Anchor General Car Insurance Review (2022)

Anchor General is a small auto insurance company that specializes in high-risk insurance customers, especially those who have to carry an SR-22 certificate. Although the company has a B rating from A.M. Best, they have implemented strategies to improve their financial strength score. This company offers basic insurance at very low rates compared to its competitors.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Anchor General Insurance Company specializes in insuring high-risk drivers and SR-22 certificate holders
  • Anchor General has been in business since 1987 and operates out of San Diego, CA
  • Sources suggest that Anchor General insurance rates range from $120 to $200 per month 
  • A.M. Best has given Anchor General a rating of B

Anchor General Insurance company specializes in insuring high-risk drivers. If you are a high-risk driver, you may have found that it is very difficult to find a car insurance company that will provide you coverage. Anchor General may be the right insurance company to insure you and get you back on the road.

As you have been researching Anchor General, you may have found that information about this company is difficult to come by. This comprehensive review of Anchor General Car Insurance aims to give you the information you are looking for, including contact and claim information.

If you are looking to find cheap auto insurance in your area, you can use our car insurance tool to compare car insurance rates by entering your ZIP code.

About Anchor General Car Insurance

Anchor General is an insurance company founded in 1987. The company operates out of San Diego, CA and used to operate under the name, “Western Family Insurance Company”.

Anchor General provides insurance coverage for only three states:

  • California
  • Arizona
  • Texas

Anchor General is not your typical car insurance company and is mostly sought out by people with poor driving records. These records may include multiple DUIs, accidents, and traffic infractions. Anchor General is a small company and does not have online tools and information available like the larger insurance companies.

If you are having difficulty obtaining insurance because of a poor driving record, then this company could be a good choice for you.

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Types of Insurance Available by Anchor General

Anchor General offers basic vehicle insurance to its customers, such as liability car insurance, collision coverage, and comprehensive coverage. Anchor General also offers insurance upgrades at a higher expense, such as personal injury protection, and uninsured/under-insured motorist coverage.

The primary reason customers sign up with Anchor General Car Insurance is for their high-risk car insurance, including SR-22 coverage.

SR-22 Auto Insurance Coverage

SR-22 coverage is a certificate of financial responsibility. The SR-22 is not vehicle insurance in itself, rather, it is a document that proves you possess car insurance liability coverage.

You are required by the state to have an SR-22 certificate if you have had multiple traffic infractions, were caught driving without a license, have had multiple DUIs, or several accidents.

Requiring an SR-22 is not typical and is not covered by many auto insurance companies. This is where Anchor General steps in as a viable option to get you insured and on the road again.

A.M. Best Financial Strength Rating

A.M. Best provides credit ratings and financial data services for the auto insurance industry. A.M. Best has found that the financial strength outlook of General Anchor is positive and gives it a BB+ (fair) rating. Anchor General’s balance sheet strength has adequate performance and has increased in strength in recent years.

The reason Anchor General has had an increase in ratings is due to corrective measures and aggressive risk mitigation initiatives. These strategies have improved underwriting results for the company.

Although Anchor General rates as fair, this is a very good rating for a company that specializes in high-risk auto insurance.

Automobile Complaint Composite Report

The California Department of Insurance releases a complaint report about the top insurance companies offered in the state. Most of Anchor General’s customers are in California, so this report gives a pretty accurate depiction of how many complaints have been filed against the company.

On a scale of 0 to 20, Anchor General Insurance Company had only two justified complaints in 2020. This is down from 7 the year before. This is a lower than average complaint count for vehicle insurance in California.

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Anchor General Car Insurance Customer Reviews

When you start searching for customer reviews online about Anchor General Car Insurance, you will find there are a lot of negative reviews.

Many customers complain about poor customer service, difficulty in claims processing, and lack of online tools. There are also complaints that Anchor General provides low coverage estimates for accidents. They have been reported to be slow to send adjusters to evaluate damages.

High-risk insurance companies tend to not fare well with online reviews. Most high-risk companies accrue lots of negative reviews, as people tend to leave reviews when they have bad experiences.

Anchor General Insurance Company does have an A+ rating with the Better Business Bureau and has accreditation with them since 2019.

Anchor General Insurance Discounts

Anchor General does offer discounts for customers with a multi-car policy and discounts for senior drivers. There are not many discounts available, as Anchor General mainly specializes in offering insurance coverage to high-risk drivers.

How to File a Claim With Anchor General Car Insurance

Unlike larger insurance companies, in order to file a claim, you will have to call the insurance company directly. There is no online claim portal or phone application. The company holds regular office hours from Monday to Friday, 8am to 5pm, PST. You will have to call within those hours to make a claim, or leave a message. Anchor General is not open on the weekends.

The phone number to file a claim is (800) 542-6246. You can also contact them through their online email portal.

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Anchor General Car Insurance Costs

Anchor General offers cheap car insurance rates for high-risk drivers. This is why so many customers choose to sign up for their coverage.

Customers requiring an SR-22 may have trouble finding vehicle insurance. After getting several quotes, customers find that Anchor General offers one of the cheapest options among carriers. Their monthly rates are affordable for high-risk drivers who are looking for the bare minimum coverage to get back on the roads legally.

The low end for basic coverage starts around $120 per month. Although this seems expensive, it is one of the lowest prices available for high-risk drivers. There are various factors that can increase this cost, such as age of the driver and credit score.

Policyholders have numerous options on how to pay their premiums. The company offers a basic online payment portal system in which a credit card can be used. You can also pay by phone, email, and EFT.

Anchor General Car Insurance Review: The Bottom Line

Anchor General Insurance Company is for high-risk drivers that may not be able to find insurance with other companies. Their rates are some of the lowest among their competitors, and they offer many insurance options.

Do not expect any bells and whistles from this company. Their online portal is basic, the information about them online is limited, and they are only available during business hours.

The company is in good financial standing and has fair financial strength as they have optimized their financial strategy over the past several years. Although they have had some justified complaints, their complaint ratio is better than average.

Customer reviews skew toward the negative side for Anchor General, as to be expected with any high-risk auto insurance company.

If you are a high-risk driver and are looking for immediate car insurance quotes, you can use our online quote tool and get started immediately by entering in your ZIP code.

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