Find Car Insurance in Anaheim, CA

What You Should Know about Auto Insurance in Anaheim, California

Anaheim is known for being a hub of entertainment, tourism, and major professional and sporting events. The most recognizable landmarks here are Disneyland resort, an iconic symbol of American culture and entertainment, and Anaheim Convention Center, a popular setting for events, trade shows, and conventions for all industries.

Anaheim locals often drive to nearby natural landmarks, including Carbon Canyon Regional Park and Oak Canyon Nature Center. Navigation is straightforward due to the city’s grid-like pattern and highways such as I-5 or SR-91 connect to interstates.

While tourists and locals enjoy exploring all Anaheim has to offer, driving downtown or during peak hours can be challenging. The Golden State mandates that all drivers have California auto coverage to prepare for potential risks on these roads. If you’re looking for a new policy, the experts at InsureOne are here to help find top-tier solutions at the best rates.

How Much Does Car Insurance Cost in Anaheim, California?

The cost of car insurance varies depending on the specifics of your plan. Full auto coverage  includes collision and comprehensive benefits, so these plans typically cost more than those with the minimum requirements determined by the state.

California residents usually pay $2,663 annually for full auto policies. For state-required minimum liability auto coverage, the average Californian spends $647 per year.

California is an expensive place to insure your vehicle compared to the rest of the country. Nationally, most people pay $2,314 annually for full auto coverage and $644 per year state minimum liability.

How Do Auto Insurance Rates in Anaheim Compare to Other Cities in California?

Since Anaheim has a high population density and more street traffic than most places in California, these risks are reflected in higher premiums.

City	Full Coverage	Liability Only
Anaheim	$205	$85
Stockton	$217	$86
San Bernandino	$187	$76
San Diego	$173	$65
Salinas	$174	$66

Car Insurance Rates Comparison by Zip Code in Anaheim

To compare the average monthly premiums paid in Anaheim, refer to the breakdown by zip code below.

Zip Code	Full Coverage	Liability Only
92801	$205	$85
92802	$202	$86
92803	$209	$91
92804	$209	$91
92805	$198	$83

What Types of Car Insurance Discounts are Available in Anaheim?

In addition to bundling your plans, most insurers offer a variety of ways to save, including discounts. Here are some of the auto coverage reductions you can qualify for in Anaheim:

• Safe Driver Discount
• Customer Retention Discount
• Anti-Theft Discount
• Paid-in-Full Discount
• Auto Pay Discount

Notable Car Insurance Laws in Anaheim

What are the Mandatory Car Insurance Requirements in Anaheim?

Auto protection laws in California regulate Anaheim and all cities in the Golden State. While there are no laws that are specific only to Anaheim, here is a list of notable legislation and requirements in California. For example, California law requires 15/30/5 for all minimum liability auto policies, or:

• Minimum required bodily injury/death liability coverage of $15,000 for one person and $30,000 for two or more people per accident
• At least $5,000 for property damage

If you are pulled over by law enforcement (such as for speeding on roads like Interstate 5, State Route 91, or State Route 57) you could face legal penalties and financial consequences, which is why Anaheim drivers must insure their vehicles and provide proper documentation.

What is the Penalty for Driving without Vehicle Insurance in Anaheim?

It is illegal to drive in California without protection for your vehicle and Anaheim motorists are no exception to this rule. There are financial and legal ramifications you can experience in Anaheim, like fines, license suspension, and vehicle impoundment.

The first time you receive a fine, you will pay between $100 and $200. California also implements varying penal assessments of an additional specific dollar amount. If the Anaheim Police Department (APD) or any other legal authority includes any penal codes to your ticket, you might have to pay as much as two or three times more than the initial fee. For repeat offenses, the fine increases to $200-$500, and the penalty assessments increase to $520-$1,300.

Do Anaheim-Specific Laws Play a Role in Determining Your Insurance Premiums?

Auto policy requirements are the same throughout California, so legislation wouldn’t necessarily affect your premiums. However, other personal circumstances can affect your rates. In fact, even your gender can affect your auto protection rates. Here are a few other factors insurers consider:

• Your level of education (like a high school or higher degree)
• The type of car you drive
• The zip code where you store your vehicle
• Your driving frequency. If you typically only use your vehicle to run local errands and pick up your kids from Loara Elementary or St. Catherine’s Academy, you’ll pay less than someone who commutes daily to and from Los Angeles.
• Your age

Here’s What You Need to Know When Driving in California

California roads offer a diverse driving experience with different terrains, elevations, and traffic patterns. Understanding these can enhance safety for you and others while navigating your vehicle.

For instance, while many states do not permit lane splitting, motorcycles in California can ride beside other vehicles in slow-moving or stopped traffic. Lane splitting can increase the chances of getting in an accident, so if you are a rider take extra precautions by investing in proper motorcycle insurance to protect you, your passengers, and your bike. If you are on a road with two or more lanes, like SR-91, SR-57, or I-5, be aware of your surroundings. Use blinkers and check blind spots when turning or changing lanes. Ensure your auto policy includes collision coverage for post-accident repairs.

Since driving in California has risky road conditions, you’ll want to work with a reliable provider to protect you, alleviate potential financial burdens, find you the best auto protection with customizable options like roadside assistance.

How Many Car Accidents Happen in Anaheim Per Year?

Every year, many car accidents occur, some of which lead to fatalities. Having adequate car insurance coverage can help alleviate the financial burden that may result from an accident.

Here is a comparison of Anaheim to other cities in California:

City	Annual Average Number of Fatal Car Crashes
Anaheim	43
Stockton	48
San Bernandino	57
San Diego	138
Salinas	7

How Many Uninsured/Underinsured Motorists are in Anaheim?

As of 2022, there’s a notable statistic regarding California’s motorists. It was found that 17% of them did not carry auto insurance. This lack of protection poses various risks and challenges on the state’s roads.