Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Mar 8, 2022

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The Short of It

  • Anchor General is headquartered in San Diego, California, and sells nonstandard auto insurance policies
  • You must live in Arizona, California, or Texas to buy high-risk insurance from this company
  • All policies issued by Anchor General are managed by Anchor General Insurance Agency, Inc.

Anchor General Insurance Agency sells nonstandard auto insurance policies to high-risk drivers living in Arizona, California, or Texas. Anchor General Insurance Agency, Inc., a program administrator, manages all policies underwritten by Anchor General.

This company believes that all drivers deserve affordable auto insurance coverage, regardless of your age, license status, driving record, or credit rating. While you cannot request quotes for Anchor General online, you can call the company to connect with your nearest local agent.

Continue reading this Anchor General auto insurance review to compare financial and customer evaluations, the claims process, discounts, and more, and to determine if this is the right car insurance company for you.

What is Anchor General?

Anchor General Insurance Agency is headquartered in San Diego, California, and sells nonstandard auto insurance policies. Specifically, this company sells liability and physical damage coverage in Arizona, California, and Texas, with plans to expand to other locations in the future.

Anchor General provides affordable policies for high-risk drivers, including people with no license, unfavorable driving histories, poor credit, and DUI infractions — or multiple traffic citations — on their record.

Anchor General auto insurance policies are managed by Anchor General Insurance Agency Inc., which the website refers to as a program administrator. However, the Texas policies appear to be managed by Anchor General Insurance Agency of Texas, Inc.

Typically, this company sells policies that meet the minimum requirements in the three states where it operates.

Review the table below to view the legally mandated auto insurance levels in Arizona, California, and Texas.

Auto Insurance Requirements by State
StateMinimum Legal Auto Insurance Requirements
Arizona$25,000 per person and $50,000 per incident in bodily injury liability coverage
$15,000 per incident in property damage liability coverage
California$15,000 per person and $30,000 per incident in bodily injury liability coverage
$5,000 per incident in property damage liability coverage
Limits for low-income drivers in the California Automobile Assigned Risk Plan are 10/20/3
Texas$30,000 per person and $60,000 per incident in property damage liability coverage
$25,000 per incident in property damage liability coverage.
Insurance companies must also offer personal injury protection (PIP), which drivers can deny
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For auto insurance coverage options, this company offers liability, collision, and comprehensive insurance. Uninsured and underinsured motorist coverage is also available.

Because this is a nonstandard insurance company, there aren’t many optional policy add-ons beyond the basic coverages. This company does not offer features like roadside assistance or rental car reimbursement policies. There is also no Anchor General mobile app.

However, customers can create logins using the “Insured Payment Portal” available on the company website.

Users log in utilizing an email address and a chosen password. Once inside the portal, you can pay your bill and access policy information. Consumers can also pay bills by calling the company directly. However, you cannot file claims or manage your policy online.

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How do you request Anchor General auto insurance quotes?

All Anchor General insurance policies are sold through brokers or agents.

Unlike many other auto insurance companies, there are no online quote tools available on the Anchor General website.

Interested customers must call the Anchor General customer service phone number at 800-542-6246 to request quotes. After providing some personal information, you’ll be connected with the Anchor General agents closest to you.

If you elect to use Anchor General for coverage, keep the customer service phone number handy.

This company does not have a mobile app, and the online customer portal is primarily used to pay your bill. You must call that number to request quotes, make policy changes, and file and track claims.

What are the average Anchor General auto insurance rates?

Anchor General auto insurance rates are not publicly available. The information provided on the company website is limited, and there is no online quote tool. To view rates for this company, you must contact your local Anchor General broker or agent.

You can also compare your Anchor General quote to the average cost of auto insurance in the state where you live.

The table below reveals the average annual auto insurance expenditures in the three states where Anchor General operates, as reported by the Insurance Information Institute (III).

Average Annual Auto Insurance Expenditures by State
StateAverage Annual Auto Insurance Expenditures
Arizona$1,046.40
California$1,034.05
Texas$1,152.25
National average$1,056.55
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Auto insurance pricing varies based on your driving record, age, coverage needs, ZIP code, and the make and model of your vehicle. If you’re seeking nonstandard auto insurance companies because you cannot secure coverage from a traditional company, expect your rates to cost more than average.

High-risk drivers typically pay 65% more for car insurance than safer drivers.

High-risk insurance costs $342 per month or $4,104 annually on average.

To mitigate these higher rates, take the time to compare quotes from multiple top auto insurance companies online and select the policy that fits your budget without compromising your coverage requirements.

How do you file Anchor General auto insurance claims?

To file an auto insurance claim with Anchor General, you must call 800-542-6246 and follow the menu to ‘”Report New Claim.”

The company requests that you have your policy number ready to share.

A representative then helps you submit the claim, which can be tracked by calling the same phone number and following the menu to “Existing Claim.” Request the extension number for the claims examiner assigned to your case for more accessible communication throughout the process.

The claims office is only available Monday through Friday from 8:00 a.m. to 5:00 p.m. (PST).

Unfortunately, many actual customers poorly rate the claims process with Anchor General. People mention unresponsive claims adjusters even during operational business hours. Keep these experiences in mind while considering this company for coverage.

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Does Anchor General offer any auto insurance discounts?

The Anchor General insurance company website is minimal and does not mention auto insurance discounts.

However, it does not necessarily indicate that there are no savings opportunities available.

To determine if you can earn a discount on Anchor General auto policies, we recommend asking the agent you connect with about any available rate reductions. Other sources suggest that Anchor General offers a multi-car and senior driver discount to motorists, but availability varies depending on where you reside.

The company also accepts multiple payment options, including online payments, monthly electronic funds transfers (EFT), phone payments, and more.

How are the Anchor General ratings and reviews?

Examining the financial evaluations and customer reviews for Anchor General helps you determine if this nonstandard insurance company is reliable and efficient before purchasing an actual policy.

Unfortunately, A.M. Best has not recently evaluated Anchor General.

But in 2021, the credit rating agency published a press release revising the outlook for this company from stable to positive and affirmed the financial strength rating (FSR) of B.

How do customers rate their experience using Anchor General?

According to the National Association of Insurance Commissioners (NAIC), Anchor General currently has a complaint index ratio of 11.92, which is substantially higher than the median of 1.00. This indicates that the company received nearly 12 times as many consumer complaints as the median.

Anchor General is not accredited by the Better Business Bureau (BBB) but received an A+ score, which means that the BBB believes the company interacts positively with its customers.

However, users rated it only 1 out of 5 possible stars. Many online reviews mention poor or rude customer service interactions. Other people struggle to contact the company even during operational business hours. Many people also share issues they experienced when filing and tracking claims.

Inexpensive rates are not the only factor that makes a car insurance company suitable.

You also want an insurer that is responsive, helpful, and reliable. As you shop around for your best auto insurance coverage, keep these Anchor General financial scores and customer experiences in mind.

What is the history of Anchor General?

The Anchor General history is somewhat challenging to untangle. Not all sources agree on Anchor General’s background and origins. Some sources suggest that it was founded in 1987, while the LinkedIn page states that it was incorporated in 1995. The website, however, does not mention a founding date.

Regardless, all sources seem to agree that the company is headquartered in San Diego, California.

From the outset, this company focused on nonstandard coverage. It operates in Arizona, California, and Texas, although Texas policies may be affiliated with the Anchor General Insurance Agency of Texas, Inc. A few sources indicate that Anchor General operates in Oregon, but the website does not mention policies in that state.

However, the company does plan to expand to additional locations in the future.

All Anchor General policies are managed by the program administrator, Anchor General Insurance Agency, Inc., which also has other subsidiaries operating in additional states, including Washington.

The LinkedIn profile for this privately held company mentions that it has between 201 to 500 employees. And the current president and CEO of Anchor General is Abe Badani.

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Anchor General: The Bottom Line

If you live in Arizona, California, or Texas and struggle to secure auto insurance coverage, consider Anchor General Insurance Agency. This company covers drivers with any background, and many online reviews suggest that rates are fair for high-risk drivers.

But understand that you will not have access to a mobile app and the online user portal is very limited.

Rather than make policy changes or file claims, you can only use it to view policy details and pay your bill. All other services must be conducted by calling the company directly or talking with your local Anchor General insurance agent.

Because many online reviews indicate that the customer service team is often unresponsive or unavailable, this could be an inconvenience for many drivers.

Your coverage options are also minimal, as Anchor General specializes in underwriting basic policies built to meet your state’s insurance requirements.

So consider comparing quotes from some of the other leading auto insurance companies to verify that you’re securing your best possible rates without sacrificing any of your coverage needs.