Cheapest Auto Insurance in Anaheim, California (2025)
USAA offers the cheapest car insurance in Anaheim, with minimum-coverage policies as low as $85 per month.
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Drivers in Anaheim pay an average of $156 per month for car insurance. The city’s rates are slightly lower than California’s average of $146 and well below the national average of $138 per month.
Anaheim has a smaller population than other major California cities, including Los Angeles and San Diego.[?] But it’s home to Disneyland, which saw an estimated 16.8 million visitors in 2022.[?] The presence of tourists increases accident risks, which may contribute to Anaheim’s slightly higher rates.
Rates vary between insurers, though, so it’s important to compare car insurance quotes from multiple companies to find the best rate.
Quick Facts
USAA, National General, and Sun Coast 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 another 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 | 7.5 | $194 | $101 | Driers with a DUI |
| Travelers | 8.5 | $301 | $131 | Drivers with an at-fault accident |
| Mile Auto | 8.8 | $108 | $63 | Teen drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 55,000 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
Best insurer for drivers with an at-fault accident: Travelers
Best insurer for teen drivers: Mile Auto
Find Cheap Car Insurance in Anaheim, California
Rates start at $85 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 some 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, such as good student and defensive driver discounts.
Bundle your home and auto insurance policies. Bundling your car insurance with homeowners, renters, or even life insurance could land you a discount on 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: USAA
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, though. 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 USAA, with an average cost of $85 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: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $85 |
| National General | $95 |
| Sun Coast | $99 |
| Dairyland | $101 |
| Root | $108 |
| Mercury | $110 |
| Allstate | $118 |
| Farmers | $122 |
| Direct Auto | $123 |
| GEICO | $123 |
| Anchor | $124 |
| Bristol West | $130 |
| State Farm | $132 |
| Travelers | $138 |
| 21st Century | $151 |
| Nationwide | $186 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA
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 USAA, with an average cost of $196 per month. The table provides details on some affordable insurers and their average monthly quotes.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $196 |
| Root | $198 |
| Anchor | $200 |
| Mercury | $209 |
| GEICO | $218 |
| Sun Coast | $250 |
| Allstate | $271 |
| National General | $273 |
| Farmers | $278 |
| State Farm | $301 |
| Bristol West | $305 |
| Travelers | $316 |
| Direct Auto | $328 |
| 21st Century | $345 |
| Dairyland | $353 |
| Nationwide | $425 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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. State lawmakers approved an increase in coverage limits, which takes effect on Jan. 1, 2025. The table below reflects this change and the types and amount of coverage all Anaheim drivers need to carry:[?]
Coverage | 2024 Coverage Limits | 2025 Coverage Limits |
|---|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident | $30,000 per person / $60,000 per accident |
| Property damage liability | $5,000 per accident | $15,000 per accident |
Drivers should also consider purchasing other types of coverage for more thorough protection, including:
California’s Low Cost Auto Insurance Program
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, though. 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.
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Cheapest car insurance for drivers with a speeding ticket: USAA
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 USAA, with an average cost of $107 per month. The table below also shows more affordable options.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $85 | $107 |
| National General | $95 | $117 |
| Sun Coast | $99 | $121 |
| Dairyland | $101 | $124 |
| Root | $108 | $141 |
| Allstate | $118 | $149 |
| Anchor | $124 | $151 |
| Mercury | $110 | $152 |
| Farmers | $122 | $152 |
| Direct Auto | $123 | $153 |
| GEICO | $123 | $158 |
| Bristol West | $130 | $160 |
| State Farm | $132 | $163 |
| Travelers | $138 | $175 |
| 21st Century | $151 | $194 |
| Nationwide | $186 | $235 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA
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 USAA, with an average cost of $106 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: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $85 | $106 |
| Sun Coast | $99 | $117 |
| National General | $95 | $119 |
| Dairyland | $101 | $126 |
| Root | $108 | $133 |
| Allstate | $118 | $147 |
| GEICO | $123 | $148 |
| Farmers | $122 | $152 |
| Anchor | $124 | $154 |
| Mercury | $110 | $155 |
| Direct Auto | $123 | $159 |
| Bristol West | $130 | $161 |
| State Farm | $132 | $163 |
| Travelers | $138 | $173 |
| 21st Century | $151 | $191 |
| Nationwide | $186 | $233 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA
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.[?]
The cheapest insurer for drivers with a DUI in Anaheim is USAA, with an average cost of $115 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: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $85 | $115 |
| Sun Coast | $99 | $123 |
| National General | $95 | $129 |
| Dairyland | $101 | $137 |
| Root | $108 | $145 |
| Mercury | $110 | $156 |
| Allstate | $118 | $160 |
| GEICO | $123 | $163 |
| Farmers | $122 | $166 |
| Direct Auto | $123 | $167 |
| Anchor | $124 | $172 |
| Bristol West | $130 | $176 |
| State Farm | $132 | $179 |
| Travelers | $138 | $187 |
| 21st Century | $151 | $205 |
| Nationwide | $186 | $252 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA
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 USAA, with an average cost of $71 per month. Check out the table below to also see more affordable options.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $71 | $163 |
| National General | $76 | $219 |
| Dairyland | $85 | $297 |
| Sun Coast | $88 | $223 |
| Mercury | $91 | $173 |
| Root | $92 | $169 |
| Allstate | $98 | $226 |
| Farmers | $99 | $225 |
| GEICO | $100 | $177 |
| Direct Auto | $101 | $269 |
| Anchor | $104 | $168 |
| State Farm | $106 | $242 |
| Bristol West | $110 | $257 |
| Travelers | $112 | $258 |
| 21st Century | $121 | $277 |
| Nationwide | $146 | $333 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA
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 USAA, with an average cost of $159 per month. You can also find affordable options in the table below.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $159 | $367 |
| Dairyland | $170 | $595 |
| Sun Coast | $185 | $468 |
| Root | $191 | $350 |
| National General | $195 | $561 |
| Mercury | $208 | $395 |
| Anchor | $219 | $353 |
| GEICO | $226 | $400 |
| Bristol West | $236 | $553 |
| Allstate | $236 | $542 |
| Farmers | $242 | $552 |
| Direct Auto | $244 | $652 |
| State Farm | $258 | $588 |
| 21st Century | $278 | $635 |
| Travelers | $286 | $655 |
| Nationwide | $368 | $840 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $156 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 | $82 | $186 |
| Berkeley | $100 | $237 |
| Fresno | $84 | $182 |
| Glendale | $185 | $383 |
| Los Angeles | $158 | $311 |
| Oakland | $102 | $242 |
| Sacramento | $104 | $215 |
| San Diego | $84 | $179 |
| San Francisco | $107 | $258 |
| San Jose | $89 | $197 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $208 per month for full coverage and $105 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?
USAA offers the cheapest car insurance rates in Anaheim, starting at $85 for liability-only coverage. Anaheim drivers can also find cheap rates from National General and Sun Coast, which have liability rates as low as $95 and $99, 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 $30,000 per person and $60,000 per accident in bodily injury liability coverage, as well as $15,000 per accident in property damage liability coverage.
Is California a no-fault state?
No. California isn't 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.
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