Best cheap car insurance in Orange, California

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The cheapest car insurance company in Orange, California, is Wawanesa, according to Bankrate’s 2021 study of quoted annual premiums. While the average cost of minimum coverage is $758 per year and a full coverage policy averages $1,976 annually (or about $165 per month), there are multiple options for the best, cheap car insurance companies in Orange.

In addition to finding the cheapest rates, Bankrate analyzed several other factors to find the best car insurance in Orange. Third-party ratings for customer satisfaction and financial strength were considered, as well as digital offerings, such as a mobile app. Drivers in the area can be assured affordable rates are possible, along with finding reliable insurance companies in Orange.

Best cheap car insurance companies in Orange

Wawanesa, Geico, Capital, Mercury and Travelers were all found to have the cheapest car insurance rates in Orange according to our research. The average cost of car insurance in Orange is $1,976 per year, which is well above the national average of $1,674 per year. However, there are cheaper carriers available. When looking for affordable rates, drivers can weigh both low premiums and different companies’ coverage options, discounts and customer service to find the best car insurance in Orange.

Bankrate took a deeper dive into these categories and reviewed findings from the 2021 J.D. Power Auto Insurance Study, AM Best ratings for financial strength and coverage options and discounts offered by providers in California. Using this information, our insurance editorial team calculated a Bankrate Score for each provider out of 5 total points.

Insurance company Bankrate Score J.D. Power score (California) Average annual premium for full coverage Average annual premium for min coverage
Wawanesa 2.6 853/1,000 $1,522 $632
Geico 4.5 841/1,000 $1,538 $532
*Capital 4.6 Not rated $1,576 $734
Mercury 4.5 816/1,000 $1,646 $669
Travelers 4.5 Not rated $1,685 $724

*Capital is part of Auto-Owners Insurance Group.

Wawanesa

The least expensive full coverage rates in Orange belong to the regional insurance provider Wawanesa. Not only is it one of the cheapest car insurance companies in Orange on average, it also pulls in the highest score for the 2021 J.D. Power customer satisfaction rankings for California. Wawanesa offers a full lineup of coverage options, including special equipment vehicle coverage.

Wawanesa struggles a bit in the number of discounts it offers to drivers in California, currently limited to six options. It also does not appear to offer a mobile app for convenient policy management, though one may have once been available. However, its A (Excellent) AM Best rating for financial strength, lower rates and strong customer service marks may be enough for drivers to consider.

Learn more: Wawanesa Insurance review

Geico

Geico offers competitive rates for full coverage policies and also has the cheapest rates for a minimum coverage policy in Orange of the providers on our list. It also receives one of the highest J.D. Power customer satisfaction scores. Geico offers a tremendous number of discounts, ranging from student drivers to military, which may help drivers in Orange save even more on policies.

Where Geico lacks is with the number of coverage options. It is more limited versus other insurance providers. Standard options are available, but only a handful of specialty coverage options exist, such as mechanical breakdown coverage.

Learn more: Geico Insurance review

Capital

Capital, which operates under Auto-Owners, receives the highest Bankrate Score on our list of 4.6 out of 5. Capital offers a full range of coverage options and a few discounts. If you happen to have a Capital home insurance policy, you could even combine it with a Capital auto policy for a single payment up front or monthly payments.

Potential customers may be frustrated by not being able to obtain a quote online. However, once you are a policyholder, you do have access to the online portal and mobile app for complete policy management, as well as access to a local agent.

Learn more: Auto-Owners Insurance review

Mercury

Mercury offers standard auto coverage, but is known for offering affordable rates. One reason is because the insurance carrier offers a large number of discounts for additional driver savings, including bundling and auto-pay discounts.

If you are looking for an auto policy to personalize, Mercury may not be the strongest option. Although, it does offer mechanical breakdown coverage for drivers who are looking for something to add to a basic policy.

Learn more: Mercury Insurance review

Travelers

Travelers may not have the cheapest rates among the providers on our list, but it does have multiple reasons why it may be the one of the best car insurance companies in Orange. Travelers offers an extensive list of coverage options so drivers can build out their policy in a variety of ways. Additionally, the large number of discounts offers some potential savings. Travelers also provides a highly-rated app for easy smartphone policy management.

Travelers’ higher rates stand out as being a barrier for some drivers. However, its A++ (Superior) financial strength rating from AM Best plus the range of coverage options may make it worth considering.

Learn more: Travelers Insurance review

How to get and keep the cheapest car insurance in Orange

Once you find car insurance in Orange with the carrier you are most interested in signing with or are already covered by, there are ways to ensure you are paying the most competitive rates possible. Get the most out of your policy with these methods for obtaining the cheapest rates:

  • Comparison shop: It pays to shop around for car insurance in Orange. Comparing rates from multiple carriers — especially when comparing the exact same coverage options — helps drivers clearly see which carrier offers the greatest savings.
  • Keep a clean driving record: Staying accident-free and claims-free are some of the most effective ways to maintain lower rates and qualify for safe driving discounts.
  • Review all discounts: Be sure to periodically review the discounts offered from insurance providers, since this may update over time. Your circumstances may also change, which could allow you to earn more discounts, such as becoming a homeowner or purchasing a new vehicle.

Frequently asked questions

What is the best car insurance company?

To find the best car insurance company in Orange, drivers often find success by comparing multiple companies, reviewing financial strength ratings, coverage options, discounts and customer satisfaction ratings. It may also be helpful to review how easy it is to access information online or via an app. You may want to consider if you prefer working with an agent or prefer a digital experience.

How can I lower my car insurance rates in Orange?

Another strategy to lower car insurance rates in Orange could be raising your deductible. This is the out-of-pocket cost you would pay if you filed a claim and the lower the deductible is, the higher the premiums. You’ll want to ensure you can afford the higher out-of-pocket cost if you decide to use this method. You could also consider signing up for telematics-based programs, as they could allow you to save by demonstrating safe driving habits.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Sara Coleman
Insurance Contributor
Sara Coleman has three years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Edited by
Insurance Editor