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Jerry Data & Research
Cheapest car insurance in Orange, Texas (Apr 2024)
Cheapest car insurance in Orange, Texas (Apr 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Orange, Texas.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Andrea Barrett
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance quotes in Orange
- Best car insurance companies in Orange
- Best cheap car insurance quotes in Orange
- Average cost of car insurance in Orange
- Car insurance quotes in Orange by rating factors
- How do different factors impact your car insurance costs in Orange?
- Cheap car insurance quotes in Orange after driving violations
- Cheap car insurance quotes in Orange by age
- Cheap car insurance quotes in Orange based on insurance history
- Cheap car insurance quotes in Orange for popular cars
- How to lower car insurance costs in Orange
- FAQs
- Methodology
- Sources
- Meet our experts
Load full table of contents
How to find the cheapest car insurance quotes in Orange
Car insurance
in Orange, TX, costs an average of $115 per year for state minimum coverage and $225 per year for full coverage policies. While Texas auto insurance rates have been trending upwards, finding affordable insurance in Orange isn’t impossible—implement some smart shopping strategies and you’ll be well on your way to putting pennies back into your pocket.Located on the Sabine River at the border with Louisiana, Orange isn’t one of Texas’ most densely populated or most popular destinations, but it’s still subject to any of the factors that drive up insurance costs across the state. In fact, compared to state and national averages, Orange is higher on both accounts.
Coverage type | Orange, TX | Texas | United States |
|---|---|---|---|
State minimum | $115 | $85 | $77 |
Full coverage | $225 | $198 | $165 |
To help you navigate the confusing world of auto insurance in Orange without breaking the bank, partner with an independent broker like
Jerry
. Best car insurance companies in Orange
Finding a good car insurance policy involves more than just cost—you’ll want to find an insurer that offers good customer service and claims handling in the event that you need to file a claim or run into an issue.
To save you the hassle, Jerry conducted a nationwide survey of policyholders to determine the best insurance companies based on customer ratings. We took the ratings we got from drivers all over the country and combined them with real quote data from Orange drivers to find companies that offer rates below the citywide average and scored 4 stars or higher overall in our shopping survey.
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Cost rating | Overall Jerry rating |
|---|---|---|---|---|
$51 | $189 | 4.0 | 4.2 | |
$59 | $131 | 4.2 | 4.4 | |
$70 | $173 | 3.8 | 4.2 | |
$76 | $139 | 4.2 | 4.5 | |
$79 | $257 | 4.5 | 4.1 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Some of the biggest names in car insurance—State Farm, Allstate Insurance, Progressive, and USAA—didn’t quite make the list of the best insurance companies in Orange. That’s because policyholders in Orange tended to favor providers that offered more affordable rates and a smoother customer service experience.
Best cheap car insurance quotes in Orange
The key to finding the cheapest auto insurance in Orange is figuring out how much coverage you need on your policy. Drivers can choose between state-minimum liability coverage or opt for a more comprehensive policy with full coverage.
Whatever coverage option you choose, our insurance agents at Jerry generally recommend increasing your liability limits above what your state mandates. Choose 50k/100k/50k at a minimum, but 100k/300k/100k is even better—and add full coverage (i.e. collision and comprehensive insurance).
Cheap minimum liability insurance quotes in Orange
Texas minimum car insurance requirements
mandate that all drivers must carry liability insurance that meets or exceeds the 30/60/25 limits. This includes:- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 for property damage liability per accident
With this basic liability coverage, you’ll be protected up to the policy’s limits if you cause injuries or property damage while driving.
In Orange, a minimum coverage policy averages about $115 per month or $1,380 per year—and there are several places drivers in the city can go to find affordable coverage.
Insurance company | Monthly minimum coverage cost |
|---|---|
$45 | |
Metlife | $47 |
$51 | |
$59 |
Do you need more than minimum coverage in Orange?
In most cases, Orange drivers need more coverage than state minimum limits provide.
The reason: Rising healthcare costs mean that accidents involving injuries can quickly exhaust the minimum limits. And if the car is totaled, the cost to replace it can be more than $40,000—well above the $25,000 property damage limit. If you don’t increase your limits and there are serious injuries and physical damage, your income goes towards paying the other parties' bills for years to come.
It’s also important to note that liability insurance doesn’t cover physical damage to your vehicle or protect you against collisions with hit-and-run or uninsured drivers.
The bottom line: Increase your liability limits or choose a policy with comprehensive, collision, and uninsured motorist coverage.
Cheap full coverage car insurance quotes in Orange
Full coverage car insurance
is the number-one way to protect yourself from costs associated with repairing or replacing your vehicle. Full coverage typically includes comprehensive and collision coverage.- Collision coveragecovers the cost of repairing or replacing your car after a collision with another vehicle or stationary object.
- Comprehensive coveragepays out if your vehicle is stolen or damaged by something other than a crash, such as vandalism, theft, or natural disasters.
Despite the high insurance costs in the city, finding an affordable full coverage policy has been found with some top providers.
Insurance company | Monthly full coverage cost |
|---|---|
$131 | |
$139 | |
$142 | |
Clearcover | $142 |
If you lease or finance your vehicle, your lender may require you to have collision and comprehensive coverage for the duration of your loan or lease.
Although Texas insurance laws don’t require
uninsured motorist coverage
, consider adding it to your policy for maximum protection.Average cost of car insurance in Orange
While car insurance rates in Orange aren’t as high as in larger cities like Houston, San Antonio, or Dallas, Orange drivers pay about 40% more than the national average for auto insurance.
Although insurance rates are highly individualized based on driver-specific factors, there are several Texas-specific factors that are driving up insurance costs throughout the states:
Vehicle theft
Texas is a hotspot for vehicle theft.
According to statistics published by the Insurance Information Institute1, Texas had the second-highest number of vehicle thefts from 2021 to 2022, with 105,015 reported motor vehicle thefts—that’s a 10% change over a single year. Texas trails only behind California, which reported almost double, with 202,685 stolen vehicles.
They’re also a hotspot for motorcycle thefts, ranking third, with more than 4,000 reported bikes stolen in 2022 alone.
Orange, Texas, might not be a popular destination for car thieves, but state-wide statistics still influence how much you’ll pay to insure your car in Orange.
Rising healthcare costs
The US has some of the highest healthcare costs in the world. In 2022 alone, US healthcare spending reached $4.5 trillion4, which averages out to around $13,493 per person. The COVID-19 pandemic exacerbated healthcare spending, but rates were trending up long before the pandemic began. According to the Peter G. Peterson Foundation5, price and utilization are the main factors that increase healthcare spending, which is driven by two primary factors: aging and increasing costs of healthcare services.
They also reported that from 2012 to 2021, the senior population in the US climbed from 14% to 17% and is projected to reach 21% by 2032. Since the senior population (65 and over), on average, spends more on healthcare than any other age group, a higher percentage of seniors is expected to increase total healthcare costs over time.
Similarly, the cost of healthcare services significantly affects how much Americans pay for healthcare. In the past 20 years, the Consumer Price Index for All Urban Consumers6 (CPI-U) for all items has grown about 2.6% per year, while the CPI-U for medical care has grown about 3.1% per year.
Population density
Texas is home to three of the top 10 largest cities in the nation, and populations continue to grow across the state. While Orange population density is far from the largest in Texas, increasing populations across the state drive up insurance rates state-wide.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Car insurance quotes in Orange by rating factors
- Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
- Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
- Your mileage: High annual mileage can result in higher insurance costs.
- The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.
How do different factors impact your car insurance costs in Orange?
How do different factors impact your car insurance costs in Orange?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Texas currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Orange:
Cheap car insurance quotes in Orange after driving violations
Your
Texas driving record
influences your auto insurance quotes. If insurance providers see a history of violations, they may label you a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:Cheapest car insurance in Orange after speeding ticket
In Texas, a speeding ticket will increase your car insurance rates. Thankfully, a speeding ticket charge in the state will only stay on your record for three years from the date of conviction or guilty plea. After that, your insurance rates should decrease—assuming you’ve maintained a clean driving record.
Until then, however, your rates can significantly increase in Texas after a speeding ticket charge.
Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
Speeding | $180 | 49% |
Cheapest car insurance in Orange after DUI
A
DUI
in Orange is a serious violation and it will trigger extremely high rates for car insurance and label you as a high-risk driver. Some companies may even refuse you coverage. To find a good rate for car insurance after a DUI, it’s important to shop around and compare rates
. Comparing rates after a DUI charge is important considering how much your insurance can increase afterwards.
Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
DUI | $190 | 57% |
Cheapest car insurance in Orange after an at-fault accident
One of the most critical factors affecting car insurance rates is your car accident or claim history. Texas is an at-fault state, and an at-fault accident in your recent past could mean significantly higher insurance rates.
Driving record | Monthly coverage cost | Rate increase (%) |
|---|---|---|
At-fault accident | $208 | 72% |
Cheapest car insurance in Orange after other driving violations
Speeding tickets, DUIs,
reckless driving
, and suspended licenses
on your driving record can all lead to rate hikes from any car insurance provider in Orange.Here’s a list of different driving violations and how much they can impact your Texas insurance.
Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
Failure to yield | $152 | 26% |
Failure to stop | $165 | 36% |
Driving with suspended license | $227 | 88% |
Improper passing | $295 | 144% |
Cheap car insurance quotes in Orange by age
Young people and seniors generally face the highest insurance rates.
Due to their restricted driving backgrounds, young drivers typically pay more for insurance. Drivers between the ages of 30 and 70 typically pay some of the lowest insurance rates, but they won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid-70s.
Cheapest car insurance in Orange for young drivers
Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group in Orange. A full coverage policy that includes collision and comprehensive can provide better financial protection for teen car owners who drive newer cars, as teens tend to get into more accidents. Staying on a parent’s policy is the best way to keep rates low. Using Jerry to find a policy is also a great option!
Have a look at how much the average young motorist pays for car insurance in the city.
Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
<18 | $326 | $731 |
18-21 | $328 | $375 |
Cheapest car insurance in Orange for middle-aged drivers
As drivers gain more experience behind the wheel, their rates lower. Drivers 25-64 see some of the cheapest rates for all age demographics, with rates rising again after motorists turn 65+.
Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
22-25 | $197 | $290 |
26-34 | $123 | $212 |
35-44 | $111 | $166 |
45-54 | $120 | $160 |
While driver premiums are often lower than average for this age group, drivers can still achieve even cheaper costs by looking into car insurance discounts and bundling policies.
Cheapest car insurance in Orange for senior drivers
Car insurance rates for seniors
tend to be higher due to several reasons. The main one is that older drivers are more likely to be involved in accidents and more prone to severe injuries in the event of a collision. This translates to significant medical expenses and increased costs for insurance providers.Age | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
55-64 | $115 | $160 |
65+ | $102 | $196 |
Cheap car insurance quotes in Orange based on insurance history
Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
. Drivers who have had recent or past lapses in coverage may face higher auto insurance rates.
Insurance history | Monthly coverage cost | Rate increase (%) |
|---|---|---|
With coverage lapses | $164 | 36% |
Finding cheap car insurance in Orange: Hear from real drivers
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
After searching for reasonably priced car insurance for what seemed like forever, I was matched with a great company with great prices! Thanks again Jerry!
Alyssa Watts, West Orange, TX
I had been looking for cheaper insurance for almost a month with no luck, someone told me to download the Jerry App. With the Jerry App I was able to find exactly what I needed & wanted! It was easy & stress free to switch providers. So far I'm 1000% satisfied with Anchor General!!!
Catherine, San Antonio, TX
Commonwealth insurance is a life saver. You’re not only getting the best price around for good quality insurance but they care about you and ensure that you are in the best hands possible. Thank you commonwealth for everything. I am a proud member and I recommend this insurance to everyone I know.
Jewel, Forth Worth, TX
Cheap car insurance quotes in Orange for drivers with poor credit
Texas law permits insurers to use credit scores when calculating auto insurance premiums. Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.According to findings from the 2023 Consumer Federation of America (CFA) report7, safe drivers in Texas with poor credit pay 126% more for car insurance than safe drivers with excellent credit.
Credit score | Monthly coverage cost |
|---|---|
< 600 | $225 |
601-699 | $217 |
700+ | $188 |
Cheap car insurance quotes in Orange for popular cars
The make and model of your vehicle is an important factor in determining your insurance rate in Orange. Every model has a unique cost of repair, set of safety features, and rate of theft.
Popular car models
for Orange drivers include: Take a look at how much it costs on average to insure these popular models in Orange.
Vehicle type | Monthly minimum coverage cost |
|---|---|
$102 | |
$175 | |
$138 |
How to lower car insurance costs in Orange
1. Shop around and compare quotes
With auto insurance costs rising all over Texas, shopping around and
comparing quotes
is more important than ever. Every insurer uses a different algorithm and set of criteria to calculate insurance rates—and those criteria, along with your driver profile, are constantly changing—comparing quotes is the only way to ensure you’re getting the most affordable rate on the right coverage.
That’s where a broker like Jerry comes in handy. Jerry exists to help simply and speed up the process of insurance shopping. It takes less than a minute to create a profile that will automatically pull the best quotes from a pool of top insurers tailored to your insurance needs.
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. Many insurance providers offer discounts for drivers with clean driving records and/or those who avoid filing claims
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your auto and home insurance(or auto and renters insurance) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage. Keep in mind that you’ll want to choose a deductible that you can afford to pay upfront in the event you need to make an insurance claim.
FAQs
What’s the cheapest car insurance in Orange?
State minimum coverage, which averages around $115 per month and includes bodily injury and property damage liability, is the cheapest option for affordable car insurance in Texas.
What’s the minimum car insurance in Orange, Texas?
All Texas drivers are required to carry liability insurance that meets (or exceeds) the 30/60/25 limits—$30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $25,000 in property damage liability per accident.
What’s the best car insurance in Orange?
Cost is an important factor when shopping for auto insurance, but other factors like customer service and claims handling should also influence which insurance provider you pick, too. Nationwide, Safeco, and Progressive earned top marks from Orange drivers, according to the largest car insurance survey in the nation conducted by Jerry.
How much is car insurance in Orange?
Drivers in Orange, TX, pay an average of $115 per month—or $1,380 per year—for minimum coverage liability insurance. A full coverage policy in Orange costs an average of $225 per month or $2,700 per year.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. We analyzed over 25 million car insurance quotes and conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). All average quote data is based on rates for single drivers with a clean record and a single car between the ages of 35 and 65.
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Sources
Meet our experts
Andrea Barrett
Andrea Barrett is an insurance writer with five years of experience in writing and publishing. Andrea specializes in car insurance, maintenance, and brand reviews, and her mission is to create comprehensive and useful content readers can use to help lower their car-related expenses. Andrea has written nearly 1,500 articles for Jerry on topics ranging from first-time buyer programs to insurance costs and vehicle life expectancies.
Before joining Jerry, Andrea co-founded a successful health food business and created content for clients in the health and wellness industry.
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
