Can I Be in My Mom's Insurance Infinity Car Insurance
Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in California has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Orange typically pay around $126.45 per month compared to the national average of $134.16 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.
| Area | Average Monthly Rate |
|---|---|
| National | $134.16 |
| California | $131.22 |
| Orange, California | $126.45 |
Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that's why it's important to compare. According to our data, Mercury Insurance Company generally has the most affordable car insurance in Orange coming in around $77.31 per month. Other companies to consider if you live in Orange is Esurance with an average cost of $114.75 per month and USAA which typically runs around $121.73 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Orange.
| Rank | Company | Average Monthly Rate | Comparison State Average |
|---|---|---|---|
| 1 | Mercury Insurance Company | $77.31 | -41.08% |
| 2 | Esurance | $114.75 | -12.55% |
| 3 | USAA | $121.73 | -7.23% |
| 4 | Unitrin | $124.39 | -5.20% |
| 5 | Allstate | $131.44 | 0.17% |
| 6 | 21st Century | $135.29 | 3.10% |
| 7 | Mercury | $138.56 | 5.60% |
| 8 | Kemper Auto Premier | $140.55 | 7.11% |
| 9 | Infinity Special | $141.35 | 7.72% |
| 10 | Grange | $144.87 | 10.41% |
Rates can vary from city to city. The residents of Fresno typically pay $114.36 per month while people who live in Los Angeles will pay $173.77 per month on average. See what people pay for car insurance in other cities in California.
| California Cities | Monthly Average Rate |
|---|---|
| Fresno | $114.36 |
| Los Angeles | $173.77 |
| Orange | $126.45 |
| Sacramento | $129.36 |
| San Diego | $109.97 |
| San Francisco | $154.89 |
Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of California. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you're taking.
| Orange, CA ZIP Code | Average Monthly Rate |
|---|---|
| 92856 | $50.16 |
| 92857 | $57.49 |
| 92863 | $58.83 |
| 92865 | $120.30 |
| 92866 | $127.38 |
| 92867 | $126.81 |
| 92868 | $116.34 |
| 92869 | $141.13 |
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $288.44 per month in Orange. Compare that to drivers in their 30's who typically pay around $105.38 per month drivers in their 40s at $126.94 per month. It's always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $288.44 |
| 20s | $148.93 |
| 30s | $105.38 |
| 40s | $126.94 |
| 50s | $88.52 |
| 60s | $96.91 |
| 70+ | $82.51 |
If you are teen in Orange you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it's important to compare multiple companies. According to our research, Unitrin typically charges around $160.06 per month. This is likely the most affordable option in Orange. You might also want to consider California Capital and USAA who also offer good affordable policies for teen drivers.
| Company | Average Monthly Rate |
|---|---|
| Unitrin | $160.06 |
| California Capital | $197.25 |
| USAA | $199.00 |
| Hartford | $212.59 |
| Allstate | $228.58 |
20 year-olds in Orange might want to consider Unitrin who, on average, offers car insurance rates around $145.09 per month. Esurance , USAA , Allstate and SAFECO are also in the top 5 cheapest rates available.
| Company | Average Monthly Rate |
|---|---|
| Unitrin | $145.09 |
| Esurance | $152.06 |
| USAA | $156.46 |
| Allstate | $180.88 |
| SAFECO | $185.63 |
If you are in your 30s in Orange our research has found that Esurance typically has the most affordable coverage coming in around $107.56 per month, followed by 21st Century at $114.67 and USAA at $119.25.
| Company | Average Monthly Rate |
|---|---|
| Esurance | $107.56 |
| 21st Century | $114.67 |
| USAA | $119.25 |
| Mercury | $121.78 |
| Unitrin | $128.08 |
On average, Esurance offers car insurance for 40 year-olds in Orange for around $102.71 per month. If you are looking for affordable coverage, you may also want to consider USAA or Auto Club. The full list of top companies is below.
| Company | Average Monthly Rate |
|---|---|
| Esurance | $102.71 |
| USAA | $110.76 |
| Auto Club | $113.26 |
| Unitrin | $113.44 |
| Grange | $113.48 |
Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Orange we found that Esurance generally offers the most affordable coverage at $74.07 per month.
| Company | Average Monthly Rate |
|---|---|
| Esurance | $74.07 |
| USAA | $90.24 |
| 21st Century | $95.33 |
| Mercury | $99.28 |
| Allstate | $105.36 |
If you live in Orange and you're in your 60s, our data indicates that Esurance usually has the best rates at $92.72 per month. The top 5 list of car insurance companies is below.
| Company | Average Monthly Rate |
|---|---|
| Esurance | $92.72 |
| 21st Century | $99.98 |
| Allstate | $104.08 |
| USAA | $105.62 |
| Mercury | $107.26 |
Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Orange, the average monthly rate for a driver who is currently insured is $115.24 while drivers who are not currently covered will pay around $139.52 .
| Coverage | Average Monthly Rate |
|---|---|
| Not Currently Insured | $139.52 |
| Currently Insured | $115.24 |
Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you'll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it's worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Orange a driver of a 2007 Chrysler Pt Cruiser can expect to pay around $26.29 per month while someone that owns a 2007 Chrysler Pt Cruiser may pay around $44.16 per month. Check out the list of recent quotes in Orange below.
| Vehicle | Average Monthly Rate |
|---|---|
| 2007 Chrysler Pt Cruiser | $26.29 |
| 2007 Chrysler Pt Cruiser | $44.16 |
| 2007 Chrysler Pt Cruiser | $40.66 |
| 2007 Chrysler Pt Cruiser | $26.29 |
| 2020 Dodge Charger | $162.26 |
| 2010 Mercedes-Benz C | $175.50 |
| 2003 Ford Ranger | $94.82 |
| 2021 Chevrolet Silverado | $162.46 |
| 2016 Ford Fusion | $134.30 |
| 1993 Subaru Legacy | $60.45 |
What Is the Minimum Liability Coverage Requirement in Orange, CA?
Every state requires drivers to have a minimum amount of liability coverage. California drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.
- $15,000; Bodily injury coverage per person; Max. payment for a single person that you injure in an auto accident.
- $30,000; Bodily injury coverage per accident; Max. payment for all injuries that you cause in an accident when more than one person is hurt.
- $5,000; Property damage per accident; Max. payment for damaged property in an accident caused by you.
You like to keep it simple, and so do we! Just don't go too minimalist and skip the auto insurance altogether (see our FAQ for more information). In California, you are legally required to obtain something called liability insurance.* This is for your protection if you are deemed "at fault" in an accident that causes injury and lost wages to another driver or passenger in another vehicle. Liability coverage pays up to the amounts listed below. It also pays for damages to the other driver's vehicle. Trust us, you'd want this coverage even if it wasn't legally required!
What Is the Blood Alcohol Concentration (BAC) limit in Orange, CA?
It is illegal for an individual to operate a motor vehicle in California with the following BAC percentages:
- .08%+ @ 21 years old or older
- .04%+ for commercial vehicle drivers
- .01%+ @ < 21 years old
What are the chemical test refusal penalties in California?
According to California's implied consent law, you are only required to take a breath or blood test upon being arrested. However, if you are not arrested and refuse the test, the officer may identify additional probable causes for driving under the influence and arrest you, thus forcing you into taking the test.
Commute Time in Orange, CA
25.7 Miles
Commute Time in United States
26.4 Miles
Number of Nearest Insurance Agents in Orange, CA
141
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi
Insurance Expert
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
Can I Be in My Mom's Insurance Infinity Car Insurance
Source: https://smartfinancial.com/auto-insurance/california-auto-insurance/orange-ca