Orange, TX Car Insurance

Drivers in Orange pay around $68 a month for their car insurance. Read our guide below to learn more about your specific rates.
Map of cities where drivers can find cheaper car insurance
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Are rates in Orange higher or lower than those in neighboring areas? How do they compare to the rest of Texas? What rates can residents of Orange expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:

How much is car insurance in Orange?

Area Average Monthly Car Insurance Premium
Orange$68
TX$65
United States$81

As you can see in the chart above, car insurance rates in Orange are slightly more expensive than the rest of Texas.

If you're thinking of moving to Orange from out of state, you may still be in luck. You can expect to pay about $13 less for your policy in Orange than in the rest of United States.

Bear in mind that while these are the average car insurance rates for Orange, you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.

We've done the heavy lifting for you and broken down the average rate for Orange so that you can get a more accurate idea of what your policy will cost you. 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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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$108
25-34$65
35-44$61
45-54Not Enough Data
55-64$47
65+$53

It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.

For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Orange may see their rates begin to go back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$67
Female$68

Car insurance rates for female drivers are usually cheaper than those for male drivers. While male drivers actually pay a little bit less than female drivers on their monthly premiums, the difference in Orange is only about $1 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$81
Multiple Accidents$103
1 Ticket$91
Multiple Tickets$71

Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Orange with one accident will pay around $81 a month. Similarly, drivers with one ticket will typically pay around $91 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$81
2-3 Years$72
4-5 Years$87
6-7 Years$63
8-10 Years$74
11-14 Years$69
15 Years or Older$61

As you can see in the first table above, the cheapest vehicles to insure in Orange are usually SUVs, trucks, and vans, which run about $64 per month.

The rate for car owners, however, is about $72 per month.

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. However, your rates may start to drop back down once your car is about 5 years old. In Orange, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$74
Married$53
Divorced$56
Widowed$46

On average, those who have settled down into marriage will pay slightly less for car insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

The cost of auto insurance in Orange reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $21 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$60
Rent$69
Live with parents$98

Your housing situation is another factor that affects your monthly rate. Renters can expect to pay around $9 a month more than drivers who own property in Orange. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Orange, TX

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

The rates for auto insurance in Orange increased from 2017-2018, but leveled out in 2019. They decreased until 2020, when they hit a low of $60, and finished at $65 in 2022.

How does Orange compare to neighboring areas?

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

When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. Many factors affecting your policy are based around where you live. These factors include things like:

  • Road Safety (how many accidents each locality has)
  • Total number of drivers in the community
  • Off-street parking availability
  • Area regulations
  • Rate of crime

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. With the knowledge 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 particular neighborhood.

How can I find the cheapest car insurance in Orange?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Fortunately, Compare.com has you covered. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Orange in no time.


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Orange Insurance FAQs

What factors affect car insurance quotes in Orange?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, marital status, and address.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

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

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Orange or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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