Orange, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Orange, CA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Top 5 Car Insurance Companies in Orange, CA, by Market Share
The average cost of auto insurance in Orange, CA, is $1,402 and is lower than auto insurance in neighboring places such as Santa Ana, Anaheim, and Villa Park. It is also lower than the state average of California. Auto insurance in Orange depends on numerous factors ranging from the make and model of the vehicle to the driver’s age. Below is a list of the top five auto insurance companies in Orange.
STATE FARM:
State Farm occupies the first spot with a massive 4,106,038 direct premiums written and 4,090,146 direct premiums earned. The company holds a market share of 13.74% in California. State Farm received a score of 808/1000 in the J.D. Power Auto Insurance Study. One only needs to go as far as State Farm’s online faculty for an overview of the various insurance coverages they provide. The company is credited with a solid rating of A++ by A.M. Best.
FARMERS:
Farmers occupies a market share of 10.68% in California. The company has 3,191,341 direct premiums written, and 3,189,468 direct premiums earned. The ease of navigating the Farmers website is an added advantage. Farmers ranks a tad low on the J.D. Power Auto Insurance Study with a score of 805/1000. A.M. Best has given Farmers an A rating for its financial strength in the markets.
GEICO:
With 2,897,713 direct premiums written and 2,794,052 direct premiums earned, GEICO is a close third. The company has a market share of 9.69% in California and enjoys an A.M. Best Rating of A++. GEICO received a score of 825/1000 on the J.D. Power Auto Insurance Study, and also received the “Better Than The Most” tag.
ALLSTATE:
Allstate has 2,687,887 direct premiums written and 2,640,022 direct premiums earned in California. Allstate occupies the fourth spot with a market share of 8.99%. The company was one of the leading insurance providers in the auto insurance market back in 2010. Allstate has a J.D. Power Auto Insurance score of 808/1000 and an A.M. Best Rating of A+.
AAA:
AAA enjoys the “Better Than The Most” tag, alongside a J.D. Power score of 834/1000. The company occupies a market share of 8.69%. AAA offers Umbrella Liability Insurance and enjoys an A.M. Best Rating of A. It has 2,598,340 direct premiums written, and 2,470,179 direct premiums earned.
Factors that can influence the cost of car insurance in Orange, CA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Orange, CA Auto Insurance Rates
- Orange, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Orange, CA
- Multi Vehicle Insurance Savings in Orange, CA
- How Credit Score Affects Car Insurance Rates in Orange, CA
- How DUI Affects Auto Insurance Premiums in Orange, CA
- Top Auto Insurance Agents Near Orange, CA
- How Driving Violations Affect Auto Insurance Rates in Orange, CA
- Orange, CA Auto Insurance Discounts on Anti Theft Feature
- Orange, CA Auto Insurance Company Reviews
Orange, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Orange, CA with that of other cities in and around Orange.
| Orange | Santa Ana | Tustin | Anaheim | Anaheim-Santa Ana-Garden Grove | Villa Park | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,402 | $1,531 | $1,390 | $1,615 | $1,941 | $2,171 |
Orange, CA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Orange, CA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Orange | $1,114 | $941 |
| Villa Park | $1,228 | $1,037 |
| Anaheim-Santa Ana-Garden Grove | $1,999 | $1,689 |
| North Tustin | $1,187 | $1,002 |
| Anaheim | $1,762 | $1,489 |
| Tustin | $1,437 | $1,214 |
| Placentia | $1,457 | $1,231 |
| Santa Ana | $1,808 | $1,527 |
Orange, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Orange, CA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,549 |
| 20 Years | $1,801 |
| 30 Years | $1,388 |
| 40 Years | $1,335 |
| 50 Years | $1,236 |
| 60 Years | $1,253 |
| 70 Years | $1,459 |
Orange, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Orange, CA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,439 | $365 |
| 3 Vehicles | $3,659 | $547 |
| 4 Vehicles | $4,879 | $729 |
Savings on 2 Vehicles bundle:$365
Savings on 3 Vehicles bundle:$547
Savings on 4 Vehicles bundle:$729
Orange, CA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Orange, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Orange | $1,402 | $3,452 |
| Villa Park | $2,171 | $5,345 |
| Anaheim-Santa Ana-Garden Grove | $1,941 | $4,779 |
| North Tustin | $2,082 | $5,126 |
| Anaheim | $1,615 | $3,976 |
| Tustin | $1,390 | $3,422 |
| Placentia | $1,432 | $3,526 |
| Santa Ana | $1,531 | $3,770 |
Orange, CA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,203 |
| Excellent (740-799) | $1,373 |
| Good (670-739) | $1,461 |
| Average (580-669) | $1,906 |
| Poor (300-579) | $2,287 |
Orange, CA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Partner Agency Insurance Services Inc | Travelers | 975 W IMPERIAL HWY STE 100, BREA, 92821 | 714-482-9500 |
| Scott Stevens | State Farm | 4482 Barranca Pkwy Ste 224, Irvine, 92604-1732 | 949-552-6601 |
| Lundquist Insurance Services | Travelers | 506 E CHAPMAN, ORANGE, 92866 | 714-633-9100 |
| John Galea | State Farm | 1102 E Chapman Ave, Fullerton, 92831-3813 | 714-526-3344 |
| Sullivan Curtis Monroe Ins Services Llc | Liberty Mutual Independent | 1920 MAIN ST STE 600, IRVINE, 92614 | 949-250-7172 |
| Arthur J Gallagher & Co Ins Brokers Of Ca Inc | Liberty Mutual Independent | 18201 VON KARMAN STE 200, IRVINE, 92612 | 949-349-9800 |
| Frank Ishida | State Farm | 17195 Newhope St Ste 104, Fountain Vly, 92708-4211 | 714-557-7200 |
| Leanne Hang Nguyen | Allstate | 9529 Bolsa Ave, Westminster, 92683 | (714) 839-3512 |
| Golden Bells Insurance Agency | Travelers | 1151 N Magnolia Ave Ste 101, ANAHEIM, 92801 | (714) 828-5810 |
| Taylor & Taylor Ltd | Travelers | 15060 VENTURA BLVD STE 201, SHERMAN OAKS, 91403 | 310-826-7200 |
Orange, CA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$62 | $1,464 |
| Driver's Failure In Showing Documents | +$136 | $1,538 |
| Driving With An Expired Registration | +$144 | $1,546 |
| Driving At A Considerably Slow Pace | +$304 | $1,706 |
| Using A Cellphone While Driving | +$321 | $1,723 |
| Running A Red Light | +$327 | $1,729 |
| Speeding | +$343 | $1,745 |
| Driving A Vehicle Without The Required Permission | +$436 | $1,838 |
| Driving With An Expired/Suspended License | +$945 | $2,347 |
Orange, CA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,346 |
| Active Disabling Device | $1,346 |
| Tracking Device | $1,318 |
| Passive Disabling Device | $1,304 |
Latest Auto Insurance Reviews in Orange, CA | Back to Top
GeicoOverall I am satisfied with Geico insurance company. They handled my claim well and come back with the cheaper premiums comparing with other insurance companies.
State FarmThe coverage is broader with respect to what other insurers offered me, and a cheaper price for the competencies, with a greater range of coverage.
GeicoI would recommend my insurance to my friends and family because my insurance company is very good and they make sure that they take care of there clients the staff is very polite is easy to talk.
EsuranceIt is the same as my home insurance. Unresponsive support team and coverage that is completely unreliable. Not a good service.
GeicoI have found Geico is consistently cheaper than others, on average. But if you're looking for specific coverage options, others may have what you need.
Horace Mann Educators CorporationHorace Mann provides me with excellent service. We have only had to file two claims, and both times were positive experiences. My agent is outstanding and is great to communicate with me.
GeicoThe only thing I dislike about the company is their state to state policy. Geico in each state varies so if you are commuting or living in two places at once it can get confusing but it might be like this for any provdider, i'm not sure.
State FarmMy insurance company does have good customer support and accessibility. When you call them there is always a person talk to quickly. I have never had to wait long at all. Every time I have called they have always been able to answer my questions as needed.
Wawanesa InsuranceWawanesa's premiums are much cheaper than other companies at the same amount of coverage.
MetlifeI like that they partner with my husband's employer so that they can automatically deduct the premium from his paycheck without us having to pay a bill.
MercuryI don't really need to interact with a person and can clearly and easily do what needs to be done online/on the app. When I need to have support though of a person, they've always been easy to get ahold of and helpful.
GeicoThe 6-month teaser rate while great at first, and allowed a minimal down payment, went up significantly at the renewal.
GeicoThe price is perfect and for the services its great.
EsuranceI dislike that when my coverage renews they do not send me a new card in the mail so I have to print it