120+ more*Quotes generated for Insurify users in and around Anaheim, California within the last 10 days. Last updated on July 18, 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 July 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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The cheapest overall car insurance company in Anaheim, California, is USAA, with an average liability-only premium of $74 per month.
Average car insurance rates in Anaheim are higher than the state average of $148.
Insurance premiums may be higher in Anaheim due to 6% of Anaheim drivers having an accident on their record.
Drivers in Anaheim, California, pay an average cost of $113 per month for state-minimum liability insurance and $212 per month for full-coverage auto insurance. That’s higher than nearby Orange and the California state average but right on par with Buena Park, which sits just northwest of the city.
Anaheim’s higher premiums may be due to the number of accidents in the area. Almost 6% of Anaheim drivers have an accident on their record, Insurify data shows.
Anaheim sits very close to several fault lines, which puts it at a higher risk of natural disasters, including earthquakes and fault ruptures. Additionally, the area is at risk for wildfires, flooding, and dam inundation.[1]
Below you can see how Anaheim’s average car insurance cost compares to the state average.
Car Insurance Costs in Anaheim vs. California | Average Monthly Quote |
|---|---|
| Anaheim average | $163 |
| California average | $148 |
The cheapest car insurance company in Anaheim for liability-only coverage is USAA, with an average premium of $74 per month.
Aspire General offers the cheapest full-coverage insurance, with rates averaging $137 per month.
Liability quotes in Anaheim start at $74/mo.
Driving and traffic conditions are different in every city. Here’s what to know about driving in Anaheim:
Be prepared for delays. The area is home to more than a dozen road, sidewalk, and bike lane improvement projects, which could delay travel in and around Anaheim. This includes a major project to widen sections of Lincoln Avenue, one of Anaheim’s major roads.
Public transit options are plentiful. The Orange County area is full of public transit options, including trains, buses, and vanpools. Some go as far as Huntington Beach, Fullerton, and San Juan Capistrano.
Expect traffic. Many of Anaheim’s roads are highly traveled. At least nine see more than 45,000 vehicles per day. Beach Boulevard is the most traveled street in the city, with more than 60,000 cars per day.[2]
Tourism means many out-of-towners. Anaheim is home to the Disneyland Resort, the Anaheim Ducks, and the Los Angeles Angels. Whether you’re going on a family trip or catching a sporting event, you can expect a lot of tourist congestion around the park and stadiums.
The Los Angeles metro area (which consists of Los Angeles and Orange counties) has the sixth-highest number of stolen cars in the nation and an average rate of 215 cars stolen for every 100,000 people, according to Insurify data. The area has more stolen cars than any other metro in the state.
This high level of vehicle theft can push insurance costs up for drivers in Anaheim, as it increases the risk of claims in the area.
The most affordable places to get car insurance in California are Lompoc and Redding. Both have significantly lower insurance rates than Anaheim, where drivers pay more than both the state average and most neighboring cities, including Orange and Brea.
Anaheim generally has higher insurance costs due to its high number of car crashes. The city ranks No. 5 for the most fatal car crashes out of all 15 California cities of similar size. It also ranks No. 4 for alcohol-involved crashes.[3]
See the table below for average car insurance rates for several California cities.
City | Average Monthly Quote |
|---|---|
| Anaheim | $163 |
| Bakersfield | $132 |
| Berkeley | $153 |
| Chula Vista | $128 |
| Elk Grove | $143 |
| Fremont | $138 |
| Fresno | $131 |
| Glendale | $268 |
| Long Beach | $171 |
| Los Angeles | $225 |
| Modesto | $143 |
| Moreno Valley | $147 |
| Oakland | $170 |
| Oxnard | $138 |
| Riverside | $150 |
| Sacramento | $158 |
| San Bernardino | $157 |
| San Diego | $130 |
| San Francisco | $171 |
| San Jose | $136 |
| Santa Ana | $154 |
| Santa Barbara | $120 |
| Santa Maria | $114 |
| Stockton | $146 |
| Temecula | $130 |
| Victorville | $161 |
Anaheim is a bustling city with an average commute time of 27 minutes, and various tourist attractions and sporting events make its traffic worse.
Disneyland is located in Anaheim, so the area can get congested during holidays and high-travel seasons, like summer and spring break. It attracts more than 28 million visitors per year to Anaheim.
The city is also home to the Los Angeles Angels stadium, which can attract more than 45,000 people per game during the March through October season.
The Honda Center in Anaheim is home to the Anaheim Ducks. It’s also a major concert venue in the area and can hold more than 18,000 people. After games, there’s often heavy congestion along Katella Avenue that can extend to getting onto the I-5 and State Route 57.
Many roads in Anaheim see more than 30,000 vehicles per day, and even up to 61,000 in some cases.[4] This level of congestion can increase the chance of accidents and lead to higher insurance premiums in the area.
Save up to $1,100† per year on coverage
California generally has more expensive insurance rates than other states, but Anaheim has a few risk factors that push rates even higher.
A lot of factors contribute to Anaheim’s high car insurance rates, including natural disaster risks, like earthquakes, wildfires, and flooding. The city has high accident rates, with 6% of Anaheim drivers having an accident on their record. Anaheim also has widely traveled roads, with the 5, the 91, and the 57 running through the city.
The major tourism industry in Anaheim increases congestion and accident risks, causing insurance rates to increase.
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Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
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Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
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Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
USAA has the cheapest state-minimum car insurance in Anaheim, followed by Aspire General and GEICO.
The state of California requires minimum liability coverage of $30,000 for bodily injury per person, $60,000 per accident, and $15,000 for property damage.[5] Minimum coverage usually costs less than full coverage, but it covers only damage you cause to other drivers and vehicles — not your own.
Use the table below to see more cheap companies for liability-only car insurance in Anaheim.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $74 |
| Aspire General | $78 |
| GEICO | $80 |
| Sun Coast | $81 |
| Mercury | $83 |
| National General | $83 |
| Dairyland | $91 |
| Root | $99 |
| Direct Auto | $100 |
| Allstate | $102 |
| Farmers | $104 |
| Anchor | $109 |
| State Farm | $113 |
| Bristol West | $114 |
| Kemper Special | $119 |
| Travelers | $119 |
| 21st Century | $130 |
| Kemper Rsvp | $130 |
| Chubb | $202 |
The cheapest full-coverage car insurance company in Anaheim is Aspire General, with an average monthly premium of $137.
Full-coverage car insurance can be a smart choice in Anaheim due to the city’s exposure to earthquakes, flooding, and wildfires, as well as its high vehicle theft rates. These types of policies typically include comprehensive coverage, collision coverage, and liability insurance, and your lessor or lender may require them if you lease or finance a car.
Use the table below to see more rates for full-coverage auto insurance in Anaheim.
Insurance Company | Average Monthly Quote |
|---|---|
| Aspire General | $137 |
| Root | $153 |
| Mercury | $160 |
| GEICO | $163 |
| USAA | $165 |
| Kemper Special | $182 |
| Kemper Rsvp | $185 |
| Sun Coast | $191 |
| Anchor | $204 |
| Dairyland | $217 |
| National General | $222 |
| Allstate | $227 |
| Farmers | $234 |
| Bristol West | $244 |
| Direct Auto | $247 |
| State Farm | $254 |
| Travelers | $266 |
| 21st Century | $289 |
| Chubb | $451 |
*Quotes generated for Insurify users in and around Anaheim, California within the last 10 days. Last updated on July 18, 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 July 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
The cheapest insurance company for Anaheim drivers with a speeding ticket is USAA. Less than 3% of Anaheim drivers have a ticket, according to Insurify data. In California, speeding tickets can add one point to your record.[6]
See the table below for other cheap car insurance options if you have a ticket in Anaheim.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $96 |
| Aspire General | $99 |
| Sun Coast | $103 |
| National General | $104 |
| GEICO | $105 |
| Dairyland | $114 |
| Mercury | $116 |
| Root | $119 |
| Direct Auto | $127 |
| Allstate | $133 |
| Farmers | $134 |
| Anchor | $135 |
| State Farm | $144 |
| Bristol West | $145 |
| Kemper Special | $151 |
| Travelers | $155 |
| Kemper Rsvp | $165 |
| 21st Century | $172 |
| Chubb | $259 |
Just under 6% of Anaheim drivers have an at-fault accident on their record, according to Insurify data. Accidents can remain on your driving record in California for at least three years.[7] This can lead to higher auto insurance premiums compared to people with a clean driving history.
California follows an at-fault system, meaning the driver who causes the car accident or their insurer covers the damages. Still, if someone else causes an accident while driving your car, you could be found financially responsible.
For Anaheim drivers with an accident, the cheapest insurer is USAA. These and other cheap car insurance companies for drivers with an at-fault accident in Anaheim are outlined in the table below.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $98 |
| Aspire General | $100 |
| Sun Coast | $103 |
| GEICO | $104 |
| National General | $109 |
| Dairyland | $118 |
| Mercury | $122 |
| Root | $122 |
| Direct Auto | $134 |
| Allstate | $135 |
| Farmers | $137 |
| Anchor | $139 |
| State Farm | $148 |
| Bristol West | $148 |
| Kemper Special | $152 |
| Travelers | $158 |
| Kemper Rsvp | $166 |
| 21st Century | $175 |
| Chubb | $265 |
Insurify data shows that about 0.79% of Anaheim drivers have a DUI on their record. California has strict laws regarding DUIs. Drivers found guilty of DUIs in California may have their driving privileges suspended, have their cars impounded, and face fines or up to six months in jail.[8]
Anaheim drivers with a DUI pay monthly averages of $153 for liability coverage and $286 for full coverage.
Here’s a look at the cheapest car insurance companies in Anaheim for drivers with a DUI.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $103 |
| Aspire General | $105 |
| Sun Coast | $109 |
| GEICO | $111 |
| National General | $116 |
| Mercury | $123 |
| Dairyland | $127 |
| Root | $138 |
| Direct Auto | $140 |
| Allstate | $142 |
| Farmers | $145 |
| Anchor | $153 |
| State Farm | $158 |
| Bristol West | $159 |
| Kemper Special | $161 |
| Travelers | $166 |
| 21st Century | $175 |
| Kemper Rsvp | $176 |
| Chubb | $282 |
The teen driver proportion is slightly larger in Anaheim than in California overall. More than 22% of Anaheim’s residents are younger than 18, compared to 21% statewide.
California has a graduated licensing program. Drivers younger than 18 are considered provisional drivers and can’t operate a vehicle between the hours of 11 p.m. and 5 a.m.[9]
For teen drivers in Anaheim, the cheapest insurer is USAA. See the table below for the best car insurance rates for teenage drivers in Anaheim.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $135 |
| Aspire General | $140 |
| GEICO | $144 |
| Sun Coast | $146 |
| Root | $148 |
| Mercury | $151 |
| Dairyland | $157 |
| National General | $164 |
| Direct Auto | $193 |
| Allstate | $199 |
| Bristol West | $200 |
| Farmers | $206 |
| Anchor | $207 |
| Kemper Special | $214 |
| State Farm | $217 |
| 21st Century | $231 |
| Kemper Rsvp | $234 |
| Travelers | $245 |
| Chubb | $412 |
Insurify partners with 120+ top insurers for real-time quotes
The cheapest car insurance companies for seniors in Anaheim are USAA and Aspire General, which have premiums significantly lower than those of other insurers in the area. Around 13% of Anaheim’s population is 65 and older — less than the state’s 17% average, according to the U.S. Census.
See the table below for the cheapest car insurance companies in Anaheim for seniors.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $62 |
| GEICO | $65 |
| National General | $67 |
| Mercury | $67 |
| Aspire General | $71 |
| Sun Coast | $74 |
| Dairyland | $79 |
| Direct Auto | $84 |
| Farmers | $85 |
| Allstate | $85 |
| Anchor | $90 |
| State Farm | $91 |
| Root | $93 |
| Bristol West | $98 |
| Travelers | $98 |
| 21st Century | $105 |
| Kemper Special | $108 |
| Kemper Rsvp | $118 |
| Chubb | $157 |
Anaheim car insurance can be expensive, but shopping around can help you secure the best rates possible. Here’s more information to guide your search.
Drivers in Anaheim pay an average of $113 per month for state-minimum liability coverage and $212 for full-coverage car insurance. That’s more than the state average and the average premiums in many nearby cities.
USAA has the lowest car insurance rates in Anaheim, with liability premiums averaging $74 per month. Your exact premium will depend on your driving record, ZIP code, coverage choices, deductible, and other factors.
Many factors contribute to Anaheim’s high car insurance premiums, including natural disaster risks, road congestion, accident rates, high numbers of vehicle thefts, and more.
Car insurance premiums in Anaheim are less expensive than in Los Angeles. Anaheim drivers pay an average of $163 per month, while LA drivers pay $225.
Drivers in Anaheim (and anywhere in California) need to have at least $30,000 per person in bodily injury liability, $60,000 per accident in bodily injury liability, and $15,000 in property damage liability.
It can. Living near Disneyland could play a role in Anaheim’s high car insurance rates, as it increases road congestion in the area, especially during high-tourism seasons. This can increase the risk of accidents, so insurers charge higher rates to offset the risk.
Drivers in Anaheim can lower the cost of car insurance by shopping around for multiple quotes, taking advantage of auto insurance discounts, buying a safer car, choosing a higher deductible, and reducing coverage options to just the state-required minimums. Bundling your policy with your home insurance or renters insurance policy can help you save, too.
Insurify data scientists analyzed more than 250 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:
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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Bylines include Forbes, Bankrate, and CBS News
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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