bestauto insuranceAnaheim2022Compare the Cheapest Car Insurance Quotes in Anaheim, CA
In Anaheim, car insurance costs an average of $1,510 per year, which is more expensive than the state average. The cheapest insurer for an 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.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 11/22/2022
Edited By |
Kathryn Schroeder
Written By |
Mark Fitzpatrick
In Anaheim, Progressive is the cheapest auto insurance company overall; it also offers the lowest-priced minimum coverage policy. Esurance has the most affordable policy after a speeding ticket. For military families, USAA is a low-price option. MoneyGeek rated AAA as the best company for service quality and affordability. Coverage needs and driver profile determine the best company for you.
bestauto insuranceAnaheim2022The Cheapest and Best Car Insurance in Anaheim
Cheapest Overall - Progressive
Cheapest State Minimum - Progressive
Cheapest With a Driving Violation - Esurance
Best Overall - AAA
The Cheapest Car Insurance Companies in Anaheim
A full coverage policy includes liability plus collision and comprehensive insurance. In Anaheim, the following companies offer the cheapest full coverage auto policy:
- Progressive: $1,103 per year on average
- Esurance: $1,138 per year on average
USAA has a good price of around $1,161 annually.
Progressive is the cheapest company in Anaheim for a full coverage policy. Allied offers the most expensive policy at an average annual cost of $1,831. Going with Progressive could save you $728 a year over choosing Allied for auto insurance. Depending on the amount of liability you choose, your rate will vary.
Cheapest Car Insurance in Anaheim
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$1,103
- 2.$1,138
- 3.$1,161
- 4.$1,354
- 5.$1,370
MoneyGeek collected average quotes for a 40-year-old driver in Anaheim with a full coverage policy, as our methodology explains.
In addition to liability, a full coverage policy includes comprehensive and collision insurance, making it valuable. It is, of course, more expensive than a minimum coverage policy.
- Comprehensive coverage: helps repair or replace your vehicle after it’s stolen or damaged
- Collision coverage: pays for the replacement or repair of your vehicle after an at-fault accident
A full coverage policy may not be best for an old vehicle, as the cost may be more than the vehicle’s value. You could buy minimum-coverage or liability-only insurance to save money.
Compare Car Insurance Rates in Anaheim
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Anaheim for Minimum Coverage
The cheapest option for an auto insurance policy in Anaheim meets the minimum insurance coverage requirements of California. MoneyGeek found the following companies offer the best minimum coverage policy rates:
- Progressive: $476 on average annually
- GEICO: $604 on average annually
USAA has a low-priced minimum coverage policy, but it is only for military families and veterans.
The cheapest auto insurance policy is with Progressive, $461 less than Farmers, the most expensive auto insurance in Anaheim, averaging $937 per year.
A minimum coverage policy costs less but does not include comprehensive, collision or high liability coverage. This policy doesn’t fully cover vehicle loss or damage.
See the table below to understand how much higher liability coverage costs.
Cheapest Minimum Liability Car Insurance in Anaheim
State Minimum
- CompanyState Minimumper year
- 1.$476
- 2.$487
- 3.$604
- 4.$618
- 5.$621
California requires drivers to have an auto insurance policy with $15,000 per person/$30,000 per accident of bodily injury liability coverage and $5,000 of property damage liability coverage.
A policy that meets the state’s minimum requirements costs less and saves money, but with an accident, you may pay more.
For example, if you have an accident that causes property damage of $15,000, insurance covers $5,000, and you pay the remaining amount.
California Minimum Liability Requirements
- ItemDescription
- 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.
Cheapest Car Insurance in Anaheim if You Have Driving Violations
Driving violations, such as speeding tickets, DUIs and at-fault accidents, have a significant impact on car insurance rates in Anaheim. MoneyGeek found the cheapest companies, depending on the traffic violation:
- Cheapest after an at-fault accident: Esurance, $1,795 on average annually
- Cheapest after a speeding ticket: Esurance, $1,445 on average annually
- Cheapest after a DUI: Mercury, $2,416 on average annually
If you have a military background and a speeding ticket, USAA is the cheapest option.
With time, drivers with a poor record can get cheaper insurance by improving it. Meanwhile, they can compare quotes and buy a policy that offers them the best deal.
Cheapest Car Insurance in Anaheim With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$1,269
- 2.$1,445
- 3.$1,816
- 4.$1,873
- 5.$1,913
Average Cost of Car Insurance in Anaheim
Anaheim$1,510
California$1,429
U.S.$1,424
The average annual car insurance in Anaheim is $1,510 — slightly higher than both the annual costs of car insurance in California and 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.
Personalized Quotes to Get You the Cheapest Car Insurance in Anaheim
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.
Compare Car Insurance Rates in Anaheim
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Anaheim
MoneyGeek analyzed the best car insurance providers in Anaheim based on customer satisfaction scores, claim ratings and average rates. Based on the findings, the top auto insurance companies in Anaheim are:
- Esurance: MoneyGeek score of 89.2 out of 100
- Progressive: MoneyGeek score of 84.2 out of 100
For eligible military personnel and their families, USAA ranked as the best insurer in Anaheim, with a MoneyGeek score of 94.8 out of 100. MoneyGeek did not include USAA in our overall analysis because the company only serves military-affiliated drivers.
1
Esurance
Score:100
Esurance received the highest affordability score in Anaheim and a high score for financial stability and customer satisfaction. A 40-year-old with full coverage pays an average of $1,138 per year but can purchase additional coverage like custom parts.
More About Esurance
Esurance has five additional coverage options, including roadside assistance and rental car and/or travel reimbursement, which are quite common. Anaheim policyholders may also purchase gap insurance, which pays up to 25% more than their car’s actual value if it is totaled, to assist with paying off a loan or lease. Esurance also has ShareSmart, which eliminates gaps in coverage for those working for a ridesharing company. Custom parts and equipment add-on coverage protects after-market upgrades to a car, including sound systems, custom grills and other parts that the manufacturer did not install.
Read MoneyGeek's Esurance auto Insurance Review2
Progressive
Score:84
MoneyGeek gave Progressive the second-highest rating overall in Anaheim; it received high stability and affordability scores but an average claims rating. A full coverage policy for a 40-year-old averages $1,103 per year. Custom parts coverage and other optional add-on coverages are available.
More About Progressive
Policyholders can purchase six add-on coverages through Progressive auto insurance in Anaheim. These include custom parts coverage that covers the repair or replacement of items that you add in your car, including wheels, navigation systems and car systems, up to $5,000, if damaged/lost in a covered claim. You may also purchase gap insurance that pays the difference if your loan or lease amount is higher than the value of your vehicle when totaled in an accident.
Read MoneyGeek's Progressive auto Insurance ReviewAverage 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
- 92805$1,441
- 92802$1,509
- 92801$1,512
- 92804$1,579
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.
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