Progressive offers the most affordable rates for full and minimum coverage auto insurance in Anaheim. National General is the cheapest for drivers with tickets and DUIs, Capital Insurance Group is the least expensive insurer for at-fault accident drivers. Male teen drivers will find Allstate the cheapest, while female teen drivers will find GEICO the most affordable. Chubb is the best provider in terms of customer service in Anaheim.
Cheapest and Best Car Insurance in Anaheim, CA








Cheapest Minimum Liability Car Insurance in Anaheim
The following companies provide the lowest minimum coverage auto insurance policies in Anaheim:
- Progressive: approximately $460 per year
- GEICO: approximately $476 per year
The most costly company for minimum coverage is Chubb, with insurance averaging $868 per year. Auto insurance providers consider your location when calculating your rates.
State laws determine liability limits for minimum coverage insurance. This coverage applies to bodily injury and property damage in the following amounts in California:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
In the event of a collision, liability-only coverage contributes to the cost of damages to the other driver and their passengers. If you cause an accident and have $15,000 in bodily injury liability per person and $30,000 per accident. In that case, your insurance carrier will cover medical expenses up to $15,000 per person and $30,000 per incident while you pay the balance out-of-pocket.
Cheapest Full Coverage Car Insurance in Anaheim
The following insurance providers offer the cheapest full coverage auto insurance in Anaheim:
- Progressive: approximately $1,056 per year
- GEICO: approximately $1,207 per year
At $2,023 per year, Chubb is the most costly company for full coverage. Progressive’s full coverage insurance is much more costly in Anaheim than in the rest of the state.
Full coverage policy extends the limits of liability-only insurance and includes comprehensive and collision coverage.
- Collision Insurance: Helps pay to repair or replace your car if it's damaged in an accident with another car or object.
- Comprehensive Insurance: Helps pay for third-party damage to your cars such as storm, wind, fire or vandalism.
Comprehensive and collision coverage is best for new car owners to protect their valuable investment. Spending hundreds of dollars on old cars may not be worth it.
Cheapest Car Insurance in Anaheim After a Driving Offense
The cheapest insurance providers for those with speeding tickets, an at-fault accident and DUI on their record are
- Speeding ticket: National General (approximately $1,359 per year)
- At-fault accident: Capital Insurance Group (approximately $1,711 per year)
- DUI: National General (approximately $1,359 per year)
On average, the most expensive auto insurer after a speeding ticket, accident or DUI, Nationwide ($2,730), Chubb ($3,271) and Hartford ($6,170), respectively. Violations may raise auto insurance prices, so even the lowest rates are sometimes much higher after an incident.
Expect your insurance rates to increase based on the severity of the driving infraction. For instance, drivers with tickets in Anaheim pay approximately $636 more than drivers with a clean record, while drivers with a DUI pay around $954 more. Nonetheless, you can still find cheap car insurance with a bad driving record.
Cheapest Car Insurance in Anaheim for Teens and Their Families
The following insurers offer the cheapest policies for adding a teenage driver to their parent’s policy:
- GEICO: $3,403 per year for female teens and $3,556 per year for male teens
- Allstate: $3,457 per year for female and male teens
Nationwide is the most expensive company for teens, with families paying $6,342 yearly to add a female or male teen to a policy.
Rates for male teens are often higher than those for female teens because the former are riskier to insure. Depending on the company, this difference might be as low as $48 annually.
Adding a teen to their parent's coverage lowers their vehicle insurance expenses because purchasing a policy on their own may be much more costly than purchasing a family policy.
For example, a 16-year-old male will pay $673 more annually to get their own policy. Buying a family premium will save you thousands of dollars in insurance premiums over time, and you can shop around to find the cheapest car insurance for teens.
Cheapest Car Insurance in Anaheim for Military Drivers
According to our research, the following companies are the cheapest for military drivers in Anaheim:
- USAA: approximately $1,024 per year
- Progressive: approximately $1,056 per year
The prices listed above are for full coverage policies. Progressive ranks highest for minimum coverage at $460 per year, while USAA ranks second at $461 per year.
How to Compare Cheap Anaheim Car Insurance Quotes Online
Getting a car insurance estimate online in Anaheim, CA, can be time-consuming, taking 15 minutes or more and requiring you to provide several personal data. MoneyGeek's auto insurance calculator offers an easier and quicker option. Just enter your age, vehicle type, coverage level and driving record to generate an estimate of your premium.
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See how the Average Annual Auto Insurance Rates vary with the options chosen.
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Best Car Insurance in Anaheim: Summary
The best auto insurance for you will be determined by your preferences for service, cost, coverage and other factors. The top car insurance carriers in Anaheim, California, include:
- Best overall: Progressive (MoneyGeek score 74 out of 100)
- Best for service: Chubb (MoneyGeek score 76 out of 100)
- Best cheap: Progressive (MoneyGeek score 78 out of 100)
Changes in MoneyGeek ratings for each category can cause different scores. The best overall company in California is CSAA.
With a MoneyGeek score of 85 out of 100, USAA is an excellent choice for military families.
Best Overall Car Insurance Companies in Anaheim
The following companies provide affordable and high-quality services. Our top choices for the best car insurers in Anaheim are
- Progressive: MoneyGeek score 74 out of 100 (approximately $1,056 per year)
- GEICO: MoneyGeek score 71 out of 100 (approximately $1,207 per year)
Progressive received high rankings for coverage options and affordability.
USAA is the best insurer for military members and their dependents, earning an 85 out of 100 MoneyGeek scores. MoneyGeek's USAA auto insurance review provides further information on the provider's offerings.
How was this MoneyGeek score calculated?

pros
High score for affordability
Excellent coverage score
Offers accident forgiveness coverage
Has custom parts coverage
cons
Below-average claims management score
Lacks original equipment manufacturer (OEM) coverage
COMPANY HIGHLIGHTS
Coverage options and affordability are Progressive's strongest qualities. With an average yearly premium of $1,056 for comprehensive coverage in Anaheim, it is the least expensive option among the 15 insurers we evaluated.
Progressive provides CPE (custom parts and equipment) coverage as an add-on. CPE coverage can repair or replace things like a stereo, navigation system, custom wheels or a paint job that you add to your vehicle. CPE coverage has a $5,000 limit.
Progressive also provides deductible modification. With this coverage, Progressive will deduct $50 from your comprehensive or collision deductible for every six-month insurance term in which you remain accident and violation-free. It is reset when a claim is submitted.
It’s important to note that Progressive scored lower in claims management, which is something to keep in mind if you prefer having a smooth claims filing experience.
Best Car Insurance in Anaheim for Customer Service
Our ranking system excludes costs when determining the top auto insurers in Anaheim for customer satisfaction. Those insurers are:
- Chubb: MoneyGeek score 76 out of 100 (approximately $2,023 per year)
- Capital Insurance Group: MoneyGeek score 68 out of 100 (approximately $1,455 per year)
Chubb excels in policyholder satisfaction and customer claim processing. Although Chubb provides more quality service than the other 15 insurers we analyzed, its prices are much higher than the runner-up and most competitors.
How was this MoneyGeek score calculated?

pros
Excellent customer service
Offers original equipment manufacturer (OEM) coverage
Efficient claims management
cons
Expensive
Lacks roadside assistance coverage
COMPANY HIGHLIGHTS
According to J.D. Power research and the National Association of Insurance Commissioners (NAIC) customer complaint index, Chubb provides exceptional customer service.
Chubb provides OEM coverage, which pays for repairs made using original equipment manufacturer components. It also offers diminished value coverage, which covers the loss in value of a vehicle after it has been stolen or damaged and antique or classic car insurance, which covers vehicles that are at least 30 years old.
The provider’s rental car reimbursement coverage allows you to rent a car that is identical to or comparable to one you own. This policy provides up to $5,000 in coverage with no per diem restriction. This insurer does not provide roadside assistance or gap insurance, which are beneficial to drivers.
Best Cheap Car Insurance Companies in Anaheim
The best companies in Anaheim, based on our review of affordability and service quality for car insurance plans that simply fulfill California state's minimum coverage requirements, are:
- Progressive: MoneyGeek score 78 out of 100 (approximately $460 per year)
- GEICO: MoneyGeek score 76 out of 100 (approximately $476 per year)
Although minimum coverage plans have the lowest rates, they provide limited protection against liability expenses and no coverage for damage to your car after an accident.
How was this MoneyGeek score calculated?

pros
Good coverage score
Affordable
Offers autopay discount
cons
Below-average claims management score
COMPANY HIGHLIGHTS
Progressive achieved the highest MoneyGeek score for the "best cheap" category, balancing affordability and quality service to place first on our list.
Progressive policyholders get many discounts that further reduce their insurance costs. These include an automatic payment discount, for setting up automatic electronic policy payments; a sign-up online discount, for signing your policy document online; paying in full, for paying six months in full; and a multi-car discount, for insuring multiple cars.
The company provides a variety of coverages, including accident forgiveness, gap insurance, CPE coverage, roadside assistance and rental car or travel reimbursement. Progressive's broad discounts are available to consumers wanting to save money on their premiums.
Average Cost of Car Insurance in Anaheim
The average cost of car insurance in Anaheim is $1,448 per year, which is $61 higher than the California average cost and $183 more than the national average as of October 2022. These prices are for full coverage insurance with a bodily injury liability of $100,000 per person, a bodily injury liability of $300,000 per accident and a property damage liability of $100,000 per accident.
It’s important to note that location is just one of many factors that impacts the cost of coverage.
About Mark Fitzpatrick
