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Finding the cheapest car insurance quotes in Orange 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.
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 $1616 for a six-month policy, which is $494 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1112, 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.
At $1112 for a six
month policy, New Jersey Manufacturers offers
the cheapest
auto
insurance rates in the city.
2nd place: NJM
NJM offers auto
insurance rates at $1326 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: New Jersey Skylands Insurance
New Jersey Skylands Insurance offers auto insurance
rates at $1344
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, NJ is New Jersey Manufacturers, offering policies at just $1112 for a six-month term. This is followed by NJM, which has an average six-month premium of $1326.
At the higher end of the spectrum, National General is the most expensive, with rates reaching $1463 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.
The auto insurance costs in Orange fall around $1112 for six
months.
The cheapest auto insurance company in Orange is New Jersey Manufacturers.
Teen drivers pay the highest rate in Orange at $1519 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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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.
New Jersey Manufacturers provides
the cheapest minimum car insurance
coverage in Orange. Their Average 6 Month Premium is $513.
National General is the most
expensive at $539 for the same
period.
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 New Jersey Manufacturers
at $189 per month and $1112
for six months.
Cheapest Full Coverage Car Insurance Quotes in Orange,
NJ
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, NJ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Orange, New Jersey, may be increasing due to several external factors.
New Jersey 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
NJM
$1104
30s
NJM
$858
40s
NJM
$795
50s
NJM
$733
60s
NJM
$675
Cheapest Car Insurance Rates for Teen Drivers in
Orange,NJ
If you are planning to get a car insurance policy for your teenage
dependent, New Jersey Skylands Insurance provides the cheapest car
insurance in the Orange at $131
per
month. At $8938 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties NJM is
the best choice for car
insurance in Orange.
As young drivers face the highest rates in Orange, NJM
offers the cheapest auto insurance rates at $1104 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.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Orange,
Amica Mutual is
the cheapest car insurance provider. At $940 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Orange is Farmers, offering
rates of around $8074 for six
months.
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, NJ,
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 New Jersey Skylands Insurance
and NJM, offering $907
and $932,
respectively. National General is an expensive provider
with an average six-month premium of
$625.
Here is a list of driving violations that can increase your car
insurance rates in Orange NJ. For example, the car
insurance in Orange
after a DUI increases to $1814 for a six
month policy. While the rate increases by $249 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
$1668
$278
One Med/PIP claim
$1676
$285
Not-at-fault accident
$1754
$292
One comp claim
$1771
$301
Two Med/PIP claims
$1780
$297
Speeding 6 - 10 MPH over limit
$1917
$325
Speeding 11 - 15 MPH over limit
$1925
$321
Two comp claims
$1925
$327
Failure to show documents
$1950
$325
At-fault accident - less than $1000
$1976
$336
Failure to wear a seat belt
$2002
$334
Driving too slowly
$2010
$341
Driving without lights
$2019
$337
Child safety restraint
$2053
$348
Driving with expired registration
$2053
$343
Wrong way/wrong lane
$2087
$354
Failure to yield
$2095
$350
Failure to stop at a red light
$2104
$357
Illegal turn
$2138
$357
Cell phone violation
$2164
$369
Texting while driving
$2164
$360
Speeding in school zone
$2199
$374
Operating a vehicle without permission
$2208
$367
Speeding 16 - 20 MPH over limit
$2208
$376
Improper passing
$2258
$376
Following too closely
$2267
$386
Passing school bus
$2360
$393
In 65 MPH zone
$2377
$405
Speeding 21 - 25 MPH over limit
$2455
$409
At-fault accident - $1000-$2000
$2523
$429
At-fault accident - greater than $2000
$2540
$423
Open container
$2840
$482
Reckless driving
$3328
$554
Leaving scene of an accident/hit and run
$3456
$588
DUI
$3482
$580
Refusal to submit to a chemical test
$3482
$592
Racing
$3491
$582
Driving with a suspended license
$3627
$616
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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 Plymouth Rock at $1018 for a six-month policy.
However, it can be as
expensive as $7433 with companies
like Amica Mutual.
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 Plymouth Rock
at $932. However,
it can be as expensive as $3370
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Orange after Speeding ticket
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
$354 in December
compared to $350 of November. In other words, there has been an increase by $4 when you
compare December and November.
The average cost of liability insurance in the Orange rose to $124 in December,
compared to $120 in November.
This represents an increase of $4
when comparing December and November.
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 $3231 for a
six-month policy, insuring
your car at 7050 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Orange?
The car insurance in Orange is $85 per month, which is lower than the national average.
What is the cheapest car insurance in Orange?
The cheapest car insurance in Orange
is $189 per month
for full coverage.
How much is car insurance in Orange for teenagers?
Car insurance for teenagers costs $770 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 $1122 for a six-month
policy. It will cost around $272 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.
What is the best car insurance in Orange,
NJ?
The best car insurance company in Orange
NJ is
New Jersey Manufacturers, offering $1112 for a
six-month policy.
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Orange Car Insurance
