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Car Insurance in Anaheim

Illustration of van driving by Freeway Insurance headquarters

If you dream big, there is no state quite like California. And throughout California, there is no city with quite the same character and culture as Anaheim.

In fact, Anaheim is the 10th-largest city in the entire state. That means there is plenty to see and do, but the city is large enough that you’ll need to find the best way to get to your different destinations.

Of course, the simplest way is to drive. But before you drive in Anaheim, you need to know what to expect in terms of car insurance coverage and costs, as well as driving conditions and infrastructure.

Keep reading to discover everything you need to know about car insurance in Anaheim!

Quick Facts

  • The average cost of full coverage car insurance is $2,136
  • There were 2,137 vehicle occupants killed in Anaheim car accidents in 2017

How Much Does Car Insurance Cost in Anaheim?

By now, you’ve probably noticed that the topic of California car insurance can get confusing. For most drivers, the most important thing to know is how much they will have to pay for car insurance.

In Anaheim, California, the average cost for full coverage car insurance is $2,136. Our chart below will help you understand how well this stacks up with full coverage costs throughout the state.

City Average Annual Premium
Los Angeles $2,838
San Diego $1,898
San Jose $2,020
San Francisco $2,441
Fresno $2,006
Sacramento $2,236
Long Beach $2,245
Bakersfield $1,984
Oakland $2,380

Anaheim Car Insurance Rates by Zip Code

If you have traveled around a bit, you may already know that car insurance costs can vary quite a bit from state to state and city to city. And even within the same city, there can be some big differences across different zip codes.

What kinds of car insurance costs can you expect to pay in Anaheim? Below, we have a breakdown of average car insurance costs by zip code. Keep in mind that this represents the cost for the minimum required car insurance.

Zip Code Average Premium
92805 $1,441
92802 $1,509
92801 $1,512
92804 $1,579

Anaheim Car Insurance Rates by Age

At some point, every driver has that moment where they stare at their insurance premium in confusion. And these drivers now have a single question: “why am I paying this much for my car insurance?”

The truth is that many different factors can impact the cost of your premium. And one of these factors that are outside of your control is your age.

In Anaheim, drivers will pay a very different premium at different points in their lives. Keep reading to discover a breakdown of how much Anaheim drivers can expect to pay based on age.

Age Average Annual Premium
Teens $7,108
20s $2,857
30s $1,892
40s $1,831
50s $1,748
60s $1,741
70s $2,022

Driving Conditions in Anaheim

How Many Fatal Accidents Happen in Anaheim

Another major factor impacting your car insurance premium is the safety of the area. Generally speaking, areas that have many different crashes and fatalities will have a higher insurance cost because it is dangerous to drive in such areas.

How safe, then, is it to drive in Anaheim, California? Drivers in Anaheim should be careful: in 2017, there were 2,137 vehicle occupants killed in 2017. This is part of a larger trend where the state saw 197,146 fatal and injury traffic crashes that year.

How Are the Road Infrastructure and Bridges in Anaheim?

The general safety of driving through a city comes down to more than the other drivers. A safe city requires a good infrastructure.

The good news for locals is that the city of Anaheim has invested heavily in road infrastructure in recent years. One big example of this is the $1.9 billion I-405 Improvement Project to help expand the clogged I-5 freeway.

That same project is also intended to replace bridges that do not meet the city’s current height and weight standards. And with this project on track to be completed in 2023, Anaheim drivers can look forward to a safer driving experience in the years to come.

Minimum Car Insurance Requirements in Anaheim

Previously, we mentioned two different types of car insurance. The first is “full coverage insurance,” which includes a combination of liability, collision, and comprehensive insurance. The second is minimum coverage, which is generally just liability insurance.

The minimum required insurance for drivers is set by states and not by cities. So to understand the minimum car insurance requirements for Anaheim, you must understand the minimum requirements of the state of California.

Below is a breakdown of the minimum insurance requirements:

  • $15,000 for injury/death to one person
  • $30,000 for injury/death to more than one person
  • $5,000 for property damage

Factors Allowed in Anaheim Car Insurance Rates

So far, our guide has touched on different factors affecting your insurance premium, including age and zip code. But do you know what other factors may play a role?

Below, we have info about the different factors that insurance companies in California are allowed to use.

So, what factors are allowed in California to determine your Anaheim insurance rates?

  • Age
  • Zipcode
  • Education & occupation
  • Marital status

Unlike most other states, California cannot use the factors below in order to determine your insurance premium:

  • Credit score
  • Gender

Discounts for Car Insurance in Anaheim

If you really want to reduce your car insurance premium, one of the most effective ways is to research possible discounts for car insurance. Different carriers may offer discounts for different actions and safety measures that drivers take.

Below is a list of discounts that may be available. Remember, you will not know what exact discounts are available until you contact your own carrier.

  • Discount for safe driving
  • Discount for installing anti-theft devices
  • Discount for being a college student
  • Discount for military service
  • Discount for having multiple policies with the same carrier
  • Discounts for being mature, retired, or a senior citizen

What Are the Penalties for Driving Without Insurance in Anaheim?

It is required for drivers in Anaheim and throughout the state to have car insurance. But what happens if you are caught driving without the required insurance?

First offenders can expect fines that range from $100-$200. And the court can always add additional penalties beyond the initial fine, even for a first offense.

If someone has a second offense within three years of the first one, the fine increases to a range of $200-$500. And again, there may be additional fines and penalties at the discretion of the court.


Get an Anaheim Car Insurance Quote Today!

Anaheim, California office building and park with palm trees
Now you know what to expect from your car insurance in Anaheim, California. But do you know where you can find competitive rates for the best car insurance coverage?

You can easily get started with a quote online. Or to talk to someone in person, all you need to do is come to a local office near you. Or to make things really simple, just call us at (800) 777-5620 for a quote!