Anaheim, CA Car Insurance
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By Sandra Cruz | Updated March 9, 2021
Anaheim drivers pay an average of $195 monthly for car insurance. Your age, location, driving record, and other contributing factors can drive an increase or decrease to your specific quotes. Read our Anaheim car insurance guide to learn how to save on your next policy and use Insurance Online's quote comparison tool to compare rates instantly from the best cheap car insurance companies in your area.
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Anaheim Average Car Insurance Rate
Anaheim drivers pay $2,111 yearly for car insurance. Comparatively, it is higher than California’s statewide annual average of $1,849 and the nation's annual average of $1,537. Car insurance rates are determined in Anaheim by taking into account each individual's unique coverage needs, as well as their age, driving history, and marital status. Our team at Insurance Online works around the clock to make sure affordable car insurance is accessible at all times to you and your family. Read on to learn more about Anaheim car insurance rates and how to save on your next car insurance policy.
Anaheim Car Insurance Rates by Insurer
Anaheim car insurance companies have their differences in terms of rates, policies, and coverage offered. It is vital to compare rates from carriers in your area and analyze their deals before choosing a policy that best suits your needs. Choosing the cheapest rates may not always be an ideal decision, especially if you drive in areas in Anaheim that are prone to accidents or if you have been in an accident the past.
Anaheim Car Insurance Rates by Insurer
|Company Name||Monthly Rate||Yearly Rate|
Anaheim Car Insurance Premiums by Age
Age affects insurance rates because it is one factor insurance companies consider in assesing a person’s risk of filing a claim. As you age, relatively, your car insurance rates will become cheaper. If you are a teenage driver in Anaheim, you will pay more for car insurance than other drivers who are older and more experienced on the road. Teenage drivers are considered more at risk of getting into an accident and therefore they pay the most. However, after a teenage driver celebrates his/her 20th and 25th birthday, their rate will significantly decrease. On the other hand, older drivers in their 70s pay more than those in their 50s and 60s.
Anaheim Car Insurance Rates by Age
|AGE GROUP||Monthly Rate||Annual Rate|
Anaheim Auto Insurance Rates By Marital Status
Marital status is considered by auto insurers when providing a quote for multiple reasons. Married couples are considered more financially stable in contrast to other marital statuses. Also, married drivers are expected to be more responsible drivers and extra careful on the road. Thus, married couples pay cheaper car insurance rates in Anaheim, CA.
Gender is another factor that insurance companies consider in Anaheim. Female drivers in Anaheim pay more than male drivers by $4.
Anaheim Car Insurance Rates by Marital Status
|Marital Status||Monthly Rate||Yearly Rate|
Anaheim Car Insurance Rates by Violation History
If you are a high-risk driver, then you are not an ideal client for car insurance companies. They account for every angle of risk in your driver profile before providing you with a quote. Risk factors include your behavior behind the wheel, past violation records, location, and credit history. Some insurance companies have the right to reject high-risk drivers, and some might insure you at an additional cost.
If Anaheim drivers are found guilty driving recklessly and causing accidents on the road, they will have to endure an increase of $3,325 annually for car insurance. Speeding tickets, on the other hand, will garner a rate hike of $782. Moreover, DUI violations in Anaheim will cost $3,230 additionally per year for car insurance.
Anaheim Car Insurance Rates by Violation or Accident
|Violation||Monthly Rate||Annual Rate|
|At-Fault Accident with < $1000 Damages||$162||$1,940|
|At-Fault Accident with > $2000 Damages||$282||$3,389|
|Speeding Ticket with 16-20mph Over Speed Limit||$227||$2,725|
Anaheim Car Insurance Rates by Credit Score
Your credit score can also impact your insurance rates in other states, but not California. If you start with a low credit score between 300 to 579, then move up to a score of 800 to 850, you are still not entitled to a decrease in your car insurance rates. In Anaheim and throughout the state of California, credit score is no longer an applicable factor insurers are allowed to consider for calculating car insurance because it is viewed as discriminatory by California lawmakers.
Anaheim Auto Insurance Rates by Credit Tier
|Credit Level||Monthly Rate||Annual Rate|
Other Factors That Impact Your Car Insurance Rates In Anaheim, CA
Anaheim car insurance companies account for age, marital status, and driving history when calculating your insurance rates. However, there are other factors insurance companies consider when giving you your specific quote.
Your location plays a significant role in the cost of your car insurance. If you reside in areas of Anaheim prone to accidents, theft, crime, and uninsured motor vehicle drivers, then it is likely for your insurance rate to go up.
Places of different ZIP codes have different insurance quotes. Every ZIP code has specific risk factors; thus, prices vary. Areas in Anaheim with high accident risks pay an extra 17% ($220) of the average rate.
Anaheim Car Insurance Rates by ZIP Code
|Anaheim ZIP Codes with Expensive Rates||Anaheim ZIP Code with Cheaper Rates|
Weather conditions and driving conditions in Anaheim are also considered a risk to insurers. Wet roads, loose brakes, low visibility, and other succeeding factors can cause auto accidents due to bad weather. Anaheim experiences 62 rainy days a year. An average of 710,000 weather-related accidents occur in California every year. Not to mention occasional wildfires and earthquakes which insurers look at as well. Hence, weather and driving conditions are crucial factors considered when calculating your Anaheim car insurance rates.
Anaheim Car Insurance FAQs
Is there a car insurance company in Anaheim that issues an auto policy for drivers with an international permit?
Yes. The first thing you need to do is to request an online quote. You can use Insurance Online's free insurance quote comparison engine to check multiple companies that insure drivers with a foreign license and compare their rates.
Sandra Cruz | Linkedin
Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.