Anaheim, CA Car Insurance
How much does car insurance cost in Anaheim?
Drivers in Anaheim can expect to pay an average of $1,012 for a six-month policy or $169 per month. According to our data in 2023, Wawanesa is the cheapest car insurance company in Anaheim with rates at $563 for a six-month policy. This breaks down to only $94Â per month. The California state average for car insurance is about $966 every six months, so Anaheim comes in slightly higher than that amount. The city's rates are also quite a bit higher than the national average of $742.
Anaheim's rates are less than those of other cities in California, but it can still feel pricey. 35% of our customers in Anaheim said that they used our product because they're paying too much for their car insurance. If you are one of these folks, or if you simply want to learn more about the cost of car insurance in Anaheim, keep reading to find out about the factors that go into rates and ways you may be able to save on your premium.
| Car Insurance in Anaheim vs. California | Avg. 6 Mo. Premium |
|---|---|
| Anaheim Average | $1,012 |
| California Average | $966 |
The cheapest car insurance companies in Anaheim
Regional carrier Wawanesa is the cheapest company for auto coverage in Anaheim, with auto insurance rates at $94 per month or $563 for a six-month policy.
In second place is GEICO, which costs $130 per month, or $779 for a six-month policy.
Rounding out the list is USAA as the third-cheapest insurance company. On average, a policy with USAA in Anaheim costs $815 per six-month policy ($136 per month). Keep in mind that USAA car insurance is only available to USAA members.Â
The Zebra's key takeaways about car insurance in Anaheim:
- The average cost of a car insurance policy in Anaheim is $1,012 per six-month policy — $169 per month.
- The cheapest company in Anaheim is Wawanesa ($563).
- 35% of Zebra customers in Anaheim stated they used our product because they were paying too much for car insurance.
Are you paying too much for auto insurance?
Anaheim car insurance rates by company
The most affordable company for full coverage auto insurance in Anaheim is Wawanesa, according to our 2023 data. A six-month policy runs about $563, which is $94 per month. GEICO is the second cheapest, at $130 per month ($779 for a six-month policy).
Learn more about top-rated car insurance companies based on The Zebra's Customer Satisfaction Survey.
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Cheapest car insurance companies in Anaheim, CA
| Company | Avg. 6 Mo. Premium |
|---|---|
| Wawanesa | $563 |
| GEICO | $779 |
| USAA | $815 |
| Mercury | $854 |
| Progressive | $959 |
| Nationwide | $1,099 |
| Allstate | $1,113 |
| State Farm | $1,204 |
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Shop around for the best rates
If you're looking for an effortless way to save money on your auto insurance, then comparing different companies and rates is the answer. The Zebra offers a simple solution to get started with. Just input your ZIP code and you can begin comparing rates from leading insurance companies such as GEICO, Progressive, Allstate, and many other top-rated options. Whether you're in Anaheim or elsewhere, you can find the most suitable cheap auto insurance that aligns with your coverage needs.
Average car insurance in Anaheim by rating factor
There are certain elements that influence the cost of car insurance, some of which are within your control, and others that are not. Rating factors pertain to specific characteristics that relate to your profile, such as age, claims history, and credit score. Although companies generally use the same factors, they may apply varying weights to them. While one insurer may emphasize your credit score, another might put greater emphasis on your claims history. One thing that makes California unique is that credit score isn't actually a rating factor in this state.
It's essential to bear in mind that the right coverage and insurance company can evolve over time. As you gain more driving experience and get older, your profile changes. It's crucial to obtain new quotes on your auto insurance periodically to ensure that you're still receiving the best rates possible.
Q: I didn't have an accident — Why is my insurance going up?
A:Â End-of-year earnings have a direct impact on car insurance rates in Anaheim. This refers to the balance between the revenue earned from premiums and the cost of paying out insureds' claims. Even if you have a clean driving record with no prior claims, insurers may raise their rates in response to the increasing cost of doing business in certain areas.
Auto insurance premiums by age in Anaheim
Car insurance premiums are calculated based on a range of factors, but one of the most crucial ones is age. Insurance companies have data to help them determine which age groups are most likely to make claims. Teen drivers, for instance, have the highest number of accidents, leading to the highest insurance premiums. In Anaheim, there's a $2,680 gap between the rates paid by teenage drivers and those in their 20s each year. This is the most significant price difference between any two age groups for a new car insurance policy.
Although it might be surprising to see the cost of insuring a young driver, it's essential to remember that insurance companies need to offset the cost of paying claims. Thus, they charge the riskiest drivers higher rates to continue their business as accidents occur.
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Cheapest car insurance companies for teen drivers in Anaheim, CA
| Company | Avg. 6 Mo. Premium |
|---|---|
| Wawanesa | $945 |
| USAA | $1,802 |
| GEICO | $1,844 |
| Mercury | $2,081 |
| State Farm | $2,133 |
| Progressive | $2,393 |
| Allstate | $2,480 |
| Nationwide | $3,521 |
Zebra Tip:Â The cheapest companies for Anaheim drivers between 20-40 are Wawanesa, GEICO and USAA.
According to statistical data, the age group of 20-40 dominates the driving population in Anaheim. It has been observed that this group pays around $1,155 every six months. Opting for one of these insurance companies can help them save up to 34%.
Auto insurance premiums for minimum coverage in Anaheim
One detail of your auto insurance has a huge impact on what you pay — the level of coverage you choose. The options can seem overwhelming when you are shopping for a new policy, but it's important to consider your choices and specific needs. Many drivers in Anaheim have the state minimum coverage. This technically meets California's requirement, but carrying the bare minimum does present more risk if you're involved in an accident.
By carrying collision coverage or comprehensive coverage (usually known as "full coverage" when you have both) your rates can go up significantly. But, depending on the deductible you choose, you can have a bit more choice on how much. The higher the deductible, the cheaper your rates will be. If you prefer to have a smaller deductible, then you'll pay a higher premium.
Roadside assistance and uninsured motorist coverage are two additional factors that can influence your insurance premiums. Uninsured motorist coverage provides protection against motorists who lack auto insurance or do not have enough coverage. Although these supplements will raise your premiums, it's worthwhile to consider them as The Zebra recommends carrying them to be prepared for unexpected situations that may require additional assistance for you and your car.
Q: Can I lower my car insurance coverage?
A: Possibly — if your vehicle is paid off.
If you are leasing or financing your car, you may be compelled to have a specific level of coverage. But if you own your vehicle free and clear, you've got more options. It's worth considering whether you should drop comprehensive or collision coverage. We suggest consulting a source like Kelley Blue Book to ascertain the actual cash value of your car. If your car is valued at less than $4,000, you can get by without collision coverage. Be mindful that if you drop collision coverage, you risk being responsible for the cost of repairs should an accident occur.
Cheapest car insurance companies for minimum coverage in Anaheim, CA
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $223 |
| USAA | $240 |
| Wawanesa | $255 |
| Progressive | $277 |
| Mercury | $299 |
| 21st Century | $358 |
| Nationwide | $359 |
| State Farm | $416 |
- Minimum: State liability coverage only
- Basic: State liability + collision and comprehensive (full) coverage
- Better: Better liability limits at 50/100/50. Full coverage included with towing and rental car benefits. May include additional personal medical benefits and uninsured/underinsured motorist coverage.
- Best: Best liability limits at 100/300/50. Full coverage included with better towing and rental car benefits and better personal medical benefits and increased uninsured/underinsured coverage.
44% of our customers in Anaheim opt for the basic level of coverage, but this may not be the best option for everyone. While we understand state minimum coverage is a budget-friendly solution, it does leave you at risk for damages that exceed your liability limits. California's 15/30/5 liability limits provide coverage for damage you cause up to $15,000 per person in bodily injury, $30,000 per accident in bodily injury and $5,000 for property damage. This will rarely be sufficient even for most standard car accidents, meaning you may be on the line for further damages.
Learn more about insurance laws in California.
Anaheim car insurance rates by credit score
In most states, your individual credit score is a consideration when auto insurance companies determine the rate you'll pay for coverage. However, California is one of the few places where this is not used to determine your cost.
Insurers generally use credit scores to evaluate the risk of loss, and drivers who are considered riskier will pay higher rates. A poor credit score correlates with more claims filed, lapses in coverage, and more risky driving behaviors — which increases risk, and therefore rates.
But California (and several other states including Hawaii and Michigan) has chosen to ban credit score as a factor when it comes to the cost of car insurance, which keeps your rates lower regardless of your credit history.
Auto insurance rates with an at-fault accident
At-fault and collision-type accidents are the most common type of insurance claims. In 2023, an at-fault accident raised the average car insurance rates in Anaheim by about $124 per month — 73% more than the going rate for accident-free drivers. The cheapest insurance company in Anaheim after an at-fault accident is Wawanesa.
No matter where you live, keeping a clean driving record by avoiding accidents and citations is the best way to keep your auto insurance rates affordable. Speeding citations, reckless driving charges, DUIs and DWIs and at-fault accidents all result in rate increases. Depending on the type of citation or ticket, your premium will be impacted for several years. Typically, at-fault accidents and speeding tickets will be on your record for three to five years whereas DUIs or DWIs can follow you for longer.
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Cheapest car insurance companies after an at-fault accident in Anaheim, CA
| Company | Avg. 6 Mo. Premium |
|---|---|
| Wawanesa | $849 |
| USAA | $1,159 |
| GEICO | $1,414 |
| Mercury | $1,481 |
| Nationwide | $1,605 |
| Progressive | $1,904 |
| State Farm | $1,908 |
| Allstate | $2,413 |
Anaheim car insurance rates by violation
Below you can see how much different violations and claims will increase your rate in Anaheim.
Car insurance rate increases after violations and citations in Anaheim, CA
Why is car insurance in Anaheim so expensive?
Auto insurance in Anaheim, and Orange County in general, is expensive for a variety of reasons. One reason is that the cost of living in Anaheim is high, which means that car insurance companies have to charge more to cover their costs. But there's more to it than that — on top of your coverage level, credit history and driving record, there are other factors that impact your rates.
Below you'll find a rundown of why car insurance is so expensive in Anaheim, regardless of your driving profile.
The amount you pay for auto insurance is heavily influenced by the area you reside in, specifically in Anaheim. Alongside your credit score and driving history, the location of your home is one of the primary factors that impacts your insurance premiums.
This is because certain ZIP codes are more susceptible to crime and theft, as well as uninsured drivers. Certain regions of the city are more vulnerable to criminal activity, making them riskier for insurance providers. Thus, if you live and drive in a high-crime neighborhood, you'll probably pay more for car insurance than someone who resides in a safer area.
Expensive Anaheim ZIP codes:Â 77076, 77036, 77072, 77078, 77099
Cheap Anaheim ZIP codes:Â 77345, 77062, 77339, 77094, 77059
Despite your excellent driving history and your ability to safely operate a vehicle, the reality is that insurance premiums are sometimes out of our reach. Our statistics show that roughly 26% of drivers in Anaheim are currently without insurance coverage, which is substantial but not the highest in California. Nonetheless, if you find yourself in a collision with an uninsured driver, you may be liable for the costs.
Aside from the drivers who are uninsured, the sheer number of drivers in and around Orange County adds a sizeable risk. Large numbers of vehicles on the roads generally equate to a higher amount of accidents. This is in part due to the high population but also takes into account the number of tourists and other out-of-towners that visit California regularly, which means crowded streets, distracted drivers, and a generally high likelihood of traffic incidents.
In 2021, more than 2.2 million acres were burned due to wildfires in California, ranking it as the state with the most wildfires in total that year.[1] The Orange County area may boast an amazing climate most of the time, but natural disasters and weather risks can strike with a vengeance occasionally, leaving a path of destruction (including cars and homes) in its wake. Flooding can also be a concern in most places if the conditions are right. Although California typically exists in drought conditions, 2022 and 2023 have shown that rainstorms and flooding in the state can be real threats. Consider carrying comprehensive coverage, even if your vehicle is paid off, to help out in the event of weather damage to your vehicle.Â
Zebra Tip: Consider UMPD and comprehensive coverage to safeguard from uninsured drivers and weather risks
In Anaheim, around a quarter of drivers are uninsured, which implies that motorists driving in the city have a possibility of experiencing a traffic accident that may not be paid for by insurance. To deal with such situations, uninsured motorist coverage (also referred to as UMPD) can be an option. UMPD offers assistance when an uninsured or underinsured driver causes damage to your vehicle or yourself. One of the advantages of UMPD is its lower cost compared to collision insurance, along with lower deductibles and reduced rate hikes post-claim.
As noted above, Orange County can experience severe weather from time to time, so if you're concerned about wildfires, earthquakes, flooding or other severe weather situations then comprehensive coverage may be a great option for you.Â
Bundling insurance policies in Anaheim
Despite the fact that car insurance rates are on the rise, there are still ways to reduce costs. One such method is to take advantage of the savings potential that comes with combining home and auto insurance policies. It is not uncommon for people to benefit from discounts of up to 10%, which makes this an appealing option for anyone who wants to save money while still maintaining sufficient coverage.
In case your home and auto insurance policies are not yet bundled, take a few minutes to inquire about the possibility. If you're looking for a new insurance provider, consider bundling to make your coverage more budget-friendly.
Cheapest car insurance companies for bundling home and auto insurance in Anaheim, CA
| Company | Avg. 6 Mo. Premium |
|---|---|
| Wawanesa | $563 |
| Mercury | $734 |
| USAA | $737 |
| GEICO | $779 |
| Progressive | $822 |
| Nationwide | $829 |
| State Farm | $951 |
| Allstate | $1,092 |
Determining insurance rates involves considering several factors. Although many of these are beyond your control, there are still things you can do to keep your car insurance rates reasonable. We suggest taking the time to shop around for auto insurance quotes. This will allow you to compare and contrast different options and find the most affordable rates.
By familiarizing yourself with a range of car insurance providers, you can select the right coverage that fits your needs and budget. Regularly obtaining quotes is an excellent idea, particularly when personal circumstances change, such as reaching certain age milestones or improving your credit. Making the switch to a new insurance provider may seem uncomfortable, but if your current provider is more expensive, there is no reason not to make a change.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.