The cheapest auto insurance company in Orange, Calif. Is Wawanesa, according to Bankrate’s 2021 survey of annual listed premiums. While the average cost of minimum coverage is $ 758 per year, and a full coverage policy costs an average of $ 1,976 per year (or about $ 165 per month), there are several options for the best insurance companies. cheap car insurance 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 rest assured that affordable rates are possible, as well as finding reliable insurance companies at Orange.
Best cheap auto insurance companies in Orange
According to our research, Wawanesa, Geico, Capital, Mercury, and Travelers all have the cheapest auto insurance rates from Orange. The average cost of auto 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. When looking for affordable rates, drivers can weigh both the low premiums and the coverage options, discounts and customer service of different companies to find the best car insurance in Orange.
Bankrate delved into these categories and reviewed the results of the JD Power Auto Insurance study in 2021, the AM Best ratings for financial strength, and the 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 a total of 5 points.
* Capital is part of the Automobile Owners Insurance Group.
Orange’s cheapest full coverage rates are owned by regional insurer Wawanesa. Not only is it one of Orange’s cheapest auto insurance companies on average, it also has the highest score in the JD Power 2021 Customer Satisfaction Rankings for California. Wawanesa offers a full range 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 doesn’t appear to offer a mobile app for convenient policy management, although one has already been available. However, its A (Excellent) AM Best rating for financial strength, lower fares, and good customer service ratings may be enough to factor drivers into consideration.
Learn more: Wawanesa Assurance Reviews
Geico offers competitive rates for full coverage policies and also offers the cheapest rates for minimum coverage policy to Orange from the providers on our list. It also has one of the highest JD Power customer satisfaction scores. Geico offers a number of discounts, ranging from student drivers to military, that can help Orange drivers save even more on policies.
Where Geico lacks is the number of coverage options. It is more limited compared to other insurers. Standard options are available, but there are only a handful of specialized coverage options, such as mechanical breakdown coverage.
Learn more: Geico Assurance review
Capital, which operates under Auto-Owners, receives the highest discount rate score on our list of 4.6 out of 5. Capital offers a full range of coverage options and some discounts. If you have a Capital home insurance policy, you can even combine it with a Capital auto policy for a one-time payment or monthly payments.
Potential customers may be frustrated that they cannot get a quote online. However, once you are insured, you have access to the online portal and mobile app for full policy management, as well as access to a local agent.
Learn more: Automobile Owners Insurance Review
Mercury offers standard auto coverage, but is known for its affordable rates. One of the reasons is that the insurance company offers a large number of discounts for additional savings for drivers, including bundled discounts and auto pay.
If you’re looking for an auto policy to customize, Mercury might not be the most solid option. However, it does offer mechanical breakdown coverage for drivers looking for something to add to a basic policy.
Learn more: Mercury Insurance Review
Travelers might not have the cheapest rates among the providers on our list, but there are several reasons why this may be one of Orange’s best auto insurance companies. Travelers offers a long list of coverage options so that drivers can craft their policy in a variety of ways. In addition, the large number of discounts offers potential savings. Travelers also provides a popular app for easy management of smartphone policies.
Higher passenger fares are proving to be a barrier for some drivers. However, his A ++ financial strength rating (superior) AM Best as well as the range of coverage options may be worth it.
Learn more: Traveler insurance review
How to get and keep the cheapest car insurance in Orange
Once you’ve found Orange auto insurance from the carrier you’re most interested in signing up with or already covered with, there are ways to make sure you’re paying the most competitive rates possible. Get the most out of your policy with these methods to get the cheapest rates:
- Comparison shop: It is worth shopping 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 good driving record: Staying safe from accidents and claims is one of the most effective ways to keep fares lower and receive safe driving discounts.
- Check out all the discounts: Be sure to periodically review the discounts offered by insurers, as these may be updated over time. Your circumstances may also change, which could allow you to get more discounts, such as owning a home or buying a new vehicle.
Frequently Asked Questions
What is the best auto insurance company?
To find the best car insurance company in Orange, drivers are often successful by comparing multiple companies, looking at financial strength ratings, coverage options, discounts, and customer satisfaction ratings. It may also be helpful to consider how easy it is to access information online or through an app. You might want to determine if you prefer working with an agent or if you prefer a digital experience.
How can I lower my auto insurance rates with Orange?
Another strategy for reducing car insurance rates in Orange could be to increase your deductible. This is the outlay you would have to pay if you filed a claim and the lower the deductible, the higher the premiums. You will want to make sure that you can afford the higher cost out of pocket if you decide to use this method. You may also want to consider signing up for telematics-based programs as they might save you money by demonstrating safe driving habits.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:
- $ 100,000 liability for bodily injury per person
- $ 300,000 in civil liability for bodily injury per accident
- Civil liability for property damage of $ 50,000 per accident
- $ 100,000 in bodily injury caused by an uninsured motorist per person
- $ 300,000 in uninsured bodily injury per accident to a motorist
- $ 500 collision deductible
- Global deductible of $ 500
To determine the minimum coverage limits, Bankrate used a minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.
These are sample rates and should be used for comparison purposes only.
Bankrate Scores primarily reflect a weighted ranking of industry standard ratings for financial strength and customer experience, in addition to analysis of annual quoted bonuses from Quadrant Information Services, covering all 50 states and Washington, DC We know It is important for drivers to have confidence in themselves the financial protection covers the most likely risks, is competitively priced, and is provided by a financially sound company with a history of positive customer support.
To determine how well the best auto insurance companies are meeting these priorities, third-party agency ratings of JD Power, AM Best, S&P, NAIC and Moodys had the most impact on corporate bank rate scores. . With price being a common consideration for drivers, we analyzed the premiums offered based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, evaluated on more than 35,000 zip codes in the United States, has provided a basis on which drivers can compare each supplier.
While coverage options, insurer availability, affordability and customer experience are often top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is evolving rapidly to keep pace with our digital world, so these aspects have also played a role in determining discount rate scores.