Orange, CA Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Orange.
How much does car insurance cost in Orange?
Car insurance coverage costs an average of $916 each six-months in Orange. That's cheaper than the statewide average in California ($934) and more expensive than the national average of $880. Our guide to Orange car insurance includes average rates based on age, credit score, and other factors. Read on to learn more!
| Car insurance in Orange vs. California | Average 6 Mo. Premium |
|---|---|
| Orange average | $916 |
| California average | $934 |
The Zebra's key takeaways about car insurance in Orange:
- The average cost of a car insurance policy in Orange is $916 per six-month policy — $152 per month.
- The cheapest company in Orange is GEICO ($624).
- 35% of Zebra customers in Orange stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Orange car insurance rates by company
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 most affordable insurance option in Orange. You can also check out our list of the top-rated auto insurance companies based in part on The Zebra's Customer Satisfaction Survey. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Orange.
Orange auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 33% of Orange drivers. The age group that pays the least for car insurance in Orange are drivers in their 60s ($821 per six-months). Drivers in their 50s pay marginally higher rates — $825 per six-months.
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.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $3,368 |
| 20s | $893 |
| 30s | $893 |
| 40s | $864 |
| 50s | $825 |
| 60s | $821 |
| 70s | $957 |
Orange car insurance rates by credit score
It's no secret credit score is closely correlated with car insurance rates. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance.
Orange car insurance rates by violation
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. Drivers in the city of Orange 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.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DUI/DWI | $2,442 |
| Reckless Driving | $2,490 |
| At-fault Accident (damages less than $1,000) | $920 |
| At-fault Accident (damages greater than $2,000) | $1,604 |
| Speeding Ticket (16-20 mph over speed limit) | $1,287 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.