In Anaheim, car insurance costs an average of $1,510 per year, which is more expensive than the state average. The cheapest insurer for the average driver is Progressive, but MoneyGeek also analyzed the cheapest options based on driver profiles and coverage level. For those looking to balance cost and quality, MoneyGeek ranked the best car insurance companies in Anaheim.
Compare the Cheapest Car Insurance Quotes in Anaheim, CA
The Cheapest and Best Car Insurance in Anaheim
The Cheapest Car Insurance Companies in Anaheim
The insurers with the cheapest average rates for a full coverage car insurance policy in Anaheim are:
- Progressive: $1,103 annually
- Esurance: $1,138 annually
Car insurance companies in Anaheim determine your insurance rates differently, so the cost of your car insurance premium varies by company.
In Anaheim, Progressive is the most affordable car insurance company. For most drivers in Anaheim, Progressive coverage is nearly half as expensive as similar coverage with Allied, which is the most expensive car insurance company in Anaheim.
For this study, MoneyGeek gathered and analyzed average insurance rates in Anaheim for a sample 40-year-old male driver with a full coverage policy, including both liability and comprehensive and collision coverage.
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Average Cost of Car Insurance in Anaheim
The average annual car insurance in Anaheim is $1,510 — slightly higher than both the annual cost of car insurance in California and in the United States. Car insurance policyholders living in Anaheim pay 5.7% more than the average annual cost of car insurance in California and 6.0% more than the national average.
The Best Car Insurance Companies in Anaheim
MoneyGeek ranked the best companies in Anaheim for drivers seeking an insurance carrier providing a balance of quality service and costs. Based on MoneyGeek’s study, the best car insurance companies in the city for most drivers are:
- AAA: MoneyGeek score 90 out of 100
- GEICO: MoneyGeek score 90 out of 100
USAA received the highest score in Anaheim by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
To calculate these final scores out of 100, MoneyGeek considered several factors, including J.D. Power user satisfaction, financial stability and affordability ratings.
Personalized Quotes to Get You the Cheapest Car Insurance in Anaheim
Since various factors like the driver's age, driving record, location, and the make and model of their vehicle can influence how their car insurance rates in Anaheim are determined. Drivers need to get a personalized quote from several car insurance companies in the city to find the rate that is cheapest for them.
In Anaheim, an Allstate car insurance policy for a 40-year-old driver is approximately three times less expensive than similar coverage for an 18-year-old driver. A GEICO car insurance policy for a 40-year-old driver is approximately five times less expensive than similar coverage for an 18-year-old driver. Make sure to get a personalized quote from different car insurance companies in Anaheim so you can check if you qualify for company-specific promotions that can help you save money in the long run.
Shopping around for car insurance in Anaheim could save you $407, which is enough to buy:
Cheapest Car Insurance in Anaheim by Coverage Amount
Whether in Anaheim or elsewhere, one big factor affecting the price of car insurance is the coverage level you choose to buy. For example, a state minimum liability policy in Anaheim costs an average of $732, while a full coverage policy with higher liability limits costs $1,510 on average. That is a $779 difference.
California Minimum Liability Requirements
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
Different car insurance plans have limits in terms of the maximum amount that they will cover. For instance, in Anaheim, Progressive offers both 50/100/50 liability plans and 50/100/50 full-coverage plans which can cover up to $50,000 worth of medical bills, $100,000 for all injuries and $50,000 for property damage in the event of an accident.
Anaheim drivers who want their own expenses to be covered should look into getting Progressive's 50/100/50 full-coverage plan which costs on average $331 more than the liability-only policy.
Several car insurance companies in Anaheim have different insurance premiums when it comes to their plans' limits, so for you to get the most affordable quote, you need to regularly request a personalized quote that is based on your individual circumstances and needs.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Anaheim if You Have Driving Violations
Having a traffic violation on your driving record affects how much you need to pay for your car insurance. In Anaheim, a GEICO car insurance policy for a driver with a clean record costs $1,411, but if the driver has a speeding ticket, then they need to pay an extra $676 for the same policy with similar coverage.
A DUI on your driving record can also significantly affect your car insurance rates. For example, Esurance policyholders in Anaheim with a clean record will pay $1,707 less than drivers who have a DUI will have to pay for the same plan.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
Drivers should get personalized quotes from different car insurance companies after moving in Anaheim because their place of residence can also influence how much their coverage will cost. Insurance companies consider a region's traffic accident rates, car theft rates and more when determining their premiums. Drivers who live in Anaheim's 92805 ZIP code, will pay $138 less in annual car insurance premiums than those who reside in ZIP code 92804.
- Zip CodeState Minimumper year
Top Agents Offering Affordable Car Insurance in Anaheim
Factors That Impact Insurance Costs in Anaheim
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Anaheim. How Anaheim ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Anaheim are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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