Best Auto Insurance Rates in Anaheim, California

On average your neighbors pay $70 a month.

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Anaheim, California is the home of Disneyland Resort, the Ducks, and the Angels. These, plus the Anaheim Convention Center and the Grove, brings in many tourists. As Anaheim residents know, tourists can cause traffic, which means more commute time. At least with QuoteWizard’s help, you don’t have to overpay for car insurance.

Average Anaheim Car Insurance Rates

How much is car insurance in Anaheim, CA? A higher than average frequency of accidents (and insurance claims), poorly maintained roads, and high crime means average insurance rates in Anaheim are higher than both the state and national averages. The average cost of auto insurance in California is $841.45 a year. The national average price is $889.01.

Prices may vary depending on your zip code and the total number of claims filed.

California Average Annual Car Insurance Rates
Coverage Rates
Liability $489.66
Collision $396.55
Comprehensive $100.54
Total Cost Per Year $841.45
Price Per Month $70.12
Source: Facts + Statistics: Auto insurance

The graph below shows the most recent year California's rate data is available. According to the III, California car insurance rates increased from $740 in 2011 to $841 in 2015, a jump of $101, or 13.66 percent.

California average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Anaheim, California and save up to 40% on your premium.

Last year, 5,488 people used QuoteWizard to compare car insurance quotes in Anaheim, CA from different companies to find the lowest rates.

Best Car Insurance Companies in Anaheim, CA

This is our list of the most common car insurance companies reported by QuoteWizard users living in Anaheim, CA last year.

Other popular Anaheim, California car insurance companies: Liberty Mutual, 21st Century, MetLife, USAA, Safeco, American Family, Allied Group, Country Financial, Hartford, and Century National.

Minimum Car Insurance Requirements in Anaheim, CA

Anaheim, California drivers must follow the 15/30/5 minimum liability coverage rule. This rule requires Anaheim drivers to maintain policies that include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The total your insurance company will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The most your insurer will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The maximum your insurance carrier will pay for property damage caused by a car accident.

Anaheim Drivers

According to a recent report published by Allstate Insurance when it comes to safe driving, Anaheim, CA ranked 188th out of 200 cities. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 6.3 years, much higher than the national average.

Driving Conditions

Several factors that can affect insurance rates are weather, driving, and road conditions.


Anaheim has what's called a Mediterranean climate, which means residents enjoy long, hot summers and warm winter with very little rainfall with more than half the city's 14.26 inches of precipitation occurring between December and February.

Road Conditions

According to a recent study by TRIP, 60% of the major roads in Anaheim are in poor condition with 26% rated as mediocre. These poorly maintained, pothole-filled streets are cost drivers $892 a year in extra vehicle operating costs.

Moving Violations

Moving violations such as speeding tickets, red light infractions, failure to stop, and drunk driving will eventually raise your insurance rates. Drivers with lots of tickets can be moved from the preferred to the "non-standard" category. These high-risk drivers pay the most for coverage.

Traffic Tickets

The Superior Court of California County of Orange traffic division website allows residents to pay traffic tickets, tells drivers how to contest tickets, and provides helpful traffic court information.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Anaheim DUI insurance.

Traffic Fatalities

In 2013, Anaheim experienced 20 deaths in motor vehicle crashes, eight of which were pedestrians. This works out to a fatality rate of 2.32 per 100,000 residents. All traffic deaths are a tragic loss, but considering Anaheim’s estimated population of 351,043 this is a relatively safe city in terms of traffic fatalities.

Vehicle Theft Rates

The Anaheim Police Department recorded 1,671 vehicle thefts in 2016. This is a rate of 4.76 per 1,000 city residents. This is more than double the national auto theft rate of 2.20 stolen cars per 1,000.

Car Insurance Discounts

Are you looking for  affordable car insurance? Discounts are one of the best ways to lower your rates. These are some of the many auto insurance discounts available to Anaheim drivers.

  1. Bundle your auto insurance with your homeowners or renters policy. Bundling can knock 20% off your premium
  2. Drive less. Living close to work can lower your rates if you qualify for the low mileage discount
  3. Get a new car with advanced safety features like electronic stability control or ant-lock brakes
  4. Install anti-theft devices or a car alarm
  5. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  6. Take a defensive driving course from an accredited driving safety school

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