Cheapest and Best Car Insurance in Anaheim, CA (June 2024)


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ByMark Fitzpatrick
Reviewed byMark Friedlander
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ByMark Fitzpatrick
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Reviewed byMark Friedlander
Edited byRae Osborn
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Updated: May 23, 2024

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Finding the most cost-effective or premium auto insurance in Anaheim hinges on coverage options and individual driver profiles. While Progressive is the most affordable for minimum and full coverage, State Farm offers the lowest rates for families with teen drivers. Contrasting this, Capital Insurance Group shines as best overall, offering optimal value between price and customer service, whereas Chubb reigns supreme in service alone. The ideal insurer for you will be based on your unique preferences and coverage necessities.

MoneyGeek Logo IconBest & CheapestCar InsuranceAnaheim
2024

Cheapest and Best Car Insurance in Anaheim

Why Trust MoneyGeek? We analyzed 352,910 quotes in California, including the city of Anaheim, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Anaheim insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Anaheim, CA as of June 2024.

352,910 Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Coverage Car Insurance in Anaheim

MoneyGeek found that Progressive offers the most affordable minimum coverage car insurance in Anaheim. If you're looking for the cheapest car insurance, here are the two best options:

  • Progressive: $460 per year
  • Mercury: $518 per year

Chubb has the highest annual premium for minimum coverage in Anaheim at $868. Comparing Chubb to Progressive, there's a $408 difference in annual costs, underscoring the importance of shopping around to find the best rates for car insurance.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
ProgressiveAnnual Premium$460Monthly Premium$38
MercuryAnnual Premium$518Monthly Premium$43
GEICOAnnual Premium$545Monthly Premium$45
KemperAnnual Premium$547Monthly Premium$46
AAAAnnual Premium$586Monthly Premium$49
FarmersAnnual Premium$593Monthly Premium$49
TravelersAnnual Premium$648Monthly Premium$54
State FarmAnnual Premium$657Monthly Premium$55

State Minimum Liability Requirements

Across all Californian cities, including Anaheim, it's state law that sets the benchmark for minimum required car insurance coverage. Here's the essential info:

  • $15,000 bodily injury per person
  • $30,000 bodily injury per accident
  • $5,000 property damage liability per accident

For instance, if you're at fault in a car accident in Anaheim, your minimum insurance policy may cover up to $15,000 for injuries you cause to one person, and $30,000 total if multiple people are hurt. If you're hit with damages that surpass these amounts, you'll likely have to pay the difference.

Cheapest Full Coverage Car Insurance in Anaheim

MoneyGeek found that Progressive is the cheapest option in Anaheim, offering the most affordable cheapest full coverage car insurance. Here are the two cheapest providers:

  • Progressive: $1,056 per year
  • AAA: $1,276 per year

Farmers has the most expensive full coverage policy in the city, at $2,040 annually. This demonstrates the significant potential savings, as choosing the most affordable option could spare Anaheim drivers nearly $984 per year. Full coverage policies are pricier than minimum coverage due to the additional protections they offer, such as coverage for your own vehicle's damages.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,056Monthly Premium$88
AAAAnnual Premium$1,276Monthly Premium$106
National GeneralAnnual Premium$1,293Monthly Premium$108
MercuryAnnual Premium$1,358Monthly Premium$113
GEICOAnnual Premium$1,384Monthly Premium$115
AllstateAnnual Premium$1,386Monthly Premium$116
Capital Insurance GroupAnnual Premium$1,434Monthly Premium$120
KemperAnnual Premium$1,438Monthly Premium$120

Do You Need Full Coverage in Anaheim?

At MoneyGeek, our sample full coverage insurance policy for Anaheim enhances protection by elevating liability limits to $100,000 for bodily injury liability per individual, $300,000 for bodily injury per incident and $100,000 for property damage per accident. This level of coverage is succinctly termed a 100/300/100 plan.

Full coverage insurance extends beyond just higher liability limits; it includes both comprehensive and collision coverage components:

  • Collision Insurance: This coverage reimburses you for damages to your vehicle as a result of a crash, either with another vehicle or an object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This coverage compensates for damages to your automobile from non-collision events, such as theft or natural disasters and being struck by an animal like a deer.

Full coverage insurance is recommended for owners of new vehicles. However, if your car is older, the additional cost for this enhanced protection may not provide enough value to justify the expense. You should balance between having sufficient coverage to mitigate the risk of being underinsured and managing the cost of higher premiums when deciding how much car insurance you need.

Cheapest Car Insurance in Anaheim After a Driving Offense

In Anaheim, for a full coverage policy, the cheapest company for drivers with a poor driving record varies based on the offense. Specific companies offer the lowest rates for different incidents:

  • Speeding Ticket: National General ($1,359 per year)
  • At-fault accident: Capital Insurance Group ($1,685 per year)
  • DUI: National General($1,359 per year)

In contrast, Hartford has the highest annual premium after a DUI at $5,884. It's important to shop around for the best rates post-incident, as one company may offer the best rates for multiple offenses.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,359Monthly Premium$113
Capital Insurance GroupAnnual Premium$1,643Monthly Premium$137
AAAAnnual Premium$1,656Monthly Premium$138
MercuryAnnual Premium$1,793Monthly Premium$149
KemperAnnual Premium$1,909Monthly Premium$159
ProgressiveAnnual Premium$1,991Monthly Premium$166
AllstateAnnual Premium$2,017Monthly Premium$168
GEICOAnnual Premium$2,059Monthly Premium$172

In Anaheim, insurance rates typically surge with the severity of a driving infraction due to the heightened risk insurers associate with those drivers. For instance, an individual with a ticket may see an average annual premium of about $2,147. Yet, for those with a DUI, that figure climbs drastically to approximately $3,613.

Cheapest Car Insurance in Anaheim for Teens and Their Families

MoneyGeek found that GEICO offers the most economical full coverage car insurance for male and female teens in Anaheim. Discover the cheapest car insurance for teens tailored for your family needs.

  • GEICO: $3,403 per year for female teens and $3,556 per year for male teens.
  • Allstate: $3,457 per year for female teens and $3,457 per year for male teens.

These rates are particularly competitive when considering the inclusion of two parents and a teen driver on the policy. Nationwide has the priciest teen family policy in the city, with an annual premium that can shoot up to $6,342 for female teen drivers. The significant price disparity of $2,939 between the most affordable and the most expensive options for females underscores the importance of comparing quotes.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICOFamily Plan Annual Premium$3,403Individual Plan Monthly Premium$3,961
AllstateFamily Plan Annual Premium$3,457Individual Plan Monthly Premium$3,778
Capital Insurance GroupFamily Plan Annual Premium$3,629Individual Plan Monthly Premium$3,387
FarmersFamily Plan Annual Premium$3,641Individual Plan Monthly Premium$4,730
ProgressiveFamily Plan Annual Premium$3,747Individual Plan Monthly Premium$3,731
State FarmFamily Plan Annual Premium$3,837Individual Plan Monthly Premium$3,915
TravelersFamily Plan Annual Premium$4,515Individual Plan Monthly Premium$3,781
KemperFamily Plan Annual Premium$6,048Individual Plan Monthly Premium$5,899

In Anaheim and similar urban centers, teen drivers may face substantial financial hurdles when purchasing car insurance independently. The average individual annual premium for a teenage driver is approximately $4,668, markedly higher compared to the average family annual premium of $4,308. This significant cost disparity exists because insurers consider teens high-risk drivers. It can be challenging for teens to obtain an individual policy, as providers often require a proven track record of responsibility and financial independence, which teens often lack. Therefore, it is usually advantageous for teens to be added to a family policy to secure lower rates and improved approval odds.

Cheapest Car Insurance in Anaheim for Military Drivers

Progressive offers the most competitive rates for full coverage car insurance tailored to individuals with military backgrounds in Anaheim. If you're searching for the cheapest car insurance for military backgrounds, here are the top two providers listed by their annual premium:

  • Progressive: $1,056 per year
  • AAA: $1,276 per year

While not the least expensive option with an annual premium of $1,322, USAA specializes in serving those who have served in the military, offering coverage that is conscientiously tailored to meet their unique needs.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,056Monthly Premium$88
AAAAnnual Premium$1,276Monthly Premium$106
National GeneralAnnual Premium$1,293Monthly Premium$108
USAAAnnual Premium$1,322Monthly Premium$110
MercuryAnnual Premium$1,358Monthly Premium$113
GEICOAnnual Premium$1,384Monthly Premium$115
AllstateAnnual Premium$1,386Monthly Premium$116
Capital Insurance GroupAnnual Premium$1,434Monthly Premium$120

How to Compare Cheap Anaheim Car Insurance Quotes Online

Use the car insurance calculator from MoneyGeek to get insurance quotes. Simply input your age, driving history, credit score and desired coverage level, along with a few other details, to receive an expedited rate estimate.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 18, 2024

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Best Car Insurance in Anaheim: Overview

MoneyGeek's distinct scoring systems for each category have determined the best insurance providers in Anaheim for various needs:

  • Best overall: Capital Insurance Group (MoneyGeek score 81 out of 100)
  • Best for service: Chubb (MoneyGeek score 94 out of 100)
  • Best cheap: Mercury (MoneyGeek score 78 out of 100)

Capital Insurance Group excels in delivering a strong combination of service and affordability, making it the best overall option. For exceptional customer service, Chubb ranks highest. Mercury offers a very affordable choice without greatly compromising on service experience, ideal for budget-conscious consumers seeking value.

Best Overall Car Insurance in Anaheim

MoneyGeek found that Capital Insurance Group offers the best option in Anaheim for drivers seeking top-notch car insurance. With a streamlined process to secure a policy that provides exceptional value and satisfaction, Capital Insurance Group stands out with a remarkable MoneyGeek score.

  • Capital Insurance Group: MoneyGeek score of 81 out of 100 ($1,434 per year)

  • Chubb: MoneyGeek score of 77 out of 100 ($2,023 per year)

Company logo for Capital Insurance Group
Best OverallCapital Insurance Group
MoneyGeek Score:
81/ of 100

Overview

Capital Insurance Group has a top MoneyGeek score. While the company provides common coverages like rental car and/or travel reimbursement and roadside assistance, it does not offer full glass coverage. Capital Insurance Group offers custom parts coverage that ensures your high-quality auto parts will be replaced with name-brand items. It excels in customer satisfaction and claims handling, both adding to its overall position as a top provider.

Best Car Insurance in Anaheim for Customer Service

MoneyGeek found that Chubb is the best option in Anaheim for car insurance based on customer service, without considering rates. This recognition highlights excellence based on general satisfaction, stellar claims handling, and comprehensive coverages offered by the provider.

  • Chubb: MoneyGeek score of 94 out of 100 ($2023 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1434 per year)

Chubb stands out in the Anaheim market primarily for its top-tier claims service and exceptional coverage options that contribute significantly to its high MoneyGeek score. Their commitment to customer satisfaction and financial stability also plays a vital role in establishing them as the leading car insurance provider for service quality in the region.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100

Overview

With a MoneyGeek score of 94, Chubb’s satisfaction and claims handling are the driving forces behind its success. Chubb also offers rental car and/or travel reimbursement and roadside assistance services but does not include gap Insurance. Chubb offers rare coverage like original equipment manufacturer (OEM) coverage. Other coverages, such as antique/classic car Insurance and diminished value coverage, are also offered. Chubb's scores reflect high satisfaction ratings, claims satisfaction and a respectable coverage score, establishing it as a leader in customer satisfaction and reliability.

Best Cheap Car Insurance Companies in Anaheim

MoneyGeek found that Mercury is the best option in Anaheim for consumers seeking quality yet affordable car insurance. Earning a noteworthy MoneyGeek score that balances cost efficiency with customer satisfaction, Mercury emerges as a top choice for drivers prioritizing value.

  • Mercury: MoneyGeek score of 78 out of 100 ($518 per year)
  • Progressive: MoneyGeek score of 76 out of 100 ($460 per year)

Mercury distinguishes itself with a compelling combination of a strong customer satisfaction rating and competitive annual premiums for minimum coverage policies.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
78/ of 100

Overview

Mercury excels particularly in affordability, with its score contributing significantly to its overall high MoneyGeek score. At an average annual premium of $518, Mercury customers enjoy the benefits of minimum coverage at a very competitive cost. The company offers reasonably common discounts like an anti-theft system and also reasonably rare incentives such as automatic payment options. Among its offerings are an anti-theft system discount and unique benefits for teachers. Mercury offers many discounts, including bundling, safe driving, paperless billing and pay in full, which incentivize full upfront payments for added savings.

Average Cost of Car Insurance in Anaheim

In Anaheim, the average cost of car insurance stands at $1,521, which reflects a market slightly more expensive compared to California's average of $1,457. This state average is significantly less than the national average car insurance cost of $1,720, demonstrating a $263 difference in favor of California residents.

Car insurance premiums are influenced by various factors, including driving history, vehicle type, credit score and age, but location plays a key role. Insurance providers consider location important due to the variation in accident rates, theft incidents, and other region-specific risks. For instance, Glendale, California, is reported to have the most expensive premium at $2,260. Conversely, Santa Maria is listed as having the cheapest premium at $1,168. In less populated, non-city areas, where traffic density is lower, car insurance rates may even be more favorable than these examples.

AnaheimAnnual Premium$1,521
AntiochAnnual Premium$1,471
ArdenAnnual Premium$1,491
BakersfieldAnnual Premium$1,298
BerkeleyAnnual Premium$1,393
BurbankAnnual Premium$1,834
CarlsbadAnnual Premium$1,276
Chula VistaAnnual Premium$1,237
ClovisAnnual Premium$1,305
ConcordAnnual Premium$1,378
CoronaAnnual Premium$1,425
Costa MesaAnnual Premium$1,404
Daly CityAnnual Premium$1,592
DowneyAnnual Premium$1,625
East Los AngelesAnnual Premium$1,669
El CajonAnnual Premium$1,341
El MonteAnnual Premium$1,661
Elk GroveAnnual Premium$1,434
EscondidoAnnual Premium$1,290
FairfieldAnnual Premium$1,301
FontanaAnnual Premium$1,460
FremontAnnual Premium$1,353
FresnoAnnual Premium$1,348
FullertonAnnual Premium$1,551
Garden GroveAnnual Premium$1,567
GlendaleAnnual Premium$2,260
HaywardAnnual Premium$1,446
Huntington BeachAnnual Premium$1,423
InglewoodAnnual Premium$1,820
IrvineAnnual Premium$1,485
Jurupa ValleyAnnual Premium$1,402
LancasterAnnual Premium$1,552
Long BeachAnnual Premium$1,570
Los AngelesAnnual Premium$1,985
ModestoAnnual Premium$1,477
Moreno ValleyAnnual Premium$1,443
MurrietaAnnual Premium$1,320
NorwalkAnnual Premium$1,544
OaklandAnnual Premium$1,545
OceansideAnnual Premium$1,303
OntarioAnnual Premium$1,454
OrangeAnnual Premium$1,366
OxnardAnnual Premium$1,338
PalmdaleAnnual Premium$1,602
PasadenaAnnual Premium$1,672
PomonaAnnual Premium$1,519
Rancho CucamongaAnnual Premium$1,401
RialtoAnnual Premium$1,467
RichmondAnnual Premium$1,457
RiversideAnnual Premium$1,438
RosevilleAnnual Premium$1,364
SacramentoAnnual Premium$1,397
SalinasAnnual Premium$1,259
San BernardinoAnnual Premium$1,455
San DiegoAnnual Premium$1,259
San FranciscoAnnual Premium$1,553
San JoseAnnual Premium$1,338
San MateoAnnual Premium$1,301
Santa AnaAnnual Premium$1,471
Santa ClaraAnnual Premium$1,332
Santa ClaritaAnnual Premium$1,523
Santa MariaAnnual Premium$1,168
Santa RosaAnnual Premium$1,385
Simi ValleyAnnual Premium$1,429
StocktonAnnual Premium$1,489
SunnyvaleAnnual Premium$1,325
TemeculaAnnual Premium$1,338
Thousand OaksAnnual Premium$1,490
TorranceAnnual Premium$1,418
VallejoAnnual Premium$1,444
VenturaAnnual Premium$1,251
VictorvilleAnnual Premium$1,482
VisaliaAnnual Premium$1,241
VistaAnnual Premium$1,267
West CovinaAnnual Premium$1,555

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.