Car insurance costs an average of $167 per month in Garden Grove. If you're paying too much, compare quotes today.
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The average car insurance rate in Garden Grove, California, is $2,004 per year. That's greater than than the statewide average in California ($1,868) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score and other factors in Garden Grove.
|Garden Grove Average (yearly)||California Average||National Average|
The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical driver, GEICO offers Garden Grove's cheapest rates. We've listed the best cheap car insurance companies in Garden Grove below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
The age group that pays the least for car insurance in Garden Grove are drivers in their 60s ($1,797 per year). Rates for Garden Grove drivers in their 50s are also relatively affordable, at just $1,804 per year.
Teenage drivers pay Garden Grove's most expensive car insurance rates. When Garden Grove drivers hit their 20s, their insurance rates drop substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Garden Grove is $4,408. That's the biggest gap in premiums between any pair of age brackets.
|Age bracket||Average Yearly Rate|
Marital status and gender can be contributors to car insurance rates, in some cases. In most locations in the U.S., single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Garden Grove pay $84 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Garden Grove, single drivers pay more than those who are widowed.
Another component of auto insurance pricing is gender. In Garden Grove, female drivers pay $5 per year more than do male drivers.
|Marital Status/Gender||Average Yearly Rate|
No matter where you live, avoiding accidents and citations is the best way to keep your auto insurance rates low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Two of the most costly citations to receive are DUI and reckless driving. Garden Grove drivers found guilty of reckless driving face insurance rate increases of $3,419 per year, compared to the citywide average. A DUI violation may lead to a $3,311 increase, while a citation for speeding leads to an $816 rate hike.
|Violation/Incident||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$2,012|
|At-fault Accident (damages greater than $2,000)||$3,516|
|Speeding Ticket (16-20 mph over speed limit)||$2,819|
California is one of the few U.S. states that does not allow auto insurance companies to rate premiums based on credit score.
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.