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.
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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Updated November 20, 2024
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Table of contents
Drivers in Anaheim can expect to pay an average of $224 per month for car insurance. The city’s rates are slightly lower than California’s average of $211 and well below the national average of $154 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 rates being slightly higher than you may expect.
Rates vary between insurers, though, so it’s important to compare car insurance quotes from multiple companies to find the best rate.
Mile Auto, Sun Coast, and Mercury 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 a different 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 | 8.0 | $190 | $104 | Driers with a DUI |
Travelers | 9.0 | $400 | $198 | Drivers with an at-fault accident |
Mile Auto | 7.5 | $108 | $60 | Teen drivers |
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 28,000 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 | 3.6 |
---|---|
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. | 8.0 /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. | $109/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. | $201/mo |
Drivers appreciate the exceptional service, fair prices, and attentive support, but some find the premiums can increase unexpectedly.
Drivers appreciate the exceptional service, fair prices, and attentive support, but some find the premiums can increase unexpectedly.
Patricia
November 4, 2024
Too Expensive
Carol
November 2, 2024
Auto Insurance Costs Rise in Sanctuary States
Patricia
November 1, 2024
Excellent Service
Mercury offers affordable auto insurance for drivers after a DUI, well below the national average rate.
Numerous coverage options, discounts, and bundling opportunities
Competitive auto insurance prices
Only available in 11 states (including California)
Only available in 11 states (including California)
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. | 9.0 /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. | $208/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. | $424/mo |
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
Nancy
November 18, 2024
Checking for Better Rate
Jim
November 12, 2024
Typical
Kenneth
November 5, 2024
Excellent
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.
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
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 | 4.2 |
---|---|
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. | $63/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. | $114/mo |
Cookie
October 15, 2024
Excellent
Tasha
October 10, 2024
Not pleased
Thomas
October 8, 2024
Mixed Review
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.
Low rates for drivers with low mileage
No use of tracking devices on your vehicle
Doesn’t offer discounts or bundles
Available in only nine states
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 few 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 on an auto policy, such as good student and defensive driver discounts.
Bundle your home and auto insurance policies. If you bundle your car insurance with homeowners, renters, or even life insurance, you could land a discount on your 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: Mile Auto
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, however. 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 Mile Auto, with an average cost of $63 per month. The table below provides details about the average cost of affordable liability-only insurance in Anaheim.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Mile Auto | $63 |
Sun Coast | $99 |
Mercury | $109 |
Anchor | $114 |
USAA | $129 |
National General | $139 |
Direct Auto | $161 |
GEICO | $172 |
Allstate | $179 |
Farmers | $184 |
State Farm | $199 |
Travelers | $208 |
21st Century | $227 |
Bristol West | $243 |
Cheapest full-coverage car insurance in Anaheim: Mile Auto
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 Mile Auto, with an average cost of $114 per month. The table provides details on some affordable insurers and their average monthly quotes.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Mile Auto | $114 |
Mercury | $201 |
Sun Coast | $242 |
USAA | $262 |
Anchor | $304 |
National General | $348 |
GEICO | $350 |
Allstate | $361 |
Farmers | $372 |
Direct Auto | $374 |
State Farm | $403 |
Travelers | $424 |
Bristol West | $435 |
21st Century | $461 |
Cheapest recent rates near Anaheim, California
Drivers using Insurify have found quotes as cheap as $47/mo for liability only and $71/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 November 20, 2024
*Quotes generated for Insurify users in and around Anaheim, California within the last 10 days. Last updated on November 20, 2024
Car insurance requirements in California
California requires all drivers to carry liability coverage. The table below shows the state’s minimum requirements.[3]
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability | $15,000 per person / $30,000 per accident |
Property damage liability | $5,000 |
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, however. 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.
Cheapest car insurance for drivers with a speeding ticket: Mile Auto
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 Mile Auto, with an average cost of $79 per month. The table below also shows more affordable options.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
---|---|---|
Mile Auto | $63 | $79 |
Sun Coast | $99 | $128 |
Mercury | $109 | $146 |
Anchor | $114 | $140 |
USAA | $129 | $160 |
National General | $139 | $174 |
Direct Auto | $161 | $200 |
GEICO | $172 | $214 |
Allstate | $179 | $222 |
Farmers | $184 | $228 |
State Farm | $199 | $245 |
Travelers | $208 | $261 |
21st Century | $227 | $293 |
Bristol West | $243 | $304 |
Cheapest car insurance for drivers with an at-fault accident: Mile Auto
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 Mile Auto, with an average cost of $81 per month. The table below shows affordable insurers for drivers with an accident on their record.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
---|---|---|
Mile Auto | $63 | $81 |
Sun Coast | $99 | $121 |
Mercury | $109 | $146 |
Anchor | $114 | $152 |
USAA | $129 | $161 |
National General | $139 | $173 |
Direct Auto | $161 | $205 |
GEICO | $172 | $215 |
Allstate | $179 | $223 |
Farmers | $184 | $228 |
State Farm | $199 | $246 |
Travelers | $208 | $261 |
21st Century | $227 | $290 |
Bristol West | $243 | $302 |
Cheapest car insurance for drivers with a DUI: Mile Auto
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 Mile Auto, with an average cost of $97 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.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
---|---|---|
Mile Auto | $63 | $97 |
Sun Coast | $99 | $140 |
Mercury | $109 | $153 |
Anchor | $114 | $175 |
USAA | $129 | $198 |
National General | $139 | $213 |
Direct Auto | $161 | $247 |
GEICO | $172 | $264 |
Allstate | $179 | $274 |
Farmers | $184 | $282 |
State Farm | $199 | $305 |
Travelers | $208 | $319 |
21st Century | $227 | $348 |
Bristol West | $243 | $372 |
Cheapest car insurance for seniors: Mile Auto
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 Mile Auto, with an average cost of $49 per month. Check out the table below to also see more affordable options.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
---|---|---|
Mile Auto | $49 | $89 |
Sun Coast | $87 | $212 |
Mercury | $89 | $164 |
Anchor | $91 | $244 |
USAA | $106 | $216 |
National General | $110 | $275 |
Direct Auto | $129 | $301 |
GEICO | $141 | $287 |
Allstate | $148 | $298 |
Farmers | $148 | $300 |
State Farm | $159 | $323 |
Travelers | $168 | $342 |
21st Century | $175 | $356 |
Bristol West | $201 | $359 |
Cheapest car insurance for teens: Mile Auto
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 Mile Auto, with an average cost of $119 per month. You can also find affordable options in the table below.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
---|---|---|
Mile Auto | $119 | $215 |
Sun Coast | $157 | $385 |
Anchor | $187 | $500 |
Mercury | $187 | $345 |
USAA | $209 | $425 |
GEICO | $265 | $540 |
National General | $266 | $667 |
Direct Auto | $286 | $664 |
Allstate | $309 | $624 |
Farmers | $312 | $630 |
State Farm | $331 | $671 |
Travelers | $365 | $744 |
21st Century | $372 | $756 |
Bristol West | $396 | $709 |
Is car insurance more expensive in Anaheim?
Anaheim drivers pay an average of $224 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 | $119 | $262 |
Berkeley | $137 | $267 |
Fresno | $130 | $258 |
Glendale | $241 | $449 |
Los Angeles | $211 | $401 |
Oakland | $153 | $351 |
Sacramento | $145 | $307 |
San Diego | $122 | $252 |
San Francisco | $149 | $329 |
San Jose | $131 | $270 |
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 $296 per month for full coverage and $152 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?
Mile Auto offers the cheapest car insurance rates in Anaheim, starting at $63 for liability-only coverage. Anaheim drivers can also find cheap rates from Sun Coast and Mercury, which have liability rates as low as $99 and $109, 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 $15,000 per person and $30,000 per accident in bodily injury liability coverage, as well as $5,000 per accident in property damage liability coverage.
Is California a no-fault state?
No. California is not 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 90 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 50+ 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.
Related articles
More cities in California
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 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.
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.
Featured in