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.
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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Drivers in Anaheim can expect to pay an average of $225 per month for car insurance. The city’s rates are slightly lower than California’s average of $212 and well below the national average of $160 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.
Quick Facts
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 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.
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.
$100/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.
$186/mo
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 prices
Cons
Only available in 11 states (including California)
Only available in 11 states (including California)
Alex is always good, but he needs to provide more explanations of the policy for older adults. Additionally, better discounts for them would be appreciated.
Randy - July 23, 2024
Verified
Review of Mercury
I had one accident and the claim process was good. However, the accident doubled my rate, so I'm switching.
Fred - July 22, 2024
Verified
Increasing Rates Despite No Tickets or Accidents
I haven't had any tickets or accidents for at least 9 years, yet my rate keeps increasing.
…
Best insurer for drivers with an at-fault accident: Travelers
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.
$198/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.
$410/mo
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
It was a horrible experience. We were loyal customers for years and never filed any claims. However, this year, both my husband and I were involved in accidents. It was the first year we actually needed to utilize our insurance benefits, and we were dropped.
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.
$64/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.
$118/mo
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.
They're good, it just takes a while for them to do anything.
Find Cheap Car Insurance in Anaheim, California
Rates start at $64 per month for liability coverage
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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:
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 $64 per month. The table below provides details about the average cost of affordable liability-only insurance in Anaheim.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
$64
Sun Coast
$80
Mercury
$100
Anchor
$106
USAA
$123
National General
$139
GEICO
$163
Direct Auto
$165
Allstate
$170
Farmers
$174
State Farm
$189
Travelers
$198
21st Century
$215
Bristol West
$237
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $118 per month. The table provides details on some affordable insurers and their average monthly quotes.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
$118
Mercury
$186
Sun Coast
$233
Anchor
$247
USAA
$254
GEICO
$339
National General
$339
Allstate
$350
Farmers
$360
Direct Auto
$388
State Farm
$391
Travelers
$410
Bristol West
$443
21st Century
$446
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. 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. 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:
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.
Shop for Car Insurance in Anaheim, CA
Monthly rates start at $83 for drivers with an incident
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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 $85 per month. The table below also shows more affordable options.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Mile Auto
$64
$85
Sun Coast
$80
$108
Mercury
$100
$135
Anchor
$106
$133
USAA
$123
$154
National General
$139
$175
GEICO
$163
$205
Direct Auto
$165
$208
Allstate
$170
$214
Farmers
$174
$218
State Farm
$189
$236
Travelers
$198
$251
21st Century
$215
$279
Bristol West
$237
$297
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $87 per month. The table below shows affordable insurers for drivers with an accident on their record.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Mile Auto
$64
$87
Sun Coast
$80
$101
Mercury
$100
$134
Anchor
$106
$146
USAA
$123
$154
National General
$139
$176
GEICO
$163
$205
Direct Auto
$165
$212
Allstate
$170
$213
Farmers
$174
$217
State Farm
$189
$236
Travelers
$198
$250
21st Century
$215
$276
Bristol West
$237
$293
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $84 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 are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Mile Auto
$64
$84
Sun Coast
$80
$102
Mercury
$100
$132
Anchor
$106
$157
USAA
$123
$182
National General
$139
$206
GEICO
$163
$242
Direct Auto
$165
$245
Allstate
$170
$252
Farmers
$174
$258
State Farm
$189
$280
Travelers
$198
$293
21st Century
$215
$319
Bristol West
$237
$351
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $50 per month. Check out the table below to also see more affordable options.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Mile Auto
$50
$93
Sun Coast
$71
$207
Mercury
$79
$147
Anchor
$86
$200
USAA
$102
$211
National General
$113
$276
Direct Auto
$133
$313
GEICO
$135
$281
Farmers
$141
$292
Allstate
$142
$293
State Farm
$153
$317
Travelers
$162
$335
21st Century
$168
$348
Bristol West
$197
$369
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $115 per month. You can also find affordable options in the table below.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Mile Auto
$115
$212
Sun Coast
$120
$350
Mercury
$167
$311
Anchor
$170
$397
USAA
$187
$386
GEICO
$234
$486
National General
$248
$605
Allstate
$274
$564
Direct Auto
$277
$650
Farmers
$281
$581
State Farm
$293
$607
Travelers
$328
$679
21st Century
$329
$683
Bristol West
$369
$690
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $225 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $302 per month for full coverage and $148 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 $64 for liability-only coverage. Anaheim drivers can also find cheap rates from Sun Coast and Mercury, which have liability rates as low as $80 and $100, respectively.
What are the best car insurance companies in Anaheim?
Many reliable insurers offer coverage in Anaheim, but Clearcover, Travelers, and Hugo stand out as the best car insurance companies for certain types of drivers. Clearcover is good for drivers with DUIs, Travelers is a good fit for drivers with at-fault accidents, and Hugo 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
Nolo. "Will My Car Insurance Cover My DUI Car Accident?."
Christy Rakoczy
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.
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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