Anchor General Car Insurance Review 2025

2.0

Jerry’s Score

Our take

Anchor General may provide affordable car insurance to drivers who are considered “high risk” in Arizona, California or Texas. Drivers with clean records in those states may want to consider alternatives first.

Pros

• May charge affordable rates to “high risk” drivers.

Cons

• Available in three states.
• Many consumer complaints.
• Limited coverage and discount information online.

Anchor General car insurance review

Jerry rates Anchor General 2 stars out of five. That’s much lower than the average insurer’s rating and takes into account the insurer’s pricing, industry and consumer ratings, financial strength and complaint data.

Anchor General provides auto insurance in Arizona, California and Texas. The insurer serves primarily “high risk” drivers or those who may struggle to find coverage elsewhere. Anchor General boasts low down payments and flexible payment options but shares limited information about coverage offerings and discounts online. It’s common for such companies to have limited policy options and discounts.

Despite its high rating among Jerry customers, Anchor General has many more consumer complaints with the National Association of Insurance Commissioners (NAIC) than competitors. Its financial strength rating with AM Best is slightly lower than competitors and isn’t included in J.D. Power’s customer satisfaction surveys for auto insurance. renters or home insurance), customers have convenient payment options like pay-by-phone or monthly electronic funds transfer.

Is Anchor General a good insurance company?

Anchor General may provide relatively affordable car insurance to drivers with low credit scores, DUIs on their records or other risk factors that limit their coverage options. If you have good credit and a clean driving record, you’ll likely find more coverage options and a lower rate elsewhere.

Because no two insurers calculate premiums the same way, it pays to get quotes from multiple providers to find the right coverage at the best price.

How much does Anchor General car insurance cost?

The average cost for state minimum car insurance with Anchor General is typically cheaper than the national average, according to aggregate data collected from over 400,000 policies quoted to real customers via Jerry in 2024 from 24 different insurance companies.

Your premium is determined by a number of factors, including your age, location, the type and age of your vehicle, your driving record, other drivers on your policy and the amount of coverage you require.

Anchor General car insurance rates

Here’s a look at Anchor General’s car insurance rates quoted for real Jerry customers.

Anchor General car insurance discounts

Anchor General doesn’t include information about discounts on its website. If you think Anchor General insurance may be right for you, call a local broker to inquire about discounts.

Does Anchor General offer insurance based on driving behavior?

Anchor General does not price insurance based on driving behavior data, according to a customer service representative.

Many insurers offer telematics programs, which allow policyholders to download a mobile app so the company can track their driving behavior and adjust their premiums accordingly.

Anchor General car insurance coverage options

Most insurers offer collision, comprehensive, liability for bodily injury, liability for property damage, medical expense and uninsured/underinsured motorist.

Anchor General’s website says the insurer offers liability and physical damage coverage, a collective term for collision and comprehensive insurance. This insurer does not offer policies in any no-fault states, so it may not provide personal injury protection (PIP) coverage.

• Common coverages

  Coverage	Definition
  Collision	Pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage.
  Comprehensive	Covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events.
  Liability for Bodily Injury (BI)	Helps cover medical costs sustained by others in an accident you cause. It’s mandatory in most states.
  Liability for Property Damage (PD)	Helps pay for repairs or replacements of any vehicles or objects you damage. It’s mandatory in most states.
  Personal Injury Protection (PIP)	Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states.
  Medical Expenses (MedPay)	Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states
  Uninsured/Underinsured Motorist (UM/UIM)	Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance or carries insufficient coverage to pay for your costs.

Industry ratings of Anchor General car insurance

Anchor General isn’t rated on many industry reports, including J.D. Power’s consumer satisfaction studies and the CRASH Network’s industry report card. Where it is rated, it has a good deal of room for improvement.

• NAIC

  Anchor General’s private passenger policies had a remarkably high complaint index with the NAIC from 2021 to 2023, meaning the company had many more complaints than expected for a company its size all three years.

  Qualitative rating	3-year consumer complaint index
  High	Above 1.5.
  Moderately high	1 to 1.5.
  About average	Near 1.
  Moderately low	1 to 0.5.
  Low	0.5 to 0.

  The NAIC is the member group for state insurance commissioners in the United States. It makes recommendations, analyzes insurer financial filings, maintains reporting and more for insurance regulators.

• AM Best

  Anchor General has a financial strength rating of B+ with AM Best, meaning it has a good ability to pay out claims. This is somewhat low compared to other insurers. The highest rating an insurance company can achieve is A++.
  

  AM Best is a credit rating agency that specializes in insurers’ ability to meet their financial obligations.

Customer reviews of Anchor General

Hundreds of Jerry customers have used and reviewed Anchor General’s auto insurance products and have given the company a relatively high overall score.

Jerry customer reviews

4.6

314 Reviews

Progressive Reviews

5 Stars

76%

4 Stars

14%

3 Stars

7%

2 Stars

1%

1 Star

2%

How to contact Anchor General

Consumers can contact Anchor General via the form on the company’s website (https://secure3.anchorgeneral.com/contact-us/) or at 800-542-6246. Customer service representatives are available from 8 a.m. to 5 p.m. PST Monday through Friday. 

Methodology

We looked at over 400,000 actual policies quotes from real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation. 

How we rate car insurance companies

Jerry’s team of car insurance expert writers and editors analyze real customer ratings and industry reports to get a holistic view of an insurer’s performance. Our rubric emphasizes the shopping and claims experiences, customer complaints and reviews, repair shops’ evaluations of insurers, policy and quote pricing, and state availability.

We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date.
These individual factors roll up into one weighting system as follows:
20% Financial strength.
20% Complaints.
20% Industry ratings.
20% Customer ratings.
20% Cost and discounts.