Anchor General Insurance Review (2026)
Anchor General provides car insurance to customers on the west coast of the United States. The company has affordable rates but doesn’t offer any discounts. However, Anchor General provides the standard coverage options and coverage to risky drivers. Learning more about Anchor General will help you determine if it’s the best option.
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Licensed Agent for 15 Years
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...
Rachael Brennan
Former Auto Insurance Claims Manager
Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.
Chris Harrigan
Updated November 2024
- Anchor General provides the standard types of car insurance
- Anchor General offers coverage to non-standard drivers
- Anchor General has been rated a B by A.M. Best
Anchor General provides car insurance quotes to Arizona, California, Oregon, and Washington motorists. The company offers affordable rates and coverage to non-standard drivers but no discounts. Additionally, Anchor General has been rated a B by A.M. Best.
Understanding more about Anchor General will help you decide if it’s a good choice for you.
Before jumping into this Anchor General review, enter your ZIP code to find free car insurance rates in your area.
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Does Anchor General have competitive rates?
Insurance companies determine the risk of every applicant, and riskier drivers typically experience higher rates. Some of the factors that companies use to assess the risk of drivers include:
- Age
- Gender
- Location
- Driving history
- Credit history
Companies sell coverage individually, so customers can choose which insurance options they want. Buying all standard coverages is called full coverage and is the most expensive option. Minimum coverage is the cheapest plan in most states, consisting of bodily injury and personal damage liability.
Unfortunately, Anchor General doesn’t make their rates readily available. However, looking at the average cost across all companies will help you determine if coverage is affordable. The following chart shows the average annual minimum and full-coverage rates for men based on age.
| Age | Average Annual Minimum Coverage Rates | Average Annual Full Coverage Rates |
|---|---|---|
| 20 | $1,246 | $3,561 |
| 30 | $572 | $1,697 |
| 40 | $545 | $1,589 |
| 50 | $518 | $1,485 |
| 60 | $511 | $1,438 |
The following chart shows the same information for females.
| Age | Average Annual Minimum Coverage Rates | Average Annual Full Coverage Rates |
|---|---|---|
| 20 | $1,125 | $3,127 |
| 30 | $577 | $1,667 |
| 40 | $554 | $1,584 |
| 50 | $522 | $1,474 |
| 60 | $510 | $1.421 |
As you can see, minimum coverage rates are much cheaper than full-coverage rates. Additionally, rates for females are lower than males, and rates, overall, decrease as customers age.
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What coverages are available from Anchor?
Insurance companies offer different car insurance options. Some of the cheapest companies keep rates low by providing less coverage. However, buying more coverage offers enough protection to ensure coverage for any situation.
Examining a company’s offerings will help you determine if they offer the protection you need. The following table shows the standard coverages provided by Anchor General and the purpose of each type of coverage.
| Auto Insurance Types | Purpose of Coverage |
|---|---|
| Bodily injury liability | Pays for medical bills if someone else suffers an injury in an accident caused by you. |
| Collision | Covers damage to your car after an accident. |
| Comprehensive | Covers damage to your car when you’re not driving. |
| Property damage liability | Liability coverage that covers the cost of any property damage you’ve caused in an accident. |
| Uninsured/underinsured motorist | Covers the costs if you’re in an accident caused by a driver with little or no car insurance. |
As previously mentioned, Anchor General sells coverage individually. As a result, the more protection you include in your policy, the higher your rates.
What discounts are offered by Anchor General?
Drivers with a poor driving history or a poor credit history can find rates challenging to afford. To offset these high prices, most car insurance companies provide discounts. These savings opportunities depend on several factors, including:
- Driving history
- Policy specifics
- Schooling
Anchor General doesn’t provide a list of discounts, but you still might find ways to save. When speaking with a representative about buying coverage, asking about all available discounts will help you find the best possible rates.
How is Anchor Insurance rated?
Credit rating agencies regularly review insurance companies and rate them on their financial strength. These ratings allow customers to determine the likelihood of receiving a payout when they file claims.
Anchor General is rated a B by A.M. Best, the most trusted rating agency. This rating is considered fair but is lower on the scale. The grade indicates that customers might have trouble receiving a payout in some situations.
The Better Business Bureau (BBB) has also rated Anchor General based on its business practices. The BBB has rated Anchor General an A+, indicating that the company is trustworthy and transparent when working with customers.
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Does Anchor General have any complaints?
The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) study complaints made about insurance companies. Looking through these complaint reviews will help you determine Anchor General’s quality of service.
At the time of this review, the BBB has received 28 complaints about Anchor General during the last three years. Most of these complaints are about the company’s products and services.
The NAIC lists Anchor General as having 23 complaints and a complaint index ratio of 11.92. These numbers indicate that the company has far more complaints than a similarly-sized company.
How can you file Anchor Insurance claims?
Customers can make Anchor General Insurance claims by phone or email. Most insurance companies allow customers to file claims through a customer portal on the website, but Anchor General doesn’t provide this option.
Customers that prefer to file by phone can call 800-542-6246 and follow the automated menu to report a new claim. Representatives are available Monday through Friday from 8 a.m. to 5 p.m. (PST).
Those that prefer to file by email can reach the Anchor General Insurance address at claims@anchorgeneral.com. In this process, a representative will respond to your email to ask for further details about your claim.
Regardless of how you file, you can track your claim’s status by phone. After calling the claims number, follow the automated menu to existing claims. If you know the claim examiner assigned to your claim, you can contact them directly if you know their extension.
How can you make Anchor General payments?
While most insurance companies offer multiple ways to make payments, Anchor General customers can only make payments online. However, this is usually the most convenient method for customers.
Policyholders can make online payments by using their login information to access the payment portal on the Anchor General website. Payments can be made by:
- Credit card
- Debit card
- Checking account
Additionally, the company allows customers to sign up for text or email reminders, which will remind you when your next payment is due.
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How can you contact Anchor General?
Customers interested in information about Anchor General can reach the company by mail, phone, or fax. Those looking to speak with a customer service representative or underwriting specialist can call 800-542-6246.
If you need to send information to the company, you’ll need to contact them by mail. Customers can mail correspondence to the Anchor General San Diego address at:
P.O. Box 509020
San Diego, California, 92150-9020
Additionally, you can send information to the company by fax at 858-527-3740.
What are the pros and cons of Anchor General?
All insurance companies have positives and negatives. Weighing the pros and cons of Anchor General will help you decide if the company is a good option for your car insurance needs.
The positives of Anchor General include:
- Easy online bill pay
- Bilingual customer service
- Works with non-standard drivers
Negatives of Anchor General include:
- Only available in four states
- Lack of online information
Anchor General is best for high-risk drivers finding car insurance difficult to afford. However, the company is only available on the west coast and Arizona.
Anchor General: The Bottom Line
Anchor General provides car insurance to Arizona, California, Oregon, and Washington drivers. Unfortunately, the company doesn’t list any discounts online and is rated a B by A.M. Best. However, contacting the company can help you find additional savings.
Knowing more about Anchor General will help you decide if the company is the right choice for you.
Now that you know about Anchor General, enter your ZIP code to get free car insurance quotes in your area.
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