Compare Orange, CA Car Insurance Rates (2021)

The cheapest Orange, CA car insurance is offered by Progressive. Auto insurance in Orange must meet the state minimum liability requirements of 15/60/5, but drivers are encouraged to increase these limits and add additional coverages. Compare Orange, CA auto insurance rates online to find the best deal for you.

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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: Mar 19, 2021

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Here's what you need to know...

  • Progressive offers the cheapest car insurance to all Orange, CA drivers
  • Orange, CA car insurance is more expensive than the national average
  • Drivers may qualify for the California Low-Cost Auto (CLCA) program

Although Orange, CA car insurance is more expensive than the national average, it is still less expensive than the California car insurance average.

However, you can still find affordable Orange, CA car insurance by comparison shopping. Shop multiple companies to find cheap car insurance for you.

Enter your ZIP code now to compare Orange, CA car insurance rates for free.

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

Although USAA actually offers the cheapest car insurance in Orange, it only offers coverage to the military, veterans, and their families. The company that offers the cheapest car insurance to all drivers in Orange, CA is Progressive.

The top Orange, CA car insurance companies listed from least to most expensive are:

  • USAA – $2,660.27
  • Progressive – $2,771.98
  • Liberty Mutual – $2,850.51
  • GEICO – $2,872.16
  • Travelers – $3,227.87
  • State Farm – $4,090.93
  • Nationwide – $4,494.17
  • Allstate – $4,599.19
  • Farmers – $4,695.11

Your car insurance rates are affected by many different factors, such as your age and driving record. Where you live affects your rates also. Larger cities with more crime and traffic will pay more for car insurance. For example, Los Angeles car insurance is more expensive than coverage in Orange.

Also, California does offer low-cost auto insurance for low-income drivers. The California Low-Cost Auto (CLCA) program offers very low coverage for drivers who meet certain requirements.

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What car insurance coverage is required in Orange, CA?

Almost every state requires at least a minimum amount of auto insurance for drivers to drive legally. California is no exception.

The minimum auto insurance requirements in California for Orange drivers are:

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

These minimums are very low, and drivers should consider raising these limits and carrying additional coverages. In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered.

Consider adding collision and comprehensive coverages. Collision insurance helps pay for damages from an accident. Comprehensive insurance covers damages not resulting from an accident, such as damages from Orange, CA weather.

What affects car insurance rates in Orange, CA?

Traffic can have an impact on your auto insurance rates because more cars equal a greater chance of an accident.

INRIX doesn’t have data for Orange. Los Angeles, CA is the closest city with data, and INRIX ranks it as the fifth most congested city in the U.S.

City-Data reports that most Orange, CA drivers commute about 35 minutes, and a significant number of drivers commute an hour or more.

Theft can also drive up your car insurance rates. According to the FBI, there were 341 motor vehicle thefts in one year in Orange, CA.

Orange, CA Car Insurance: The Bottom Line

Car insurance in Orange is more expensive than the national average. However, drivers may qualify for discount insurance through the CLCA program if they meet certain requirements.

Before you buy Orange, CA car insurance, shop around and compare rates to find the best deal for you.

Enter your ZIP code to compare free Orange, CA car insurance quotes from multiple companies.

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