Orange, TX Car Insurance

What rates can residents of Orange expect to pay for their car insurance? Are rates in Orange higher or lower than those in neighboring areas? How do they compare to the rest of Texas? Find the average cost breakdowns and determining factors in the charts and writeups below:

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How much is car insurance in Orange?

Based on the chart above, it costs about the same to insure your vehicle in Orange as it does in the rest of Texas.

Conversely, the expected monthly payments for an auto insurance policy in Orange are below the national average. The average monthly payment in Orange is about $13 less than the rate for the rest of the United States.

Although these are the average monthly costs for an auto insurance policy in Orange, that doesn't mean it's exactly what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But worry not, we've done the heavy lifting and broken down the average rate for Orange to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

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Orange Car Insurance Rates by Age

It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. Orange drivers may see their rates rise again once they hit retirement age.

Orange Car Insurance Rates by Gender

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Orange, although men do pay a bit less on their monthly auto insurance coverage, the cost is about the same for either group.

Orange Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Orange, a driving record with a single accident will usually get you a rate around $78 a month. Likewise, drivers with one ticket will be looking at a rate of around $85 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Orange Insurance Rates by Vehicle

If you look at the first table above, the cheapest vehicles to insure in Orange are usually SUVs, at $62 per month.

Truck and van drivers will see rates of about $64 for car insurance, while car owners by and large pay around $72 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your bill start to shrink a bit. In Orange, the most expensive vehicles to insure are vehicles four-to-five years old.

Orange Car Insurance Rates by Relationship Status

Overall, those who have settled down into marriage will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Orange is no exception, with the difference totaling to around $20 a month.

Orange Car Insurance Rates by Housing Situation

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Orange, expect to pay around $8 a month more than if you own your home. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Orange, TX

Recent trends in car insurance for Orange drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.

In Orange, auto insurance rates rose from 2017-2018, but started to turn downward from 2019-2020, when they hit a low of $60. Rates finished down in 2022, at $62 a month.

How does Orange compare to neighboring areas?

Why are car insurance rates in Orange different from other areas?

Car insurance companies will take into account a variety of factors when deciding how much to charge for a policy. Where you live will also have a significant impact on your personal policy. This may include things like:

• Off-street parking accessibility
• Local regulations
• Road Safety (frequency of car accidents)
• Total number of drivers in the area
• Prevalence of crime

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Orange?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Good news! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing coverage in Orange.

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Orange Auto Insurance FAQs

What factors affect car insurance quotes in Orange?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Orange different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Orange?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Orange?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Orange or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.