Anchor General Car Insurance Review 2025

Anchor General is an insurance company based in San Diego that serves five states (California, Arizona, Texas, Oregon and Washington). The company has a relatively good financial strength rating, though it’s not rated as highly as most of its competitors. Anchor General also has an exceptionally high number of customer complaints with the National Association of Insurance Commissioners (NAIC), though its rating is higher among Jerry customers.

Pros:

• Easy to apply.
• Bilingual support.
• Budget-friendly premiums, including for those who need SR-22s filed.

Cons:

• Claims department has room to improve.
• Available in few states.
• Fee for paying in monthly installments.

Is Anchor General the right insurance company for you?

Anchor General is an option for drivers who: 

• Need SR-22 coverage in Texas, California, Washington, Oregon or Arizona.
• Need a policy immediately.
• Need the minimum insurance coverage.
• Have poor credit or are older adults.
• Don’t need high-touch service.

Not every driver in these groups will find the lowest possible prices from Anchor General. But high-risk drivers or people who need non-standard auto insurance may save money by switching to Anchor General.

Anchor General’s coverage options include full coverage, liability coverage, uninsured/underinsured motorist coverage (UM/UIM), and personal injury protection (PIP) coverage. While the company doesn’t offer any other types of insurance (like renters or home insurance), customers have convenient payment options like pay-by-phone or monthly electronic funds transfer.

Is Anchor General car insurance expensive?

Most Anchor General drivers were satisfied with their policy cost — and many reported that Anchor General’s low policy costs were a major appeal, given their driver profile.

According to our survey results, 25% of all surveyed Anchor General reviews mentioned cost directly. Of these results, 80% of the reviews were positive and just 12% were critical. This ratio is slightly better than the national ratio.

But when comparing Anchor General with the national average rating on overall cost satisfaction (3.8/5), Anchor General ranked slightly worse (3.4/5). It’s unclear from the company’s website whether Anchor General provides as many discounts as bigger companies.

Our final assessment is that Anchor General may offer affordable rates to some driver profiles, making this company worth consideration for drivers in the five states where it sells insurance.

Keep in mind: Car insurance rates are highly individualized, meaning that every driver’s quote from Anchor General will be different. Like other insurance companies, Anchor General calculates insurance premiums based on: 

• Age.
• Gender (when allowed).
• Driving record.
• ZIP code.
• Insurance history.
• Driving experience.
• Type and amount of coverage.
• Vehicle make, model and year.

Find real Anchor General car insurance quotes

Take a look at some recent quotes from Anchor General. They can give you a better understanding of how your driving profile might affect the cost of insurance with Anchor General:

Does Anchor General resolve claims fast?

Anchor General’s website boasts in-house claims processing, but many policyholders have reported delays.

In the claims handling process, the insurance company reaches out to the involved parties to accurately assess the damage with an adjuster and assign a claim number. It’s a stressful time for policyholders, so prompt communication and friendly service are important.  

About 75% of the Anchor General policyholders we surveyed reported that they filed a claim, though they rated the claims handling process 1/5. When compared to the national average of 3.5/5, Anchor General has plenty of room to improve its claims processing.

Anchor General also has a remarkably high NAIC complaint index. This index measures the number of complaints an insurer receives relative to its size, so a high index indicates many complaints.

The insurer also has a B+ financial strength rating from AM Best, which means the insurer has a good ability to pay out claims. Many of the insurer’s competitors are rated A, A+ or A++, making them financially stronger.

How Jerry customers rate Anchor General

Here’s how real Jerry customers have rated Anchor General.

Anchor General car insurance discounts

Anchor General does not publicly disclose any discounts, but most insurance companies offer them.

Car insurance discounts are important for drivers who want to spend less on their insurance. These discounts are usually easy to unlock and they can lower your total insurance costs. 

You may be able to earn discounts based on how safely you drive, how little you use your car, or if you install safety devices. For instance, you might be able to get a multi-car discount or a good driver discount.

Insurers can change their discounts without notice. To learn more about Anchor General’s discounts, reach out to an agent or explore your options with a broker like Jerry.

Anchor General coverage options

Car insurance coverage requirements vary based on individual circumstances and state regulations. Here are some of the common types of car insurance that Anchor General offers its customers:

• Liability insurance: Drivers can buy bodily injury liability and property damage liability coverage as required by their state to cover claims for other parties in at-fault car accidents. 
• Uninsured/underinsured motorist coverage (UM/UIM): If the other driver’s insurance can’t pay enough to help you after an accident, UM/UIM steps in to help with your medical bills and repairs to car. 
• Comprehensive coverage: If your car gets stolen or damaged by things like fire, weather or vandalism, comprehensive coverage kicks in after you’ve paid the deductible.
• Collision coverage: Collision insurance helps pay to fix your car when it’s been damaged in a crash, such as a multi-car accident, a guardrail scrape or a rollover. 
• Personal injury protection: PIP is required in no-fault states. This coverage helps pay for things like doctor bills, money you didn’t earn because you couldn’t work, and other costs related to your health and the health of the people after a crash.

Anchor General’s additional tools and services

Anchor General does not currently offer a telematics program or accident forgiveness. The insurer does offer an online payment portal and bilingual customer service.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record. For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.