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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Anaheim drivers pay an average of $185 per month for car insurance, making it higher than the California statewide average, according to our data. Factors like the state’s new minimum coverage requirements and an increase in auto thefts contribute to higher rates in the city.[1]
But many car insurance companies offer significantly cheaper premiums. For example, USAA, Root, and Sun Coast have the cheapest average monthly rates, based on our research.
This guide explores the cheapest auto insurers for different driver profiles, how to choose the right coverage from the best insurance company, and strategies to lower your car insurance costs in Anaheim.
Anaheim residents pay an average of $118 per month for liability insurance and $253 per month for full coverage.
California’s minimum insurance requirements include $30,000 per person and $60,000 per accident in bodily injury liability, plus $15,000 in property damage liability.
To lower your insurance costs, compare rates regularly, maintain a clean driving record, and look for discounts like multi-policy bundling or usage-based insurance.
Regardless of average rates, you can always find ways to save money on your auto insurance — starting with the cheapest companies in the area.
In the table below, we’ve compiled the cheapest insurance companies in Anaheim and the average monthly premiums for each, according to our data.
Company  | Average Monthly Premium |
|---|---|
| USAA | $106 |
| Root | $109 |
| Sun Coast | $110 |
| Anchor | $115 |
| Mercury | $115 |
| Dairyland | $119 |
| Direct Auto | $120 |
| National General | $127 |
| GEICO | $142 |
| Allstate | $147 |
| Farmers | $151 |
| State Farm | $164 |
| Travelers | $171 |
| Bristol West | $174 |
| 21st Century | $187 |
USAA offers the cheapest auto insurance premiums in Anaheim, at $106 per month. But many factors influence car insurance rates, and some insurance companies offer cheaper rates than others depending on those factors.
Let’s review that next.
Compare personalized quotes from Anaheim’s top insurers.
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While comparing the cheapest companies overall is a good way to save money, it doesn’t account for the many factors that can influence your car insurance premiums. Things like your coverage levels, age, ZIP code, and driving history will play a role in how much you pay.
The table below shows the cheapest car insurance company and its average monthly premium for common driving profiles and coverage options, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | USAA | $106 |
| Full coverage | Mercury | $198 |
| Teens | Root | $179 |
| Seniors | USAA | $82 |
| Drivers with a speeding ticket | USAA | $133 |
| Drivers with an at-fault accident | USAA | $135 |
| Drivers with a DUI | Root | $155 |
We’ve provided further breakdowns of rates for each profile in the sections below to help you find the cheapest companies for drivers like you.
The average rate for state-minimum coverage in Anaheim is $118 per month, according to our data. But most experts recommend buying more than the state minimum because it can leave you underinsured if you get into a car accident.
Here are the cheapest companies for state-minimum coverage in Anaheim, according to Compare.com data.
Full-coverage insurance includes state-minimum insurance, plus collision coverage and comprehensive insurance. These additional coverages protect your car from damage from at-fault accidents and non-collision events like severe weather, vandalism, and theft. Lenders usually require you to have a full-coverage policy when you have a lease or car loan, too.
The average cost for full coverage in Anaheim is $253 per month, but several companies offer cheaper-than-average rates.
The chart below highlights the five cheapest companies for full coverage in Anaheim, according to our data.
Teen drivers typically pay the highest rates compared to other age groups because they have higher car accident rates. Their crash rate is three times as high as the rate for drivers ages 20 and older, according to the Insurance Institute for Highway Safety (IIHS).[2]
On average, Anaheim teens pay $357 per month for car insurance. But there are notably cheaper insurers to turn to.
The chart below shows the five cheapest car insurance companies for teens in Anaheim, according to Compare.com data.
Senior drivers are usually the cheapest age group to insure because they have and tend to drive less.[3] Older drivers pay an average monthly rate of $144, but this group can still find even cheaper rates with some insurers.
The chart below shows the five cheapest companies for senior drivers in Anaheim, according to Compare.com data.
Getting just one speeding ticket can still cause a significant rate hike in your car insurance premiums. In fact, it increases average rates by 25% in California, according to our data.
The average premium for drivers with a recent ticket in Anaheim is $240 per month, but that doesn’t mean you can’t find a better deal.
The chart below highlights the five cheapest auto insurance companies for drivers with a speeding ticket in Anaheim, according to data from Compare.com.
After an at-fault accident, average rates increase by 27% in California, according to our research. Though the average Anaheim driver pays $237 per month after an accident, you can still find a good deal.
The companies below offer the cheapest average rates for drivers with one at-fault accident in Anaheim, according to Compare.com data.
A DUI conviction typically causes one of the biggest increases in car insurance premiums compared to any other incident — our research shows an average rate increase of 61% in California. Drivers in Anaheim with a DUI conviction pay an average rate of $274 per month for car insurance.
The chart below highlights the five cheapest car insurance companies in Anaheim for drivers with DUIs, according to Compare.com data.
Compare quotes side by side and lock in cheaper rates.
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Like most states, California requires all drivers to have at least minimum car insurance coverage. As of Jan. 1, 2025, California law mandates 30/60/15 minimum coverage limits.[4] Here’s what that means:
$30,000 for bodily injury liability per person
$60,000 for bodily injury liability per accident
$15,000 for property damage liability per accident
Keep in mind that California’s updated minimums are higher than its previous 15/30/5 limits.
While California doesn’t require you to purchase uninsured/underinsured motorist (UM/UIM) coverage, insurers must offer it.[5] If you don’t want UM/UIM insurance, you’ll need to sign a waiver to decline it.
Most experts recommend purchasing more coverage than your state requires. The California Department of Insurance highlights that higher coverage limits can provide better financial protection if you get in a serious accident.
Additionally, if you finance or lease your vehicle, lenders typically require comprehensive insurance and collision coverage.
Consider this: If you cause an accident resulting in $25,000 in property damage but have only the $15,000 state-minimum coverage, you’d be personally responsible for the remaining $10,000.
Getting the best car insurance policy can be tricky wherever you live. To help speed up your process, we answered common questions Anaheim drivers ask about auto insurance.
The cheapest insurance company in Anaheim is USAA, which offers an average rate of $106 per month, according to our data. But keep in mind that your actual rate could be higher or lower depending on factors like your age, ZIP code, driving history, vehicle, and more.
The average monthly cost of car insurance in Anaheim is $185, according to our data. The average cost for a liability-only policy is $118 per month, while full-coverage insurance policies cost around $253.
USAA generally offers the cheapest car insurance in California, at an average rate of $88 per month, according to our research.
It can be. It depends on your city, age, driving record, and the type of coverage you need. For context, the average California driver pays $102 per month for liability coverage, but that average jumps significantly for full coverage, with drivers paying $230 per month, according to our data. That’s why it’s crucial to compare auto insurance rates from several companies to get the best deal for your budget.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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