What is the Average Cost of Car Insurance in Anaheim?

Anaheim, California is a moderate sized city located in the larger Los Angeles metro area. The town’s population is a little more than 328,000 citizens. However, nearly every day thousands of tourists descend on the town to enjoy its chief attraction, Disneyland. This area is known for its traffic issues and drivers within the Anaheim community face an average daily commute that is just under 30 minutes. By comparison, Washington, DC drivers face an average commute of over 40 minutes and New York state drivers spend an average of 35 minutes getting to work every day.

On top of heavy traffic and lengthy commute times, Anaheim car owners are also faced with a relatively high car theft rate. The National Insurance Crime Bureau ranks the Los Angeles/Long Beach/Anaheim metro area at #38 nationally. This translates into 53,928 total thefts in 2018 and a population-adjusted rate of 405.73 per 100k local residents. By comparison, the nation’s top city for automobile theft was the Albuquerque, NM Metro Area, which reported 7,146 auto thefts in 2018. This translates into a population-adjusted rate of 780.19.

Drivers in Anaheim should thus be aware of their options for automobile insurance. With so many drivers on the road who log so much time commuting, there is an increased risk for accident. Add to this the fact that the town is constantly dealing with thousands of tourists on the highways and byways. These drivers are often lost or distracted by their new surroundings. Their lack of familiarity increases the odds of a collision.

What is Required for Anaheim Drivers?

Drivers in Anaheim, CA are all mandated by law to have car insurance. This is so that every driver is accountable for the accidents they might cause. Thus, drivers are required to carry a policy that at least covers their liability in an accident. These policies are generally the cheapest, but they are far from optimal.

Automotive liability insurance policies only cover the drivers that are found to not be at fault in an accident. Thus, any damage incurred by the at-fault party must be covered out-of-pocket. Meanwhile, if a crash victim only has liability insurance, yet needs immediate repairs to get their car back to full operating condition, they must wait for the at-fault driver’s insurance to complete the claim. A more comprehensive policy makes sure that any damage to one’s car can be covered immediately, though insurance rates on these policies are often higher and may be out of some people’s price-range. From that point, the victim’s insurer and that of the perpetrator can settle the claims between themselves.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Anaheim by Insurer

Drivers in Anaheim, CA can use the following chart to find the very least expensive car insurance and save. Leading the pack of companies offering decent rates is Amco Insurance, but Farmer’s and Geico also offer a great value. Feel free to review the following rates but also make sure the insurer you choose offers the level of service that you need. Costs for insurance differs between states, county, and cities, so it’s important you specifically look for costs in your location. How much you pay will change based on where you and your family live.

Are you looking for cheap quotes for auto coverage near you?

Low Cost Auto Insurance for Bad Credit in Anaheim

Bad credit is an unfortunate reality for many in Anaheim, CA. Fortunately, California insurers are barred from basing their rates on a person’s credit. However, drivers who need low rates should focus on being good drivers and make sure they have few tickets and even fewer accidents. Because of the rule in California, good drivers with bad credit aren’t penalized on their auto insurance and can save their money for settling old debts and otherwise improving their financial picture. If you’re not worried about privacy concerns, you may also find discounts by looking into usage-based insurance, which uses a system to track your driving.

Find out the which auto insurance company has the lowest rates for poor credit drivers.

Full Coverage Vs. Liability, Which is Best For You?

What is Liability Only Coverage?

Liability-only policies cover any damage you do as a driver, or which results from your automobile. These policies meet the minimum requirement for drivers in Fresno, California and are generally the cheapest. That is because the policy does not cover your car. Thus, if an uninsured driver hits your car, and is at fault, any damage you incur must be repaired at your expense. You will also be unable to make a claim if your car is damaged due to weather or as a result of some other non-driving incident.

What is Full Coverage Car Insurance?

Full coverage is not a category used by insurance companies. Rather, it is a colloquial term used to describe policies that cover both you and other drivers. Thus, if you are in a collision with an uninsured motorist, you can make a claim to repair damage to your car. If your car is injured by some other sort of accident or even vandalism, you can claim those repairs, too.

When you purchase a car on a financing plan, your lender will probably insist that you cover the car with a comprehensive policy that will cover any damage. Even if you purchase a car outright you might want to purchase a comprehensive policy so that your beautiful car remains pristine for as long as possible.

What are the Major Differences Between Full Coverage and Liability?

The chief distinction between full and liability coverage is that full coverage ensures that any damage done to your car can be covered by insurance. Liability insurance only protects you from claims when you are at-fault in an accident. You will still need to pay for any damage to your own car, you just won’t have to pay for damage you caused to another person’s car. Full coverage can cover damage to your car even if the other driver is not insured and cannot compensate you for damages.

Finally, all states require that you carry at least a liability insurance policy so that collision victims receive compensation in the event of an accident. At-fault drivers are likewise protected from claims resulting from an automobile accident.

Average Annual Car Insurance Rates in California by City

Additional cities in California you can check out.

How to Lower Your Insurance Rates Policy

Save on Your Insurance Policy Rates With These Discounts in Anaheim:

  • Shop around

    As you can see from the quotes, there are wildly different prices for auto insurance for the same driver demographic by carrier. We found a thousand or more dollars of difference in most cases.

  • Keep your driving record clean

    If you can drive really defensively, you are going to save money. People with a lot of accidents and moving violations on their record have trouble getting insured at any rate.

  • Look for discounts

    Most auto insurance carriers have discounts for good driving and some student discounts. Sometimes, the agent will not automatically apply the discount. Look on the website to see what discounts they offer.

  • Drive an older vehicle you maintain well

    Since newer vehicles usually require full coverage because you are making payments on the vehicle, you can save considerable money on insurance if you drive an older vehicle that is not worth much money. You won’t need full coverage, although comprehensive insurance is advisable and cheap. This is especially true for young drivers in the family. If they drive used, well-maintained vehicles, they won’t need to pay for full coverage insurance. This can amount to a savings of one or more thousands of dollars each year in insurance costs.

  • Choose a higher deductible for collision insurance

    A higher deductible equates to a lower rate on expensive collision insurance, since you are footing more of the bill in the event of an accident.

Not sure which discounts you may qualify for, consult this guide to learn more.

Anaheim Car Insurance Premiums Cost – What Affects Your Rates?

There are quite a few factors included in determining your cost for auto insurance such as:

  • Your location
  • Age
  • Number of violations you had in the past
  • Gender
  • Whether you are married or single
  • Your credit score
  • The plan you are seeking
  • The deductible
  • Daily miles you drive
  • The make, model, and year of the vehicle to be insured
  • Whether you live alone or with others
  • Your occupation

Use this guide to compare top insurance company rates if you have a bad driving record.

Helpful Anaheim, California Vehicle Resources:

Live Traffic Accidents by City

DMV in California (Find Locations, Vehicle Registration, Titles and Insurance Info)


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