Anaheim CA – Car Insurance Costs
Anaheim full coverage car insurance costs $384 a month — $4,603 a year — on the statewide city table below, while the five carriers priced on this page span $254 to $385 a month in 2026. Tourism traffic is the local pressure point: the Disneyland Resort draws roughly 25 million visitors a year and is the largest single traffic generator in Orange County, feeding the I-5 Santa Ana Freeway where the average county commuter loses about 82 hours a year to congestion. Choosing GEICO at $3,049 a year over All State at $4,623 saves an Anaheim driver $1,574 on identical full-coverage protection.
Rates last verified and updated: July 2026.
Anaheim, California, is a bustling city in Orange County, renowned for its iconic theme parks, vibrant entertainment scene, and warm Southern California climate. The city’s crown jewel is Disneyland Resort, a world-famous amusement park that draws millions of visitors from around the globe and plenty of opportunities for family road trips and the need for a great car insurance policy.
Drivers in the Anaheim area have multiple cheap car insurance coverage options when comparing free quotes & rates from local providers. We will break down the average auto insurance policy costs for the city throughout this guide:
- On average drivers can expect to pay $92 monthly or $1,102 yearly for state minimum liability coverage and $345 monthly or $4,141 yearly for a full coverage auto policy in Anaheim, CA.
- InsuranceQuotes cost rates are pulled from our real-time auto insurance cost database for multiple drivers and quotes in your city – it is based on a used car driver who is single, middle aged and has a clean CA driving record with no prior violations. – Read on to learn about cheapest costs based on insurance providers, new cars, different vehicle types and age.
Which Company Has the Cheapest Car Insurance in Anaheim?
In Anaheim, CA on average the cheapest auto insurance provider is GEICO and AAA. State minimum coverage starts at $58 monthly or $697 a year – Full coverage would cost $254 a month or $3,049 a year.
Here is a breakdown of average costs from the cheapest local insurance providers near you from a huge data set of used-car drivers who are single, middle aged and have a clean California driving record:
| Insurance Company: | Minimum Liability: | Monthly: | Fulll Coverage: | Monthly: |
|---|---|---|---|---|
| GEICO | $697 | $58 | $3,049 | $254 |
| AAA | $898 | $75 | $4,232 | $353 |
| Interinsurance Exchange | $1,198 | $100 | $4,309 | $359 |
| State Farm | $1,314 | $110 | $4,493 | $374 |
| All State | $1,401 | $117 | $4,623 | $385 |
California Insurance Costs for Different Used Vehicle Types:
To determine how much you can expect to pay for your insurance based on vehicle type we averaged multiple cost quotes in CA and pulled data for used vehicles such as a BMW 4 Series, Chevy Bolt, Honda CRV, Nissan Titan, and a Toyota Camry.
| Vehicle Type: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Luxury Coupe | $899 | $75 | $5,114 | $426 |
| Hybrid Electric | $963 | $80 | $3,688 | $307 |
| SUV | $963 | $80 | $2,983 | $249 |
| Truck | $1,075 | $90 | $4,061 | $338 |
| Car (4door) | $979 | $82 | $3,501 | $292 |
California Insurance Costs for New Cars
We pulled cost data for new 2022-2023 vehicles as well to give you an idea of the difference in rates for newer cars vs. a used vehicle.
| Vehicle Type: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Car (4door) | $980 | $82 | $4,277 | $356 |
| Hybrid Electric | $989 | $82 | $4,567 | $381 |
| Luxury Coupe | $968 | $81 | $6,434 | $536 |
| SUV | $1,018 | $85 | $3,607 | $301 |
| Truck | $1,110 | $93 | $4,885 | $407 |
Car Insurance Requirements in CA
In California cities the minimum coverage for car insurance and liability insurance required is:
- $15,000 for injury/death to one person
- $30,000 for injury/death to more than one person
- $5,000 for damage to property
How Does Age Affect Your Auto Policy Rates in California?
In California, age is a significant factor that influences car insurance costs. Generally, younger drivers tend to face higher insurance premiums compared to older, more experienced drivers. This is primarily because statistics show that younger drivers, particularly teenagers and individuals in their early twenties, are more likely to be involved in accidents due to their limited driving experience and higher risk-taking behavior on the road.
Insurance companies in California consider younger drivers as higher-risk customers, leading to higher premiums to compensate for the increased likelihood of claims. As drivers gain more experience and develop safer driving habits over time, their insurance rates generally decrease.
Here is a breakdown of the average costs for car insurance based on age in California:
| Age: | State Minimum: | Monthly: | Full Coverage: | Monthly Cost: |
|---|---|---|---|---|
| 17 | $2,605 | $217 | $8,215 | $685 |
| 18 | $2,338 | $195 | $7,690 | $641 |
| 20 | $1,645 | $137 | $5,770 | $481 |
| 22 | $1,341 | $112 | $4,817 | $401 |
| 24 | $1,234 | $103 | $4,472 | $373 |
| 29 | $1,044 | $87 | $3,797 | $316 |
| 34 | $1,003 | $84 | $3,652 | $304 |
| 39 | $998 | $83 | $3,579 | $298 |
| 44 | $991 | $83 | $3,517 | $293 |
| 49 | $967 | $81 | $3,421 | $285 |
| 54 | $967 | $81 | $3,384 | $282 |
| 64 | $945 | $79 | $3,189 | $266 |
| 74 | $1,112 | $93 | $3,489 | $291 |
| 76 | $1,201 | $100 | $3,659 | $305 |
Compare Rates from Other CA Cities
In California your auto insurance quote rates will vary depending on which city you live in. Insurance providers often have higher policy rates in heavily populated cities like Los Angeles and cheaper rates for residents in more rural densely populated cities. Here is a breakdown of costs for all cities in California for state minimum and full coverage:
| CA City: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Alhambra | $1,312 | $109 | $5,319 | $443 |
| Anaheim | $1,123 | $94 | $4,603 | $384 |
| Arden-Arcade | $1,174 | $98 | $4,516 | $376 |
| Bakersfield | $982 | $82 | $4,314 | $359 |
| Berkeley | $977 | $81 | $4,200 | $350 |
| Burbank | $1,327 | $111 | $5,301 | $442 |
| Carlsbad | $959 | $80 | $4,076 | $340 |
| Carson | $1,128 | $94 | $4,789 | $399 |
| Casa de Oro-Mount Helix | $974 | $81 | $4,132 | $344 |
| Chico | $887 | $74 | $3,698 | $308 |
Compare further: see average car insurance rates in California, review California home insurance rates, or check nearby Irvine car insurance rates.
The statewide city table on this page puts Anaheim at $94 a month for minimum liability and $384 a month for full coverage, or $1,123 and $4,603 a year. Carrier by carrier, full coverage runs from $254 a month with GEICO up to $385 with All State in 2026. Anaheim sits on the higher side of the California range, and your own quote will shift with your ZIP code, vehicle and record.
GEICO leads at $254 a month for full coverage and $58 for minimum liability. AAA follows at $353, then Interinsurance Exchange at $359, State Farm at $374 and All State at $385. Between GEICO and All State the full-coverage spread on this page exceeds $130 a month for the same limits, a $1,574 difference across a policy year.
It is a genuine rating pressure. The Disneyland Resort attracts about 25 million visitors a year and is the largest single traffic generator in Orange County, concentrating unfamiliar out-of-town drivers onto the I-5 Santa Ana Freeway and the surrounding surface streets. Orange County commuters already lose roughly 82 hours a year to congestion. More vehicles, more unfamiliar drivers and more low-speed collisions push up claim frequency, which is reflected in Anaheim’s $384 monthly full-coverage average.
California sets a 15/30/5 floor: $15,000 for injury or death to one person, $30,000 for all people in one accident and $5,000 for property damage. Because California is an at-fault state, the driver responsible for a crash owes the other party’s damages. Anaheim minimum liability averages $94 a month, but $5,000 of property damage does not go far against current vehicle values.
Anaheim’s $384 monthly full-coverage average runs above Carlsbad at $340, Berkeley at $350, Bakersfield at $359 and Arden-Arcade at $376 on the city table below, though it stays under Carson at $399, Burbank at $442 and Alhambra at $443. Dense Orange County traffic, heavy tourism volume and high repair and vehicle-replacement costs are the main drivers of that positioning.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
