Compare Fullerton, CA Car Insurance Rates (2021)

On average, Fullerton, California car insurance costs $317 per month or $3,811 annually. The cheapest Fullerton, CA car insurance company is USAA, followed by GEICO. However, your individual Fullerton, CA car insurance quotes vary depending on your driving history and coverage needs. Legally, all Fullerton residents must carry at least the California minimum car insurance limits of 15/30/5 in liability coverage to drive on the roads.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 12, 2021

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Here's What You Need to Know

  • The cheapest Fullerton, CA car insurance company is USAA, followed by GEICO
  • Overflow traffic congestion from the nearby city of Los Angeles and high auto theft statistics influence your Fullerton, CA car insurance rates
  • Your regional Fullerton car insurance costs are average for the state of California

On average, Fullerton, California car insurance costs $317 per month or $3,811 annually. However, your Fullerton, CA car insurance rates vary based on your driving record and coverage needs.

Below, compare the average annual rates the top providers charge Fullerton residents for coverage and learn how you can secure cheap car insurance in your city.

Monthly Fullerton, CA Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Fullerton, CA auto insurance rates by ZIP Code below:

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Fullerton, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

What city you reside in will impact your car insurance. That’s why it’s essential to compare Fullerton, CA against other top US metro areas’ auto insurance costs.

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When you’re ready to buy Fullerton, CA car insurance, enter your ZIP code into our free quote tool above to receive rates from the top providers near you immediately.

What is the cheapest car insurance company in Fullerton, CA?

Who are the best California car insurance companies? The cheapest Fullerton, CA car insurance company is USAA. However, only military personnel are eligible to use USAA services.

The next most affordable Fullerton, CA car insurance quotes come from GEICO. The company is available to everyone.

The cheapest Fullerton, CA car insurance providers can be found below. You also might be wondering, “How do those Fullerton, CA rates compare against the average California car insurance company rates?” We uncover that too.

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Take a look at the following list to compare the average annual rates the top providers charge Fullerton residents for car insurance, organized by least to most expensive:

  • USAA – $2,736.43
  • GEICO – $2,904.07
  • Progressive – $3,052.48
  • Liberty Mutual – $3,093.36
  • Travelers – $3,520.45
  • State Farm – $4,270.22
  • Farmers – $4,822.01
  • Allstate – $4,864.93
  • Nationwide – $5,037.92

Keep in mind that every insurance company uses a unique formula to calculate car insurance costs.

Your driving record and coverage needs influence your overall costs.

However, in the state of California, non-driving factors, like gender and credit history, cannot impact what you pay.

To secure your lowest possible rates, be sure you compare quotes from more than one of the providers listed above.

Fullerton, California car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

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Your coverage level will play a major role in your Fullerton, CA car insurance costs. Find the cheapest Fullerton, CA car insurance costs by coverage level below:

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Your driving record will affect your Fullerton, CA car insurance costs. For example, a Fullerton, California DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Fullerton, California car insurance costs by driving record.

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Controlling these risk factors will ensure you have the cheapest Fullerton, California car insurance. Factors affecting car insurance rates in Fullerton, CA may include your commute, coverage level, tickets, DUIs, and credit.

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Age is a significant factor for Fullerton, CA car insurance rates. Young drivers are often considered high-risk. Fullerton, California does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Fullerton, CA.

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What car insurance coverage is required in Fullerton, CA?

Legally, all Fullerton residents must carry at least the California minimum car insurance limits to drive on the roads.

What happens if you have no car insurance in California? A one-year registration suspension plus fines of up to $500.

Currently, California requires the following coverage levels:

  • $15,000 per person and $30,000 per incident in bodily injury liability coverage
  • $5,000 in property damage liability coverage

Insurance companies must also offer you at least $1,000 in Medical Payments (MedPay) coverage, but you can turn it down by signing a waiver.

California is an at-fault or tort state. If you cause an accident, your liability car insurance coverage pays for the damages to the other party involved.

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What affects car insurance rates in Fullerton, CA?

Overflow traffic from the nearby city of Los Angeles plus higher than average auto theft statistics impacts your Fullerton car insurance premiums.

While no data exists for Fullerton specifically, INRIX ranks Los Angeles as the 5th most congested city in America. According to City-Data, the average commute length for Fullerton residents is 30.5 minutes.

Driving often in heavy commuter traffic puts you at a higher risk of getting into a car accident, increasing your car insurance prices.

Unfortunately, Fullerton’s auto theft statistics are also higher than the state average, another factor that increases your car insurance costs.

The Federal Bureau of Investigation (FBI) recorded 386 car thefts in 2017, a rate of 272.5 cars stolen per every 100,000 people.

However, the mild and temperate weather patterns help balance out your Fullerton, CA auto insurance rates.

Fullerton, CA Car Insurance: The Bottom Line

Overall, Fullerton car insurance rates are average compared to the rest of California.

By comparison shopping online and seeking out car insurance discounts, you’ll quickly secure cheap Fullerton, CA car insurance rates.

Now that you’re ready to buy Fullerton, CA car insurance, enter your ZIP code into our free quote tool below and immediately receive rates from reputable companies in your city.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Average Monthly Car Insurance Rates by State
Monthly Fullerton, CA Car Insurance Rates by ZIP Code
Fullerton, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Fullerton, CA Car Insurance Rates by Company vs. City Average
Fullerton, CA Car Insurance Rates by Company and Age
The Cheapest Fullerton, CA Car Insurance Rates by Coverage Level
The Cheapest Fullerton, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Fullerton, CA
Average Monthly Car Insurance Rates by Age & Gender in Fullerton, CA
Monthly Fullerton, CA Car Insurance Rates by ZIP Code
Fullerton, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Fullerton, CA Car Insurance Rates by Company vs. City Average
Fullerton, CA Car Insurance Rates by Company and Age
The Cheapest Fullerton, CA Car Insurance Rates by Coverage Level
The Cheapest Fullerton, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Fullerton, CA
Average Monthly Car Insurance Rates by Age & Gender in Fullerton, CA