Cheapest and Best Car Insurance in Anaheim, CA (2024)

Finding the most cost-effective or premium auto insurance in Anaheim hinges on coverage options and individual driver profiles. While Progressive is the most affordable for minimum and full coverage, State Farm offers the lowest rates for families with teen drivers. Contrasting this, Capital Insurance Group shines as best overall, offering optimal value between price and customer service, whereas Chubb reigns supreme in service alone. The ideal insurer for you will be based on your unique preferences and coverage necessities.

MoneyGeek found that Progressive offers the most affordable minimum coverage car insurance in Anaheim. If you're looking for the cheapest car insurance, here are the two best options:

• Progressive: $460 per year
• Mercury: $518 per year

Chubb has the highest annual premium for minimum coverage in Anaheim at $868. Comparing Chubb to Progressive, there's a $408 difference in annual costs, underscoring the importance of shopping around to find the best rates for car insurance.

Across all Californian cities, including Anaheim, it's state law that sets the benchmark for minimum required car insurance coverage. Here's the essential info:

• $15,000 bodily injury per person
  
• $30,000 bodily injury per accident
  
• $5,000 property damage liability per accident
  

For instance, if you're at fault in a car accident in Anaheim, your minimum insurance policy may cover up to $15,000 for injuries you cause to one person, and $30,000 total if multiple people are hurt. If you're hit with damages that surpass these amounts, you'll likely have to pay the difference.

MoneyGeek found that Progressive is the cheapest option in Anaheim, offering the most affordable cheapest full coverage car insurance. Here are the two cheapest providers:

• Progressive: $1,056 per year
• AAA: $1,276 per year

Farmers has the most expensive full coverage policy in the city, at $2,040 annually. This demonstrates the significant potential savings, as choosing the most affordable option could spare Anaheim drivers nearly $984 per year. Full coverage policies are pricier than minimum coverage due to the additional protections they offer, such as coverage for your own vehicle's damages.

At MoneyGeek, our sample full coverage insurance policy for Anaheim enhances protection by elevating liability limits to $100,000 for bodily injury liability per individual, $300,000 for bodily injury per incident and $100,000 for property damage per accident. This level of coverage is succinctly termed a 100/300/100 plan.

Full coverage insurance extends beyond just higher liability limits; it includes both comprehensive and collision coverage components:

• Collision Insurance: This coverage reimburses you for damages to your vehicle as a result of a crash, either with another vehicle or an object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This coverage compensates for damages to your automobile from non-collision events, such as theft or natural disasters and being struck by an animal like a deer.

Full coverage insurance is recommended for owners of new vehicles. However, if your car is older, the additional cost for this enhanced protection may not provide enough value to justify the expense. You should balance between having sufficient coverage to mitigate the risk of being underinsured and managing the cost of higher premiums when deciding how much car insurance you need.

In Anaheim, for a full coverage policy, the cheapest company for drivers with a poor driving record varies based on the offense. Specific companies offer the lowest rates for different incidents:

• Speeding Ticket: National General ($1,359 per year)
• At-fault accident: Capital Insurance Group ($1,685 per year)
• DUI: National General($1,359 per year)

In contrast, Hartford has the highest annual premium after a DUI at $5,884. It's important to shop around for the best rates post-incident, as one company may offer the best rates for multiple offenses.

In Anaheim, insurance rates typically surge with the severity of a driving infraction due to the heightened risk insurers associate with those drivers. For instance, an individual with a ticket may see an average annual premium of about $2,147. Yet, for those with a DUI, that figure climbs drastically to approximately $3,613.

MoneyGeek found that GEICO offers the most economical full coverage car insurance for male and female teens in Anaheim. Discover the cheapest car insurance for teens tailored for your family needs.

• GEICO: $3,403 per year for female teens and $3,556 per year for male teens.
• Allstate: $3,457 per year for female teens and $3,457 per year for male teens.

These rates are particularly competitive when considering the inclusion of two parents and a teen driver on the policy. Nationwide has the priciest teen family policy in the city, with an annual premium that can shoot up to $6,342 for female teen drivers. The significant price disparity of $2,939 between the most affordable and the most expensive options for females underscores the importance of comparing quotes.

In Anaheim and similar urban centers, teen drivers may face substantial financial hurdles when purchasing car insurance independently. The average individual annual premium for a teenage driver is approximately $4,668, markedly higher compared to the average family annual premium of $4,308. This significant cost disparity exists because insurers consider teens high-risk drivers. It can be challenging for teens to obtain an individual policy, as providers often require a proven track record of responsibility and financial independence, which teens often lack. Therefore, it is usually advantageous for teens to be added to a family policy to secure lower rates and improved approval odds.

Progressive offers the most competitive rates for full coverage car insurance tailored to individuals with military backgrounds in Anaheim. If you're searching for the cheapest car insurance for military backgrounds, here are the top two providers listed by their annual premium:

• Progressive: $1,056 per year
• AAA: $1,276 per year

While not the least expensive option with an annual premium of $1,322, USAA specializes in serving those who have served in the military, offering coverage that is conscientiously tailored to meet their unique needs.

Use the car insurance calculator from MoneyGeek to get insurance quotes. Simply input your age, driving history, credit score and desired coverage level, along with a few other details, to receive an expedited rate estimate.

MoneyGeek's distinct scoring systems for each category have determined the best insurance providers in Anaheim for various needs:

• Best overall: Capital Insurance Group (MoneyGeek score 81 out of 100)
• Best for service: Chubb (MoneyGeek score 94 out of 100)
• Best cheap: Mercury (MoneyGeek score 78 out of 100)

Capital Insurance Group excels in delivering a strong combination of service and affordability, making it the best overall option. For exceptional customer service, Chubb ranks highest. Mercury offers a very affordable choice without greatly compromising on service experience, ideal for budget-conscious consumers seeking value.

MoneyGeek found that Capital Insurance Group offers the best option in Anaheim for drivers seeking top-notch car insurance. With a streamlined process to secure a policy that provides exceptional value and satisfaction, Capital Insurance Group stands out with a remarkable MoneyGeek score.

• Capital Insurance Group: MoneyGeek score of 81 out of 100 ($1,434 per year)

• Chubb: MoneyGeek score of 77 out of 100 ($2,023 per year)

MoneyGeek found that Chubb is the best option in Anaheim for car insurance based on customer service, without considering rates. This recognition highlights excellence based on general satisfaction, stellar claims handling, and comprehensive coverages offered by the provider.

• Chubb: MoneyGeek score of 94 out of 100 ($2023 per year)
• Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1434 per year)

Chubb stands out in the Anaheim market primarily for its top-tier claims service and exceptional coverage options that contribute significantly to its high MoneyGeek score. Their commitment to customer satisfaction and financial stability also plays a vital role in establishing them as the leading car insurance provider for service quality in the region.

MoneyGeek found that Mercury is the best option in Anaheim for consumers seeking quality yet affordable car insurance. Earning a noteworthy MoneyGeek score that balances cost efficiency with customer satisfaction, Mercury emerges as a top choice for drivers prioritizing value.

• Mercury: MoneyGeek score of 78 out of 100 ($518 per year)
• Progressive: MoneyGeek score of 76 out of 100 ($460 per year)

Mercury distinguishes itself with a compelling combination of a strong customer satisfaction rating and competitive annual premiums for minimum coverage policies.

In Anaheim, the average cost of car insurance stands at $1,521, which reflects a market slightly more expensive compared to California's average of $1,457. This state average is significantly less than the national average car insurance cost of $1,720, demonstrating a $263 difference in favor of California residents.

Car insurance premiums are influenced by various factors, including driving history, vehicle type, credit score and age, but location plays a key role. Insurance providers consider location important due to the variation in accident rates, theft incidents, and other region-specific risks. For instance, Glendale, California, is reported to have the most expensive premium at $2,260. Conversely, Santa Maria is listed as having the cheapest premium at $1,168. In less populated, non-city areas, where traffic density is lower, car insurance rates may even be more favorable than these examples.