Cheapest Car Insurance Quotes In Anderson, CA For 2024

In Anderson, GEICO stands out as the most affordable choice, offering an average rate of $32 per month.

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Updated: 01 April 2024
Written by
Bob Phillips
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When searching for the most budget-friendly car insurance in Anderson, CA, options can vary, but one company stands out for its competitive rates: GEICO. On average, residents can obtain car insurance for approximately $32 per month, significantly below the state’s average of $167.

For individuals seeking the most economical liability-only coverage, GEICO emerges as the top choice. Meanwhile, those desiring more extensive protection will find that GEICO offers the best rates for full coverage policies, priced at $95 a month. However, State Farm offers the most affordable rates for young drivers, coming in at $240 per month.

Cheapest Car Insurance Companies In Anderson, CA

Our Methodology

Based on a comprehensive analysis that considers customer service ratings, product options, pricing, and thorough assessments of multiple online review platforms and user experiences, I've developed a detailed understanding of the car insurance provider landscape in Anderson, CA. This perspective is informed by over 15 years of direct involvement in the industry as a licensed insurance agent. Throughout this time, I've had numerous interactions with representatives from different companies and gained valuable insights from firsthand experiences.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Anderson, CA?

GEICO provides the most affordable car insurance in Anderson, CA, with coverage available for $123 per month. This rate significantly undercuts the average rates in both California and the entire United States, as demonstrated in the table below:

Area Average Monthly Rate
National $152
California $167
Anderson, CA $123

It’s important to note that the average national cost encompasses both high-cost states like New York, New Jersey, and California, as well as low-cost states such as Mississippi, Kentucky, and Wyoming. Rates are subject to variation based on location due to numerous factors, including vehicle type, coverage amount, zip code, driving history, and more.

Cheapest Car Insurance Rates In Anderson For Young Adults

State Farm provides the most affordable quotes for young adults in Anderson, with rates averaging around $240 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $240 $2,876
GEICO $242 $2,917
Kemper $257 $3,020
Allstate $264 $3,119
Travelers $278 $3,214

In California, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This difference in pricing is due to the development of driving habits and a corresponding decrease in risk-taking behaviors as drivers mature.

Statistically, young adults are less prone to filing claims with insurance companies, indicating a reduced involvement in accidents. As a result, insurers decrease premiums, acknowledging the improved safety records and decreased likelihood of claims from these more experienced drivers.

Cheapest Car Insurance Rates In Anderson For Minimum Coverage

GEICO stands out as the most budget-friendly car insurance provider for minimum coverage in Anderson, offering an average monthly cost of $32.

Provider Average Monthly Cost Average Annual Cost
GEICO $32 $384
Progressive $42 $500
Mercury $43 $514
State Farm $48 $574
Kemper $49 $581

In California, the minimum car insurance requirement is often expressed as 15/30/5. This indicates that your policy should include at least the following coverage limits:

  • $15,000 for bodily injury per person
  • $30,000 for bodily injury per accident
  • $5,000 for property damage per accident

Having minimum car insurance offers some protection while driving, but it doesn’t include collision or comprehensive coverage. This means damages to your own vehicle in accidents or incidents like theft and natural disasters won’t be covered.

In California, driving without insurance is illegal. Failing to show proof of insurance during a traffic stop can lead to penalties, including fines, license suspension, or other consequences.

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Cheapest Car Insurance Rates In Anderson For Full Coverage

GEICO offers the most affordable car insurance rates for full coverage in Anderson, with average quotes at $95 per month.

Provider Average Monthly Cost Average Annual Cost
Progressive $97 $1,286
GEICO $95 $1,141
Mercury $103 $1,238
Allstate $110 $1,314
State Farm $111 $1,326

Full coverage car insurance provides comprehensive protection that extends beyond the basic coverage required by law. This type of insurance usually combines comprehensive and collision coverages.

Comprehensive coverage protects against non-collision incidents such as theft, vandalism, or natural disasters, while collision coverage provides financial protection for vehicle damages resulting from accidents, regardless of fault.

Cheapest Car Insurance Rates In Anderson For Seniors

State Farm offers the most budget-friendly car insurance rates for seniors in Anderson, with average quotes at $85 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $85 $1,040
GEICO $92 $1,095
Progressive $93 $1,107
Mercury $101 $1,213
Allstate $104 $1,249

In California, many seniors may discover favorable car insurance rates influenced by several advantageous factors. While age often plays a role in determining insurance rates, with older age sometimes linked to diminished driving ability, this stereotype doesn’t apply universally.

Cheapest Car Insurance Rates In Anderson For Teenagers

Teenage drivers in Anderson can secure the most affordable quotes from State Farm, with average monthly premiums of $309.

Provider Average Monthly Cost Average Annual Cost
State Farm $309 $3,741
GEICO $319 $3,832
Kemper $327 $3,921
Travelers $354 $4,112
Allstate $380 $4,591

Teenage drivers typically encounter the highest car insurance premiums, primarily because of their lack of experience on the road. Insurance providers classify these young drivers as high-risk due to statistics showing they are more likely to be involved in accidents and commit traffic violations.

Cheapest Car Insurance Rates In Anderson For Good Drivers

Good drivers in Anderson can access the most economical car insurance quotes from GEICO, averaging around $32 per month.

Provider Average Monthly Cost Average Annual Cost
GEICO $32 $384
Progressive $42 $500
Mercury $43 $514
State Farm $48 $574
Kemper $49 $581

In Anderson, drivers with clean records generally receive lower car insurance rates because they’re seen as lower risk. Insurance companies assess driving records to gauge a person’s driving habits. A record with fewer incidents, such as accidents or traffic violations, indicates cautious driving behavior and a lower likelihood of filing a claim.

Insurers determine rates based on the probability of a driver making a claim. A spotless driving record can result in considerable savings on premiums. It’s all about assessing risk – a cleaner record implies lower risk, leading to lower insurance costs.

Cheapest Car Insurance Rates In Anderson For Drivers With Prior Incidents

In Anderson, drivers with records of traffic violations, such as accidents, speeding tickets, or DUIs, often encounter challenges in securing affordable car insurance. These driving infractions lead insurance companies to classify them as high-risk, expecting a higher likelihood of filing future insurance claims.

As a result, insurance providers increase their rates for these individuals to offset the risk of potential higher claim payouts.

Cheapest Car Insurance Rates In Anderson For Drivers With A Speeding Ticket

State Farm offers notably affordable rates compared to other companies, with average monthly premiums of $174.

Provider Average Monthly Cost Average Annual Cost
State Farm $174 $2,099
Travelers $241 $2,842
Geico $320 $3,894
Allstate $329 $4,012
Progressive $368 $4,477

Cheapest Car Insurance Rates In Anderson For Drivers With An At-Fault Accident

State Farm provides the most affordable car insurance quotes for drivers with an at-fault incident, boasting an average rate of $192 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $192 $2,375
Travelers $259 $3,218
Geico $265 $3,242
Progressive $400 $4,897
Allstate $555 $6,717

Cheapest Car Insurance Rates In Anderson For Drivers After A DUI

State Farm stands out as the company offering the most budget-friendly rates for drivers with a DUI in Anderson, with average monthly premiums of $188.

Provider Average Monthly Cost Average Annual Cost
State Farm $188 $2,319
Travelers $269 $3,286
Progressive $319 $3,623
Geico $337 $4,042
Allstate $407 $5,059

Best Car Insurance Companies In Anderson

For drivers in Anderson, selecting the appropriate car insurance provider involves balancing affordable rates with dependable protection on the road. Below are the top 10 car insurance companies in Anderson, CA, ranked by the average monthly rate they offer.

Company Monthly Premium
California Capital $180
Progressive $90
GEICO $93
National General $101
Mercury $157
USAA $150
Allstate $108
State Farm $109
Capital Insurance Group $118
Nationwide $120

Average Car Insurance Rates By Age In Anderson

Age Average Yearly Rate
Teenagers $3,824
20s $2,220
30s $1,608
40s $1,320
50s $1,560
60s $1,560
70s $1,740

Age plays a significant role in determining car insurance rates. Typically, younger drivers, especially teens and young adults, encounter higher insurance premiums due to their lack of experience and statistically higher likelihood of accidents and traffic violations. As drivers reach the age of 25, their rates usually begin to decrease, assuming they maintain a clean driving record.

The most favorable insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk potential, which in turn influences the cost of premiums.

Average Car Insurance Rates By Vehicle Type In Anderson

Vehicle Average Monthly Rate
Honda Cr-V $75
Kia Sorento $160
Honda Civic $88
Toyota Tacoma $96
Toyota Corolla $104

The type of vehicle you own significantly impacts your car insurance costs. Insurance companies consider factors such as the make, model, year, and body type of the car. Generally, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

Conversely, older cars or those less expensive to repair or replace may attract lower premiums. Insurers take these factors into account because they directly affect the potential cost of claims – for example, repairs for a high-end car are typically more expensive than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In California?

City Average Monthly Rate
Jurupa Valley $140
San Diego $126
Bakersfield $132
Culver City $160
Fresno $132
Pleasanton $124
Lynwood $160
Norwalk $147
Redlands $143
Lancaster $181

Your city of residence greatly influences your car insurance rates. Insurance companies evaluate various factors related to your location, such as the likelihood of accidents, vehicle theft, and vandalism rates, which are usually higher in urban areas. This elevated risk often results in higher premiums.

FAQs

Who has the lowest car insurance rates in Anderson?

The most affordable car insurance rates in Anderson are provided by GEICO, both for the minimum coverage required by the State of California and for full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Anderson?

The average cost of car insurance in Anderson is approximately $123 per month. However, rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant variables.

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