Cheapest Car Insurance In Orange County, CA 2025
GEICO offers the cheapest liability-only car insurance in Orange County, with an average rate of $64 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When scouring for the cheapest car insurance in Orange County, CA, the options can vary greatly.
For those seeking the cheapest liability-only coverage, GEICO emerges as the most affordable option. Meanwhile, drivers looking for more comprehensive protection find that Wawanesa offers the best rates for full coverage policies. While USAA offers the cheapest car insurance rates for young drivers.
Key Takeaways
Orange County’s cheapest liability-only car insurance company is GEICO.
Car insurance in Orange County costs an average of $162 per month.
To get the lowest rates, shop around and compare quotes from multiple carriers.
Cheapest Liability-Only Car Insurance In Orange County – GEICO
GEICO is the cheapest car insurance company for minimum coverage car insurance in Orange County, with an average monthly cost of $64.
Use the table below to compare rates across different insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| AAA | $71 | $852 |
| GEICO | $64 | $768 |
| Mercury | $76 | $912 |
| Progressive | $82 | $984 |
| Wawanesa | $69 | $828 |
Cheapest Full Coverage Insurance In Orange County – Wawanesa
Wawanesa has the cheapest car insurance rates for full coverage. Their quotes average $$144 a month in Orange County.
The table below compares average auto insurance quotes from affordable insurers in Orange County.
| Provider | Average Monthly Cost | Average Annual Cost |
| AAA | $159 | $1,908 |
| GEICO | $148 | $1,776 |
| Mercury | $153 | $1,836 |
| Progressive | $162 | $1,944 |
| Wawanesa | $144 | $1,728 |
Cheapest Car Insurance For Senior Drivers – GEICO
GEICO offers the cheapest car insurance policy for seniors in Orange County, at an average rate of $158 a month.
The below table shows average quotes from the cheapest auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| AAA | $163 | $1,956 |
| Farmers | $171 | $2,052 |
| GEICO | $158 | $1,896 |
| Mercury Insurance | $167 | $2,004 |
| State Farm | $160 | $1,920 |
Cheapest Car Insurance In Orange County For Teenagers – USAA
Teenage drivers in Orange County can find the cheapest quotes from USAA, with average monthly premiums of $366.
The table below shows the companies with the cheapest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $398 | $4,776 |
| GEICO | $379 | $4,548 |
| Progressive | $407 | $4,884 |
| State Farm | $386 | $4,632 |
| USAA | $366 | $4,392 |
Find Affordable Orange County Rates
Cheapest Car Insurance In Orange County After A Speeding Ticket – Kemper
Kemper offers the cheapest car insurance in Orange County, with average rates of $221 a month for drivers who have a speeding ticket on their record.
You can use the table below to find average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| AAA | $238 | $2,856 |
| GEICO | $229 | $2,748 |
| Kemper | $221 | $2,652 |
| Mercury | $235 | $2,820 |
| State Farm | $226 | $2,712 |
Cheapest For Drivers With After At-Fault Accident – GEICO
GEICO offers the cheapest car insurance quotes for drivers with an at-fault incident, with an average rate of $239 per month.
Here are the car insurance companies with the cheapest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| AAA | $247 | $2,964 |
| GEICO | $239 | $2,868 |
| Mercury Insurance | $258 | $3,096 |
| Progressive | $266 | $3,192 |
| State Farm | $252 | $3,024 |
Cheapest Rates In Orange County For Drivers After A DUI – CSAA
CSAA offers the cheapest rates for drivers after a DUI in San Francisco, with average monthly premiums of $262.
Drivers in Orange County with a DUI can find the cheapest rates in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| CSAA | $262 | $3,144 |
| GEICO | $276 | $3,312 |
| Mercury | $268 | $3,216 |
| Progressive | $284 | $3,408 |
| State Farm | $270 | $3,240 |
Best Car Insurance Companies In Orange County
Drivers in Orange County can find the most affordable insurance with USAA for $218 a month. Orange County drivers might want to also consider GEICO at $234 a month, or State Farm at $238 per month.
Shown below are the top 10 car insurance companies in Orange County, CA, ranked by the average monthly rate they offer.
| Company | Monthly Premium |
| AAA | $243 |
| Allstate | $267 |
| Farmers Insurance | $258 |
| GEICO | $234 |
| Liberty Mutual | $279 |
| Mercury Insurance | $246 |
| Nationwide | $252 |
| Progressive | $263 |
| State Farm | $238 |
| USAA | $218 |
Average Car Insurance Cost In Orange County
Car accident statistics, weather patterns and other area-specific factors all influence car insurance costs, meaning that what you pay for car insurance in one area will be different to what you pay in another area.
According to our latest research, the average cost of car insurance in Orange County is $162 per month, compared to the California state average of $210, and the national average of $172 per month.
| Area | Average Monthly Rate |
| National | $172 |
| California | $210 |
| Orange County | $162 |
Average Auto Insurance Rates In Orange County – By Age
Age is a key determinant in car insurance rate calculations. Typically, younger drivers encounter higher insurance premiums due to their lack of experience and statistically higher likelihood of accidents and traffic violations. Teenagers can expect to pay around $6,725 per year for car insurance.
As drivers reach 25 years old, their rates usually begin to decrease, assuming they maintain a clean driving record.
The most competitive insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk, which in turn influences the cost of premiums.
| Age | Average Yearly Rate |
| Teenagers | $6,725 |
| 20s | $3,445 |
| 30s | $3,085 |
| 40s | $2,945 |
| 50s | $2,785 |
| 60s | $2,705 |
| 70s | $2,895 |
Average Car Insurance Rates In Orange County – By Vehicle
The type of vehicle you own plays a significant role in determining your car insurance costs. Insurance companies take into account factors such as the make, model, year, and body type of the car. Typically, newer vehicles, particularly luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.
You can use the table below to find average rates in Orange County for different vehicles.
| Vehicle | Average Monthly Rate |
| Acura RDX | $263 |
| Chevrolet Malibu | $246 |
| Honda Passport | $258 |
| Subaru Impreza | $239 |
| Toyota Highlander Hybrid | $267 |
Find Affordable Orange County Rates
Average Cost Of Auto Insurance In Orange County – By Zip Code
Zip codes help insurers to determine crime rates in your area. Therefore, each zip code has different car insurance rates.
You can use the table below to find average insurance rates for different zip codes in Orange County.
| Zip Code | Average Monthly Rate |
| 92627 | $198 |
| 92704 | $212 |
| 92801 | $205 |
| 92677 | $194 |
| 92805 | $209 |
How Much Is Car Insurance In Other Cities In California?
The city in which you live greatly influences your car insurance rates. Insurance companies evaluate numerous factors associated with your location, including the probability of accidents, vehicle theft, and vandalism rates, which are generally higher in urban areas. This heightened risk often results in higher premiums.
For example, drivers in San Francisco can expect to pay around $176 per month for car insurance, while residents of Sacramento pay an average rate of $116 per month.
| City | Average Monthly Rate |
| Redlands | $143 |
| Danville | $125 |
| Bakersfield | $145 |
| Fresno | $132 |
| Sacramento | $116 |
| San Jose | $154 |
| San Francisco | $176 |
| Berkeley | $151 |
| Pasadena | $158 |
| Modesto | $137 |
| Riverside | $141 |
| Stockton | $146 |
| Lancaster | $149 |
| Culver City | $162 |
| Jurupa Valley | $138 |
| Cerritos | $144 |
| Gilroy | $135 |
| Hawthorne | $159 |
| Lynwood | $161 |
| Norwalk | $148 |
| Palo Alto | $152 |
| Pleasanton | $134 |
| Anderson | $122 |
| Los Angeles | $175 |
| Santa Ana | $154 |
| Redding | $127 |
| Ontario | $140 |
| Palmdale | $150 |
| San Diego | $143 |
FAQs
Who has the lowest car insurance rates in Orange County?
The lowest car insurance rates in Orange County are offered by GEICO for the minimum coverage required by the State of California and Wawanesa for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Orange County?
The average cost of car insurance in Orange County is about $162 per month. Rates will vary based on your zip code, year and model of car, driving record, etc.
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Orange County, CA.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
About Bob Phillips
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