CA

Cheapest Full Coverage Car Insurance in Orange

Cheapest Full Coverage Car Insurance Quotes in Orange, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Orange by Rating Factor

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

Car Insurance Premiums by Age in Orange

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Orange,CA

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

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 Orange

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

Orange Car Insurance Rates by Violation

Orange auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Orange after a DUI

Orange car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Orange after Speeding ticket

Car Insurance Price Trends in Orange, California

Average Car Insurance Cost in Orange by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Orange, CA

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

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