Best cheap car insurance in Anaheim for 2021

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Car insurance rates in California are higher than the annual national average of $1,674. Bankrate’s 2021 car insurance rates study found that premiums in the state are $2,065 per year for full coverage. In comparison, the average annual cost of car insurance in Anaheim is $806 for minimum liability coverage and $2,136 for full coverage.

Anaheim is home to many tourist destinations such as Legoland, Disneyland and Knott’s Berry Farm. The combination of local traffic and visitors in rental vehicles may be one of the reasons the local police report over 5,000 traffic collisions per year, with nearly half involving an injury. Having the best car insurance in Anaheim is essential to financially protect you in case of an accident. However, rates can be high. Finding the cheapest car insurance in Anaheim can save you significantly on coverage. The following insurance companies in Anaheim were selected for low rates, high customer ratings and range of coverage options.

Best car insurance companies in Anaheim

The following carriers are our picks for best car insurance companies in Anaheim. Rates included are annual averages for the state-mandated minimum level of insurance and full coverage, which includes comprehensive and collision insurance for your vehicle. J.D. Power’s annual customer satisfaction study is an objective source for policyholder reviews on how the companies perform when it comes to claims and customer service.

Insurance Company J.D. Power Score Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Grange NR $549 $2,061
Geico 828 / 1,000 $615 $1,753
AAA 848 / 1,000 $623 $2,029
Wawanesa 853 / 1,000 $674 $1,598
Mercury NR $682 $1,744

Grange

Ohio-based Grange Insurance is one of the smaller carriers in the state and does not rank in the J.D. Power customer satisfaction study. However, the insurance provider’s focus on serving only 13 states means policyholders could potentially receive more personalized service. Grange has the cheapest car insurance premiums in Anaheim thanks to uncommon discounts such as New Beginning for recently divorced or separated drivers and OnTrack that reduces premiums based on driving habits.

Learn more: Grange Insurance review

Geico

Geico consistently ranks as one of the cheapest carriers in cities nationwide. You will find low premiums in Anaheim that average $615 per year for minimum insurance and $1,753 for full coverage, as well as high customer satisfaction ratings. Not many carriers can boast cheap rates without sacrificing service. Geico earned a J.D. Power score of 828 out of 1,000, ranking it one of the top carriers in Anaheim.

Learn more: Geico Insurance review

AAA

You are probably familiar with AAA’s award-winning roadside service. Besides towing and travel services, you can also get low-cost car insurance through AAA. If you are on a strict budget, the annual membership fee of $56 to $119 per year may affect any savings you earn for insuring your vehicle with the carrier. However, the extra expense may be worth it — you would receive plenty of extra perks and discounts, especially at the Anaheim-area theme parks, that insurance companies do not typically offer their policyholders.

Learn more: AAA Insurance Review

Wawanesa

Canadian-based Wawanesa Insurance is one of the more popular insurance companies in California for its combination of high customer ratings and low rates. The company also ranks in first place for highest customer satisfaction rating, according to J.D. Power. Anaheim drivers that are required by their lender or leasing company to carry full car insurance would appreciate that Wawanesa’s full coverage is the cheapest of all the providers in the study.

Learn more: Wawanesa Insurance Review

Mercury

Mercury Insurance is based in Southern California and is locally well-known. Best known for cheap coverage for high-risk or hard-to-insure drivers, most residents of Anaheim (including safe drivers with a spotless record) can buy coverage with Mercury. The company does not provide as many options and add-ons as other carriers do, but offers competitively low rates worth considering when a strict budget is a priority.

Learn more: Mercury Insurance Review

Cheapest car insurance in Anaheim

The average annual cost of car insurance in California is $733 for basic coverage and $2,065 for full coverage car insurance. However, Anaheim drivers can beat the average by choosing the right carrier. We looked at the largest insurance companies (based on market share) and how their rates compare. However, individual results may vary based on your driving record, claims history, vehicle type, age and ZIP code, to name a few factors.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $615 $1,753
AAA $623 $2,029
Mercury $682 $1,744
Progressive $700 $1,863
Travelers $753 $1,828

Geico and Mercury are best-known for offering cheap car insurance. Mercury is best for high-risk drivers while Geico’s lowest rates are reserved for safe drivers. Progressive Insurance has tools available to quickly compare premiums between carriers, as well as the Name Your Price tool, which allows you to set an amount you are comfortable paying to see what type of coverage your budget covers. AAA’s rates are the cheapest for members of the roadside assistance club. Travelers Insurance has the most car insurance options, with coverages such as gap, rideshare and “named non-owner” insurance.

Anaheim insurance requirements

Anaheim’s minimums match the State of California’s requirements for liability insurance:

  • $15,000 in bodily injury per person and $30,000 in bodily injury per accident
  • $5,000 for property damage

While minimum coverage is the cheapest in California, you may not be fully covered. If you are at fault in an accident, minimum insurance only pays for damages and injuries to others. In addition, the state’s required amounts may not be enough to pay for a serious accident, leaving you to pay the remainder out of pocket. Consider increasing the monetary limits and adding options such as comprehensive, collision, medical payments and uninsured motorist coverage for more protection.

Car insurance discounts in Anaheim

  • Multi-car: Many households in Anaheim have more than one car in the garage. Insuring more than one vehicle with the same carrier could save you on coverage.
  • Driver tracking: Some carriers offer a downloadable app that tracks your driving habits, potentially extending premium discounts based on the results.
  • Safe driver: Avoiding tickets or attending traffic school to have the points removed may save you on premiums in the long run.
  • Defensive driving course: Passing an online driver safety course can be done over a weekend and save you money on your car insurance.

Anaheim drivers with a clean record could see the biggest savings by taking advantage of multi-car and safe driver discounts. Those with an accident or ticket in their past could benefit from a defensive driving course or signing up for driver tracking to save.

Frequently asked questions

What is the best car insurance company?

The best car insurance companies in Anaheim, based on rates and customer ratings, are Grange, Geico, Wawanesa, AAA and Mercury. To find the carrier that is best for you, collect quotes from several Anaheim-area insurance companies to compare.

How much does car insurance in Anaheim cost?

The average annual car insurance Anaheim premium is $806 per year for minimum coverage and $2,136 for full insurance. However, you may find lower rates based on your age, driving record and the carrier you choose.

How much car insurance do I need in Anaheim?

Anaheim residents must have at least $15,000 in bodily injury/death per person, $30,000 in death and/or bodily injury per accident and $5,000 for property damage.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a finance and business journalist who has been featured in Bankrate, Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and TheSimpleDollar.com. She regularly travels to Africa and the Middle East to consult with women’s NGOs about small business development and works with select startups and women-owned businesses to provide growth and visibility.
Edited by
Insurance Editor