Cheapest Auto Insurance in Anaheim, California (2026)
USAA offers the cheapest car insurance in Anaheim, with minimum-coverage policies as low as $91 per month.
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Written byChristy Rakoczy
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Christy RakoczyInsurance and Personal Finance Freelance Writer
17+ years in personal finance and insurance writing
JD, Law from University of California, Los Angeles
Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.
Christy has been a contributor at Insurify since August 2023, helping readers make informed decisions about their insurance needs.
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Edited byDanny Smith
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Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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Table of contents
Drivers in Anaheim pay an average of $156 per month for car insurance. The city’s rates are slightly lower than California’s average of $141 and well below the national average of $136 per month.
Anaheim has a smaller population than other major California cities, including Los Angeles and San Diego.[1] But it’s home to Disneyland, which saw an estimated 16.8 million visitors in 2022.[2] The presence of tourists increases accident risks, which may contribute to Anaheim’s slightly higher rates.
Rates vary between insurers, though, so it’s important to compare car insurance quotes from multiple companies to find the best rate.
Quick Facts
USAA, National General, and Sun Coast are the cheapest car insurance companies for Anaheim residents.
California is an at-fault state for car insurance.
Insurers in California can’t use your credit score when determining your rates.
Cheapest car insurance companies in Anaheim
Car insurance costs vary based on your insurer, driving record, coverage needs, and various other factors. A company that provides low-price coverage for one motorist with a specific driving profile may not offer a low rate for another driver.
It’s always best to shop around on your own or with the help of an independent insurance agent and compare options to find the best auto insurance company in each situation. To help you get started, here are some companies offering low-cost coverage for Anaheim drivers.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best for |
|---|---|---|---|---|
| Mercury | 7.5 | $190 | $98 | Driers with a DUI |
| Travelers | 8.5 | $303 | $134 | Drivers with an at-fault accident |
| Mile Auto | 8.8 | $108 | $63 | Teen drivers |
Disclaimer: Table data sourced from real-time Anaheim car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Anaheim may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for drivers with a DUI: Mercury
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $108/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $209/mo |
4.0
Best choice in Anaheim, CABased on 629 verified driver reviews and ratings
How drivers feel about Mercury
Drivers appreciate the attentive customer service and claim handling but dislike the consistent rate increases and lack of transparency in pricing. Some also found the company to be lacking in empathy and flexibility.
AI-generated from the text of verified reviews collected by Insurify
Best in Anaheim for
Competitive rates
Rideshare drivers
Numerous discounts
How drivers feel about Mercury
Drivers appreciate the attentive customer service and claim handling but dislike the consistent rate increases and lack of transparency in pricing. Some also found the company to be lacking in empathy and flexibility.
AI-generated from the text of verified reviews collected by Insurify
Best in Anaheim for
Competitive rates
Rideshare drivers
Numerous discounts
Showing 25 California reviews for Anaheim drivers - See all 315 Mercury reviews
Karen
Verified Review
My Experience with Mercury Insurance
Reviewed in California on February 1, 2026
My experience with Mercury is excellent. I have had the same agent ever since I first signed up with them, I believe, in the late 1990s. They have discounts I had never heard of and answer all questions immediately. My car is a 2016 Toyota Rav4 LE. I've always had full coverage, I drive very little, I bought it brand new, and I only have 37,389 miles on it, no tickets, no accidents, and no DUI ever. However, my insurance has doubled! I'm retired and live on Social Security. I can't afford insurance that used to be $645.76 per year in 2022, $908.76 per year in 2024, and $1,289.76 in 2025! My question is why is my insurance going up so much when I'm a good driver, have very low mileage, no accidents, and no tickets?
Howard
Verified Review
Automobile Insurance for Older Car with Low Mileage and Older Driver
Reviewed in California on January 20, 2026
The premium is very good in comparison with other more popular car insurance companies, especially when insuring a 28-year-old car with comparatively low miles and a driver over 70 years old.
Fred
Verified Review
Mercury Rates
Reviewed in California on January 16, 2026
No one has offered a lower rate than what I currently pay.
Jeffrey
Verified Review
Mercury - You Can Have 'Em
Reviewed in California on December 7, 2025
Never had a claim, but trying to get a hold of anyone at the office is a lesson in frustration. They jacked up my rates with no notice.
Ingrid
Verified Review
Frustrated
Reviewed in California on November 28, 2025
I was looking for new quotes and found the insurance rate is the best available in my area. However, I found your ads untrue. I did have to provide my age, sex, and phone number to get a quote.
Gregory
Verified Purchase
Saving Money
Reviewed in California on November 24, 2025
In the first month, I saved money!
Dolores
Verified Review
It's an okay insurance. They explained my liability very thoroughly. The only thing I didn't like was the location of their office. Parking is awful and there are too many stairs to tackle to their office.
Reviewed in California on November 17, 2025
It's an okay insurance. They explained my liability very thoroughly. The only thing I didn't like was the location of their office. Parking is awful and there are too many stairs to tackle to their office.
Cristy
Verified Review
Fair
Reviewed in California on October 30, 2025
They raise prices when least expected and do not consider that I have a perfect driving record.
Linda
Verified Review
Looking for help
Reviewed in California on October 20, 2025
The rates are so high and I called to see about reducing them, but they didn’t help at all. That’s why I’m looking for a new company. I’ve been with them for over ten years.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
596NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.95A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Mercury offers affordable auto insurance for drivers after a DUI, well below the national average rate.
Pros
Numerous coverage options, discounts, and bundling opportunities
Competitive auto insurance rates
Offers gap, custom equipment, and rideshare coverage add-ons
Cons
Only available in 11 states (including California)
Low claims satisfaction score from J.D. Power
Bad 1.6/5 Trustpilot score
Best insurer for drivers with an at-fault accident: Travelers
| User Reviews | 4.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $146/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $331/mo |
4.7
Best choice in Anaheim, CABased on 1,280 verified driver reviews and ratings
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best in Anaheim for
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best in Anaheim for
Numerous discounts
Gap insurance
Rideshare coverage
Showing 11 California reviews for Anaheim drivers - See all 566 Travelers reviews
Keith
Verified Review
Very good service, however, they raise your premium substantially in subsequent years.
Reviewed in California on February 2, 2026
By almost all criteria, they do a very good job. However, they just raised my premium by 40%.
Judy
Verified Review
The minute I asked to check rates with other insurers, Travelers placed a ticket on my account hoping
Reviewed in California on January 30, 2026
Recently, I asked them for a discount on my car insurance and they would not give one. So I asked them if I could shop around and they said yes. I had a very small fender bender a few months back and I had 51% responsibility and the other person had 49% responsibility because she parked inside my lane.
Linda
Verified Review
Not good
Reviewed in California on January 14, 2026
My car was in and out of two different shops for two months! I lost my $30/day car rental discount after the first month. I think that discount should be adjusted upwards. There are very few, if any, cars that I could have rented for $30 per day! During the in-and-out of the shop process in the second month, I was finally able to get a car rental for the last repair that was necessary after I expressed my frustration with their policy. The agent I worked with had to request the exemption through her supervisor, who did approve it eventually. My overall experience with this process was frustrating, and I would not recommend these particular agents to others.
Mary
Verified Review
High rates/no claims
Reviewed in California on January 9, 2026
My main concern is the cost I now pay. As a result, I have been searching for comparable insurance. A number of companies’ rates are at least $500 lower. As I am on a limited income, I am seriously considering transferring. I have been with Travelers for nearly 10 years with no claims.
Jeff
Verified Review
Nothing bad to say
Reviewed in California on December 5, 2025
I feel like they should have looked into ways to save us money.
Robert
Verified Review
Travelers is a good company
Reviewed in California on July 11, 2025
Solid service and coverage with fine service. Nothing to be concerned about.
Jesus
Verified Review
Excellent
Reviewed in California on June 23, 2025
No bad experiences with Travelers.
Irwin
Verified Review
Need Assistance with Accessing Declaration Page
Reviewed in California on April 14, 2025
I am 81 years old with limited technical training. I requested a copy of my policy declaration page and received a reply dated 4/4/2025, advising me to go to 'My Travellers Account', under the policy tab via policy documents. However, when I tried, I was unable to find anything about policy documents to check. Since I am technically challenged, I find it to be like 'jumping through hoops'.
Bob
Verified Review
Travelers - Solid Coverage
Reviewed in California on April 5, 2025
They are supportive and reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Insurers charge higher car insurance rates for drivers after at-fault crashes due to the added risk. Travelers offers affordable rates for drivers with a crash on their record and accident forgiveness for drivers who purchase a Responsible Driver Plan.
Pros
Offers many opportunities to earn discounts, including early quote discounts and savings for electric car ownership
Offers many types of insurance coverage, so you may be able to get all the insurance you need from one insurer while scoring savings for bundling coverage
Cons
Received poor marks from some reviewers, earning just 2.1 out of 5 stars on Trustpilot
Not among the top insurers in California in J.D. Power’s customer satisfaction study
Best insurer for teen drivers: Mile Auto
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $70/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $120/mo |
4.5
Best choice in Anaheim, CABased on 189 verified driver reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best in Anaheim for
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best in Anaheim for
Low-mileage drivers
Senior drivers
Cheap full coverage
Showing recent national reviews - See all 65 Mile Auto reviews
Leroy
Verified Review
Why was I canceled?
Reviewed in Texas on February 9, 2026
1/14/26: Liked what I saw and purchased Auto Insurance.
1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit.
1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled.
2/01/26: Relented.
2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26.
2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.
Ronald
Verified Purchase
Monthly Insurance for the Price of Takeout
Reviewed in Ohio on January 11, 2026
I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.
Hiram
Verified Purchase
Try Them, Then You Will See
Reviewed in Tennessee on December 22, 2025
You won't know until you try them. They are good.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Mile Auto provides affordable coverage for teen drivers, which is important in Anaheim, where nearly a quarter (23%) of the population is younger than 18. Premium prices can be customized based on driving habits, like how often you drive, which can be helpful for teens just learning to drive.
Pros
Low rates for drivers with low mileage
No use of tracking devices on your vehicle
Cons
Doesn’t offer discounts or bundles
Available in only nine states
Find Cheap Car Insurance in Anaheim, California
Rates start at $91 per month for liability coverage
Excellent
4.7 out of 5 based on 12,529 reviews
Secure. Free. Easy-to-use.
How to get the cheapest car insurance in Anaheim
Insurers consider a variety of factors when setting your insurance rates, including your age, driving record, and location. Each company weighs these factors differently, so you’ll need to shop around to find the cheapest car insurance in Anaheim.
Here are some tips you can use to find the most affordable option for your unique situation:
Apply for discounts. Auto insurance companies usually offer various discounts that can help you save money, such as good student and defensive driver discounts.
Bundle your home and auto insurance policies. Bundling your car insurance with homeowners, renters, or even life insurance could land you a discount on coverage.
Select a higher deductible. A higher deductible means a lower premium. But be sure you can afford to pay it out of pocket if you need to file a claim.
Maintain a clean driving record. Drivers with clean records pay the cheapest premiums. Drive responsibly and avoid traffic violations.
Shop around. Compare quotes from at least three car insurance companies before buying a policy. Insurance companies weigh factors differently, so you may find cheaper rates for the same coverage from certain companies.
Cheapest liability-only car insurance in Anaheim: USAA
Liability car insurance covers the other driver’s property damage and injury costs from an at-fault accident. It doesn’t cover your own medical bills or property damages, though. Because liability insurance meets the state’s minimum requirements and offers no additional coverage, it’s usually the cheapest auto policy available.
The cheapest insurer for liability-only car insurance in Anaheim is USAA, with an average cost of $91 per month. The table below provides details about the average cost of affordable liability-only insurance in Anaheim.
The below rates in Anaheim, CA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $91 |
| National General | $96 |
| Sun Coast | $99 |
| Dairyland | $103 |
| Mercury | $108 |
| GEICO | $111 |
| Root | $116 |
| Allstate | $126 |
| Direct Auto | $129 |
| Farmers | $129 |
| Anchor | $131 |
| Bristol West | $132 |
| State Farm | $140 |
| Travelers | $146 |
| 21st Century | $159 |
| Nationwide | $197 |
Disclaimer: Table data sourced from real-time Anaheim car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Anaheim may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Anaheim: Root
Full-coverage auto insurance includes all liability coverages mandated by the state, as well as collision and comprehensive coverages. Comprehensive coverage pays for damage you experience due to non-collision events, while collision coverage pays for damage from collisions with other vehicles or stationary objects, like trees or telephone poles.
The cheapest insurer for full-coverage car insurance in Anaheim is Root, with an average cost of $201 per month. The table provides details on some affordable insurers and their average monthly quotes.
The below rates in Anaheim, CA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Root | $201 |
| USAA | $205 |
| Mercury | $209 |
| GEICO | $220 |
| Anchor | $223 |
| Sun Coast | $248 |
| Dairyland | $256 |
| National General | $282 |
| Allstate | $283 |
| Farmers | $291 |
| Bristol West | $307 |
| State Farm | $315 |
| Travelers | $331 |
| Direct Auto | $340 |
| 21st Century | $360 |
| Nationwide | $443 |
Disclaimer: Table data sourced from real-time Anaheim car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Anaheim may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Anaheim, California
Drivers using Insurify have found quotes as cheap as $52/mo for liability only and $96/mo for full coverage in Anaheim and other California cities.
*Quotes generated for Insurify users in and around Anaheim, California within the last 10 days. Last updated on March 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Anaheim, California within the last 10 days. Last updated on March 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 10, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in California
California requires all drivers to carry liability coverage. State lawmakers approved an increase in coverage limits, which takes effect on Jan. 1, 2025. The table below reflects this change and the types and amount of coverage all Anaheim drivers need to carry:[3]
Coverage | 2024 Coverage Limits | 2025 Coverage Limits |
|---|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident | $30,000 per person / $60,000 per accident |
| Property damage liability | $5,000 per accident | $15,000 per accident |
Drivers should also consider purchasing other types of coverage for more thorough protection, including:
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for accident-related damages caused by drivers with insufficient insurance.
Medical payments coverage
Medical payments coverage pays for immediate medical care after an accident, regardless of fault.
Collision coverage
Collision coverage pays for damage caused by a collision with another vehicle or an object like a telephone pole or fence.
Comprehensive coverage
Comprehensive coverage pays for non-collision damages, like vandalism, theft, and severe weather.
Gap insurance
Gap insurance can cover the difference between your loan balance and your insurance settlement after your vehicle is deemed a total loss.
California’s Low Cost Auto Insurance Program
CA Insurance Program
California offers a low-cost auto insurance program to help drivers meet minimum coverage requirements. The program offers affordable coverage for drivers who can’t otherwise afford to comply with state insurance requirements. Drivers can call 1 (866) 602-8861 to determine eligibility and find out the price for coverage.[4]
Cheapest car insurance for drivers with an incident
Drivers could see auto insurance rates increase after an incident. Incidents include speeding tickets, moving violations, at-fault accidents, driving under the influence, and lapses in insurance. Drivers with these incidents on their record appear high risk to an insurer and often face premium increases as a result.
You can still find affordable car insurance with blemishes on your driving record, though. Every insurer weighs driving factors differently, and some even specialize in coverage for drivers with incidents in their driving history. Below, you’ll find the most affordable insurers in Anaheim for drivers of varying driving histories.
Shop for Car Insurance in Anaheim, CA
Monthly rates start at $114 for drivers with an incident
Excellent
4.7 out of 5 based on 12,529 reviews
Secure. Free. Easy-to-use.
Cheapest car insurance for drivers with a speeding ticket: USAA
Insurers typically increase premiums for drivers who have a speeding ticket on their record, depending on the severity and number of tickets. Not all insurers impose the same penalty for speeding, though, so it’s important to compare quotes from multiple companies before buying a policy.
The cheapest insurer for drivers with a speeding ticket in Anaheim is USAA, with an average cost of $118 per month. The table below also shows more affordable options.
The below rates in Anaheim, CA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $91 | $118 |
| National General | $96 | $120 |
| Sun Coast | $99 | $125 |
| Dairyland | $103 | $129 |
| Mercury | $108 | $151 |
| GEICO | $111 | $146 |
| Root | $116 | $155 |
| Allstate | $126 | $165 |
| Direct Auto | $129 | $162 |
| Farmers | $129 | $166 |
| Anchor | $131 | $163 |
| Bristol West | $132 | $167 |
| State Farm | $140 | $178 |
| Travelers | $146 | $190 |
| 21st Century | $159 | $210 |
| Nationwide | $197 | $257 |
Disclaimer: Table data sourced from real-time Anaheim car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Anaheim may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
Your insurance company will likely raise your rates after an at-fault accident, as it has to pay out the claim and will now consider you a higher risk to insure than drivers with clean records. Some insurers raise rates less after at-fault accidents than others, so it’s important to compare quotes.
The cheapest insurer for drivers with an at-fault accident in Anaheim is USAA, with an average cost of $119 per month. The table below shows affordable insurers for drivers with an accident on their record.
The below rates in Anaheim, CA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $91 | $119 |
| National General | $96 | $124 |
| Sun Coast | $99 | $124 |
| Dairyland | $103 | $133 |
| Mercury | $108 | $159 |
| GEICO | $111 | $140 |
| Root | $116 | $151 |
| Allstate | $126 | $164 |
| Direct Auto | $129 | $171 |
| Farmers | $129 | $167 |
| Anchor | $131 | $166 |
| Bristol West | $132 | $169 |
| State Farm | $140 | $180 |
| Travelers | $146 | $191 |
| 21st Century | $159 | $210 |
| Nationwide | $197 | $258 |
Disclaimer: Table data sourced from real-time Anaheim car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Anaheim may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
DUIs are considered very high-risk behavior — they increase the risk of a collision significantly, so many insurers substantially increase premiums after an arrest for impaired driving. Some insurers raise premiums more than others, and some may even refuse to cover you.[5]
The cheapest insurer for drivers with a DUI in Anaheim is USAA, with an average cost of $127 per month. You can also compare other insurers listed in the table below to see which will provide affordable coverage for you after a DUI.
The below rates in Anaheim, CA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $91 | $127 |
| National General | $96 | $134 |
| Sun Coast | $99 | $128 |
| Dairyland | $103 | $143 |
| Mercury | $108 | $156 |
| GEICO | $111 | $153 |
| Root | $116 | $162 |
| Allstate | $126 | $175 |
| Direct Auto | $129 | $179 |
| Farmers | $129 | $179 |
| Anchor | $131 | $184 |
| Bristol West | $132 | $184 |
| State Farm | $140 | $195 |
| Travelers | $146 | $203 |
| 21st Century | $159 | $207 |
| Nationwide | $197 | $274 |
Disclaimer: Table data sourced from real-time Anaheim car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Anaheim may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Senior drivers sometimes present an increased collision risk due to delayed reaction times and worsening health. As a result, your age can cause premium increases.
The cheapest insurer for senior drivers in Anaheim is USAA, with an average cost of $75 per month. Check out the table below to also see more affordable options.
The below rates in Anaheim, CA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $75 | $170 |
| National General | $77 | $226 |
| Mercury | $88 | $170 |
| Dairyland | $89 | $221 |
| Sun Coast | $89 | $222 |
| GEICO | $90 | $178 |
| Root | $99 | $171 |
| Allstate | $104 | $234 |
| Farmers | $104 | $236 |
| Direct Auto | $106 | $280 |
| Anchor | $109 | $185 |
| State Farm | $112 | $253 |
| Bristol West | $112 | $261 |
| Travelers | $119 | $270 |
| 21st Century | $128 | $289 |
| Nationwide | $154 | $346 |
Disclaimer: Table data sourced from real-time Anaheim car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Anaheim may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Insurers consider teen drivers to be high risk due to elevated accident rates, limited driving experience, and difficulty with impulse control. Teens can keep insurance costs down by remaining on their parents’ insurance, qualifying for good student discounts, and driving a safe vehicle.
The cheapest insurer for teen drivers in Anaheim is USAA, with an average cost of $170 per month. You can also find affordable options in the table below.
The below rates in Anaheim, CA, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $170 | $384 |
| Dairyland | $179 | $444 |
| Sun Coast | $184 | $460 |
| National General | $196 | $577 |
| GEICO | $201 | $398 |
| Mercury | $202 | $391 |
| Root | $202 | $351 |
| Anchor | $233 | $397 |
| Bristol West | $238 | $554 |
| Direct Auto | $251 | $661 |
| Allstate | $252 | $566 |
| Farmers | $260 | $586 |
| State Farm | $275 | $618 |
| 21st Century | $290 | $656 |
| Travelers | $306 | $695 |
| Nationwide | $389 | $875 |
Disclaimer: Table data sourced from real-time Anaheim car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Anaheim may vary based on the policy buyer's unique driver profile.
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Is car insurance more expensive in Anaheim?
Anaheim drivers pay an average of $156 per month for car insurance, slightly less than both the state and national averages. Accident rates, driver demographics, and crime rates can all affect auto insurance costs in a given area.
More cities in California
Some California cities have more expensive auto insurance rates than Anaheim, but others offer more affordable coverage. For example, the average monthly cost of full-coverage auto insurance in Anaheim is more expensive in Bakersfield but less expensive than in San Francisco. The table below shows what you can expect to pay in different cities.
City | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Bakersfield | $83 | $181 |
| Berkeley | $99 | $215 |
| Fresno | $84 | $177 |
| Glendale | $183 | $373 |
| Los Angeles | $154 | $297 |
| Oakland | $101 | $232 |
| Sacramento | $103 | $208 |
| San Diego | $84 | $173 |
| San Francisco | $104 | $248 |
| San Jose | $88 | $189 |
Disclaimer: Table data is based on real-time Anaheim quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Anaheim car insurance FAQs
Finding the right car insurance can be difficult. Below are answers to some of the most commonly asked questions about car insurance in Anaheim.
How much is car insurance in Anaheim?
On average, car insurance in Anaheim costs $206 per month for full coverage and $107 for liability-only insurance. But your premium will depend on factors like your location, driving record, age, and gender.
Who has the cheapest car insurance in Anaheim?
USAA offers the cheapest car insurance rates in Anaheim, starting at $91 for liability-only coverage. Anaheim drivers can also find cheap rates from National General and Sun Coast, which have liability rates as low as $96 and $99, respectively.
What are the best car insurance companies in Anaheim?
Many reliable insurers offer coverage in Anaheim, but Mercury, Travelers, and Mile Auto stand out as the best car insurance companies for certain types of drivers. Mercury is good for drivers with DUIs, Travelers is a good fit for drivers with at-fault accidents, and Mile Auto is an excellent fit for teen drivers.
What are the minimum car insurance requirements in California?
All drivers in California must carry $30,000 per person and $60,000 per accident in bodily injury liability coverage, as well as $15,000 per accident in property damage liability coverage.
Is California a no-fault state?
No. California isn't a no-fault state for auto insurance. California is an at-fault state, meaning the driver responsible for causing an accident is financially liable for the injuries and damage they cause.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Census.gov. "U.S. Census Bureau QuickFacts: Anaheim city, California."
- Themed Entertainment Association. "The Global Attractions Attendance Report."
- State of California Department of Motor Vehicles. "Insurance Requirements."
- California Department of Insurance. "California's Low Cost Auto Insurance Program."
- Nolo. "Will My Car Insurance Cover My DUI Car Accident?."
)
Christy RakoczyInsurance and Personal Finance Freelance Writer
17+ years in personal finance and insurance writing
JD, Law from University of California, Los Angeles
Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.
Christy has been a contributor at Insurify since August 2023, helping readers make informed decisions about their insurance needs.
Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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