Average Car Insurance Cost Orange County

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The cheapest California auto insurance rates are $33 per month ($398/year) for Geico Liability and $117/month ($1,408/year) for USAA Comprehensive Insurance

Average Car Insurance Cost Orange County

Average Car Insurance Cost Orange County

Our Home Media review team researched the best auto insurance in California to bring you a list of the top five providers that offer affordable insurance coverage in the state. Below you will find price estimates for different driver profiles and basic information about California auto insurance requirements.

Cheapest Car Insurance In California (october 2022)

Auto insurance rates in California are much higher than the national average. However, that doesn’t mean drivers can’t find affordable car insurance in the state. Let’s take a look at the cheapest car insurance companies and insurance options in the Golden State below.

Our top picks for the cheapest car insurance in California are Geico, Wawanesa, USAA, State Farm and Mercury Insurance. All of these providers offer reliable car insurance and customer service.

* Our research team considers national factors when evaluating providers. The provider rankings in this table are related to California auto insurance.

Since no two car insurance companies are the same, we recommend comparing quotes from different companies if you want to find the cheapest car insurance in California.

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The level of coverage you purchase as part of your car insurance policy can affect how much you pay for insurance overall. Most quotes from California providers include minimum liability and full coverage car insurance quotes. Minimum liability coverage is usually required in most states, but it does not protect you or your passengers in the event of an accident. If you want to be protected on the road, consider purchasing a full coverage policy.

According to our cost research, Geico offers the cheapest minimum liability coverage in California, averaging $33 per month or $398 per year. USAA, Progressive, CSAA Insurance and Mercury Insurance are also affordable insurance options.

*All drivers in California are required to carry minimum liability coverage, which is the cheapest level of auto insurance.

Average Car Insurance Cost Orange County

At $117 per month or $1,408 per year, USAA is on average the cheapest comprehensive car insurance provider in California. Drivers can also find affordable insurance coverage through Progressive, Geico, Mercury Insurance and Kemper.

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Several factors determine the final price you pay for car insurance in the Golden State. Insurers use your age, location, driving history and credit score to determine the cost of your car insurance.

Age is one of the factors that usually affect car insurance rates the most. Younger drivers can pay hundreds of dollars more for car insurance than other age groups.

Sixteen-year-old California drivers pay the highest auto insurance costs in the state, but that doesn’t mean affordable coverage can’t be found. Our research shows that USAA tends to offer the cheapest auto insurance in the state, costing an average of $3,867 per year or $322 per month.

In California, 17-year-old drivers can usually find cheap car insurance through USAA and Geico. Our research shows that USAA charges an average of $3,520 per year or $293 per month, while Geico’s rates average $4,335 per year or $361 per month.

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According to our research, USAA and Mercury Insurance offer the cheapest auto insurance for 18-year-old California drivers. Geico, State Farm, and Progressive can also be good choices for affordable coverage.

California drivers in their early 20s can find cheaper car insurance rates than teenage drivers. On average, we found that USAA offers the lowest rates for 21-year-old drivers in the state, paying an average of $2,046 per year, or $171 per month.

Our research shows that USAA offers cheap car insurance for 25-year-old drivers. Based on our price estimates, drivers in their mid-20s pay an average of $1,739 a year, or $145 a month, with an insurer.

Average Car Insurance Cost Orange County

Drivers with a recent accident, speeding ticket or DUI pay more for car insurance because insurers consider them high-risk drivers. The sections below provide estimates of the cheapest car insurance rates for drivers who fall into one of these categories.

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The average speeding ticket for drivers in California is $3,560 per year, or about $297 per month. USAA typically offers the cheapest comprehensive coverage policies for these drivers, with an average rate of $1,560 per year or $130 per month. Most insurers charge higher premiums if you have a speeding ticket.

The average auto insurance rate for California drivers with a recent accident is $5,052 per year, or $421 per month. At an average of $2,484 per year or $207 per month, USAA offers the cheapest comprehensive coverage in California with a recent accident. Accidents happen and they increase your car insurance premiums.

Having a DUI on your record means paying much higher premiums for your car insurance, and California drivers with a DUI pay an average of $6,978 per year, or $581 per month. The cheapest comprehensive insurance policies for California drivers with a DUI usually come from Mercury Insurance, which costs an average of $3,525 per year or $294 per month.

The cheapest car insurance companies in California are not only affordable, each also offers comprehensive insurance options for Golden State drivers. The sections below provide more information about our top California auto insurance companies.

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Geico rates are the cheapest in the state for minimum and full coverage auto insurance policies. The company offers various discounts for things like keeping a clean driving record, having vehicle safety features and getting good grades.

In addition to standard coverage, you can add options such as roadside assistance, rental car compensation and classic car coverage. Geico also offers mechanical breakdown insurance, which is similar to an extended warranty and can cover your car if you experience a part failure due to normal use.

Wawanesa Insurance is based in Canada and sells auto insurance in Oregon and California. The company scores about average in some states and provinces, but has one of the best customer service reputations among auto insurers in California. It ranked first in the California region for J.D. Power 2021 US Auto Insurance Survey℠ , which measured overall customer satisfaction with claims, coverage, pricing and more.

Average Car Insurance Cost Orange County

Wawanesa offers a standard type of automatic coverage, but it does not offer a usage-based application or other add-ons. If you want basic coverage as a customer first, Wawanesa is a good choice for car insurance in California.

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USAA auto insurance policies are available to military personnel, veterans and their families. If you qualify, getting a quote from USAA can be a smart choice. USAA tends to offer some of the cheapest auto insurance rates, whether California drivers are looking for minimum or full coverage.

Discounts are available for good students, good drivers, low mileage drivers and more. USAA also offers additional coverage such as accident forgiveness and auto replacement assistance.

State Farm is a great option for students and teenagers looking for car insurance in California. The insurer offers a generous discount of 25% for students, which lasts until the driver turns 25 years old. Teenage drivers and other high-risk drivers can also use State Farm’s Steer Clear® program to save on auto insurance. The auto insurance company also offers a telematics app called Drive Safe & Save™ that monitors driving habits and adjusts rates accordingly.

Mercury Insurance is available in California and 10 other states. Our research found that the insurer is generally one of the cheapest options for policyholders with a record accident or DUI. If you’ve had trouble finding affordable car insurance from other providers because of your driving experience, you may be able to find better rates from Mercury.

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The average cost of comprehensive auto insurance in California is $2,089 per year, or about $174 per month. According to our research, this is almost 21% more expensive than the national average. These ratings are based on a driver profile with 35 years of clean driving experience and a good credit score.

Minimum coverage rates for the same driving profile average $627 per year or $52 per month, making it just 1% cheaper than the national average of $635. The chart below shows the providers that offer the cheapest rates for minimum coverage in California.

Younger drivers are much more likely to be involved in car accidents, so they tend to pay higher insurance costs than drivers in other age groups. We found that 16-year-old drivers pay an average of $6,077 per year for comprehensive car insurance, compared to 30-year-old drivers who pay an average of $2,229 per year for car insurance.

Average Car Insurance Cost Orange County

While rates vary from state to state, they also vary depending on where you live in California. In urban areas like San Diego and San Francisco, car drivers tend to pay higher rates on average than car drivers

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