Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 9, 2022

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Just the Basics

  • Anchor General only provides car insurance in three states
  • You can’t file an Anchor General insurance claim online
  • You can lower your rates by driving safely

High-risk drivers can have a difficult time shopping for insurance. Many insurance companies will flat-out refuse to provide insurance coverage to some high-risk drivers, but that’s where Anchor General comes in. If you have a checkered driving history or a poor credit score, Anchor General may be able to help you get the coverage you need to get back out on the road.

Keep reading this car insurance guide to learn more about Anchor General and how you can lower your car insurance rates.

What is Anchor General?

Founded in 1987, Anchor General Insurance Company provides non-standard car insurance to drivers located in these three states:

  • California
  • Arizona
  • Texas

Since Anchor General focuses on providing non-standard insurance policies, high-risk drivers are more likely to seek this company’s services. The Anchor General website is sparse, and while no Anchor General Insurance address is shared, you can call the customer service line during the week at 800-542-6246. You can also send in a note via the website’s email form if you want more information.

Thankfully, finding the phone number for the Anchor General insurance claims department is relatively simple. If you need to file a claim, you can call the number listed above Monday-Friday during regular business hours. Although there is no mobile app for this company, you can use your Anchor General login information to view your policy online or make an online payment. However, it is important to note that you can’t file a claim online.

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What coverages does Anchor General offer?

Anchor General only offers car insurance products, and you can purchase liability-only or full coverage insurance through this company. If you’re not sure what the minimum insurance requirements are in your state, you can review them here:

Minimum Liability Coverage Requirements by State

StateType of Insurance RequiredMinimum Coverage Amount
AlaskaBodily injury liability$50,000 per person
$100,000 per accident
Property damage liability$25,000 minimum
ArizonaBodily injury liabilityMinimum $15,000 per person and $30,000 per accident
Property damage liabilityMinimum $10,000
Uninsured motorist
Bodily injury
Minimum $15,000 per person and $30,000 per accident
Uninsured motorist
Property damage
Minimum $10,000
ArkansasBodily injury$25,000 per person /$50,000 per accident
Property damage liability$25,000 per accident
CaliforniaBodily injury or death of one person in an accident caused by the owner of the insured vehicle$15,000
Total bodily injury or death in an accident caused by the owner of the insured vehicle$30,000
Property damage per accident caused by the owner of the insured vehicle$5,000
ColoradoDeath or injury of one person$25,000
Death or injury of more than one person$50,000
Property damage liability$15,000
ConnecticutBodily injury or death of one person in an accident caused by the owner of the insured vehicle$25,000
Total bodily injury or death in an accident caused by the owner of the insured vehicle$50,000
Property damage per accident caused by the owner of the insured vehicle$25,000
DelawarePersonal injury protection (PIP)$15,000 per person
$30,000 per occurrence
$5,000 in funeral services coverage
Bodily injury or death of one person in an accident caused by the owner of the insured vehicle$25,000
Total bodily injury or death in an accident caused by the owner of the insured vehicle$50,000
Property damage per accident caused by the owner of the insured vehicle$10,000
FloridaPersonal injury protection (PIP)$10,000 Personal Injury Protection (PIP)
Property damage liability$10,000 Property Damage Liability (PDL)
GeorgiaBodily injury liability$25,000 per person and $50,000 per accident
Property damage liability$25,000 per accident
Uninsured motorist
Bodily injury
$25,000 per person and $50,000 per accident
Uninsured motorist
Property damage
$25,000 with a $250, $500, or $1000 deductible
HawaiiBodily injury liability$20,000 per person
$40,000 per accident
Property damage liability$10,000 minimum
PIP/"No-fault" coverage$10,000 minimum
IdahoBodily injury or death per person resulting from an accident you cause$25,000
Total bodily injury or death liability resulting from an accident you cause$50,000
Property damage per accident resulting from a collision you cause$15,000
IndianaBodily injury liability$25,000 per person
$50,000 per accident
Uninsured motorist$25,000 per person
$50,000 per accident
Property damage liability$25,000 minimum
Underinsured motorist$50,000 minimum
IowaInjuries of one person$20,000
Injuries of more than one person$40,000
Property damage liability$15,000
KansasInjury or death per person in an accident caused by you$25,000
Total injuries or the death per accident the insured caused by you$50,000
Property damage in an accident the insured driver caused by you$25,000
Uninsured/underinsured motorist$25,000 per person
$50,000 per accident
KentuckyBodily injury liability for one person$25,000
Bodily injury liability total for an accident$50,000
Property damage liability$25,000
Personal injury protection (PIP)$10,000
LouisianaInjury/death per person$15,000
Injuries or death per accident$30,000
Property damage per accident$25,000
MaineDeath or injury per person$50,000
Total death or injury per accident$100,000
Property damage per accident$25,000
Uninsured/underinsured motoristN/A
MedpayN/A
MarylandBodily injury liability of one person$30,000
Bodily injury liability two or more people$60,000
Property damage liability$15,000
MassachusettsBodily injury liability$20,000 per one person
$40,000 total per accident
Property damage liability$5,000 per accident
No-fault personal injury$8,000
Uninsured motorist$20,000 per one person
$40,000 per accident
MichiganPersonal injury protection (PIP)$50,000 (for drivers enrolled in Medicaid)
$250,000 all others
Personal property protection (PPI)$1 million
Bodily injury liability$50,000 per person
$100,000 per incident
Property damage liability$10,000 per incident
MinnesotaPersonal injury protection (PIP)$40,000 per person per accident. ($20,000 for medical expenses and $20,000 for non-medical expenses)
Bodily injury liability$30,000 per person
$60,000 for two or more people (per incident)
Property damage liability$10,000
Uninsured motorist
Bodily injury
$25,000 per person
$50,000 for two or more people (per incident)
Underinsured motorist
Bodily injury
$25,000 per person
$50,000 for two or more people (per incident)
MississippiBodily injury per person$20,000
Total bodily injury per accident$40,000
Property damage per accident$10,000
MissouriInjury or death per person in an accident you caused$25,000
Total injuries or death per accident you caused$50,000
Property damage per accident you caused$10,000
Uninsured motorist$25,000 in bodily injury per person
$50,000 in bodily injury per accident
MontanaInjury or death of one person in an accident you caused$25,000
Total injuries or death of more than one person in an accident you caused$50,000
Property damage in an accident you caused$20,000
NebraskaInjury or death per person in an accident you caused$25,000
Total injuries or death per accident you caused$50,000
Property damage per accident you caused$25,000
Uninsured/underinsured motorist$25,000 to cover your own injury per person
$50,000 to cover total injuries or death per accident
NevadaBodily injury or death of any individual resulting from an accident the vehicle owner/driver causes$25,000 per person
Total bodily injury or death liability resulting from an accident the vehicle owner/driver causes$50,000 per accident
Total property damage resulting from an accident the vehicle owner/driver causes$20,000 per accident
New Hampshire
(Drivers aren't technically required to carry insurance)
Bodily injury or death of one person in an accident caused by the owner of the insured vehicle$25,000
Total bodily injury or death in an accident caused by the owner of the insured vehicle$50,000
Property damage per accident caused by the owner of the insured vehicle$25,000
Medpay$1,000 to cover medical expenses after a crash
Uninsured/underinsured motoristSame amount of coverage as liability
New JerseyBodily injuryNone required, but optional starting at a minimum of $10,000 per person and $10,000 per accident
Property damage liability$5,000
Personal injury protection (PIP)$15,000 per person, per accident
Up to $250,000 for brain and spinal cord injuries
New MexicoInjuries to one person in an accident$25,000
Injuries to all people in an accident$50,000
Property damages caused by an accident$10,000
New YorkPersonal injury liability$25,000 per person with a maximum of $50,000 per accident
Liability coverage for death$50,000 per person with a maximum of $100,000 per accident
Property damage liability$10,000 per accident
Personal injury protection (PIP)$50,000 per person
Uninsured motorists$25,000 per person with a maximum of $50,000 per accident
North CarolinaInjuries to one person$30,000
Injuries to more than one person$60,000
Property damage liability$25,000
North DakotaBodily injury liability$25,000 per person
$50,000 per accident
Property damage liability$25,000
OhioBodily injury liability$25,000 per person
$50,000 per incident
Property damage liability$25,000
OklahomaInjury or death of a single person$25,000
Injury or death of more than one person$50,000
Damage to personal property$25,000
OregonInjuries of ONE person$25,000
Injuries of MORE THAN ONE person$50,000
Property damages$20,000
Personal injury protection (also known as Medical Payments/MedPay)$15,000
Uninsured motor$25,000 per person and $50,000 per total accident
PennsylvaniaMedical benefits coverage (also known as First-Party Benefits), a form of personal injury protection, to cover medical expenses for yourself or others, regardless of fault$5,000
Liability insurance to cover medical costs for injuries to one person, capped at $30,000 per accident$15,000
Property damage if you’re at fault$5,000
Rhode IslandBodily injury coverage to cover the injuries of just one person$25,000
Injuries of more than one person$50,000
Property damaged in a car accident$25,000
Uninsured/underinsured motorist$25,000
South CarolinaBodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle$25,000
Total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle$50,000
Property damage per accident caused by the owner/driver of the insured vehicle$25,000
South DakotaBodily injury liability coverage per person to cover the costs associated with the injury or death of an individual as the result of an accident you cause$25,000
Bodily injury liability coverage per accident to cover the costs associated with the total bodily injury or death liability resulting from an accident you cause$50,000
Property damage liability coverage to cover the costs associated with property damages incurred by another individual or individuals resulting from an accident you cause$25,000
Uninsured/underinsured motoristSame amount of coverage as liability
TennesseeBodily injury or death of an individual resulting from an accident you cause$25,000
Total bodily injury or death liability resulting from an accident you cause$50,000
Property damage liability coverage to cover the total costs of another party or party’s property damage resulting from an accident you cause$15,000
TexasBodily injury liability$30,000 per person
$60,000 per accident
Property damage liability$25,000
UtahInjury or death to any one person in an accident$26,000
Injury or death to two or more people in an accident$65,000
Damage to property in an accident$15,000
PIP coverage per person$3,000
VermontDeath or injury of one person$25,000
Death or injury of more than one person$50,000
Property damage liability$10,000
VirginaDeath or injury of one person$25,000
Death or injury of more than one person$50,000
Property damage liability$20,000
WashingtonBodily injury liability$25,000 per one person
$50,000 total per accident
Property damage liability$10,000 per accident
West VirginaBodily injury or death of one person in an accident caused by the owner of the insured vehicle$25,000
Total bodily injury or death in an accident caused by the owner of the insured vehicle$50,000
Property damage per accident caused by the owner of the insured vehicle$20,000
WisconsinBodily injury or death of one person in an accident caused by the owner of the insured vehicle$25,000
Total bodily injury or death in an accident caused by the owner of the insured vehicle$50,000
Property damage per accident caused by the owner of the insured vehicle$10,000
Injury to one person for both Uninsured/Underinsured Motorists$25,000
Injury to more than one person for both Uninsured/Underinsured Motorists$50,000
WyomingBodily injuries/death of ONE person$25,000
Bodily injuries/death of MULTIPLE people$50,000
Property damage$20,000
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You’ll need to reach out directly to the company to find out what you may pay for an Anchor General insurance policy because sample rate information isn’t made available online. Since Anchor General provides non-standard insurance policies, you can expect the rates to be a bit higher, but you can take steps to lower your rates.

If you have a low credit score, increasing it can help you secure lower rates over time. Insurance companies use your credit score as a tool to evaluate your risk. The higher your score, the lower your rates could become. You can also work to improve your driving habits.

Following safe driving practices can help you improve your driving history and prove to insurance companies that you are a low-risk driver who deserves lower rates. Some of these practices include not using your cell phone while operating your vehicle and not running through red lights.

Is Anchor General highly rated?

While the Better Business Bureau (BBB) has awarded Anchor General an A+ rating, this company doesn’t have a stellar rating for its financial strength. A.M. Best only gave Anchor General a B rating.

If you are looking for a company that has excellent financial ratings, you may be interested in some of the companies listed below:

CompanyAM Best RatingDirect Premiums Written
(in billions)
Market Share
(in percent)
Loss Ratio
(in percent)
AllstateA+ (Superior)22.7 (↑)9.19 (↓)56 (↓)
American FamilyA (Excellent)4.7 (↑)1.9 (↑)69 (~)
FarmersA (Excellent)10.5 (↑)4.26 (↓)61 (~)
GeicoA++ (Superior)33.1 (↑)13.41 (↑)71 (~)
Liberty MutualA (Excellent)11.8 (↑)4.77 (↓)62 (~)
NationwideA+ (Superior)6.7 (↓)2.73 (↓)58 (↓)
ProgressiveA+ (Superior)27.1 (↑)10.97 (↑)62 (~)
State FarmA++ (Superior)41.9 (↑)17.01 (↓)63 (↓)
TravelersA++ (Superior)4.7 (↑)1.9 (↑)60 (~)
USAA
(Military &
Family Members)
A++ (Superior)14.5 (↑)5.87 (↑)77 (~)
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It’s important to know an insurance company’s financial rating because it lets consumers know if the company has the reserves to pay out any vehicle insurance claims that have been filed.

What You Need to Know about Anchor General Insurance

Anchor General can provide high-risk drivers with necessary car insurance. Still, since it doesn’t offer much in the way of customer convenience, drivers may want to shop around before purchasing a policy through this company.

You can shop online for free quotes, and when you do, be sure to request quotes from at least three companies. This simple step will allow you to compare the benefits of each policy and help you find the right one for you.