Garden Grove, CA Car Insurance

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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What is the average cost of car insurance in Garden Grove?

 

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 AUTO INSURANCE PREMIUMS
Garden Grove Average (yearly)California AverageNational Average
$2,004$1,868$1,548
 
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Garden Grove car insurance rates by company

 

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.

 
GARDEN GROVE AUTO INSURANCE RATES BY COMPANY
CompanyAverage Rate (annual)
GEICO$1,306
Mercury$1,622
AAA$1,824
Infinity$2,040
Alliance$2,046
 

Learn how to find the best cheap car insurance. 

 

Garden Grove car insurance premiums by age

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.

 
GARDEN GROVE AUTO INSURANCE COSTS BY AGE
Age bracketAverage Yearly Rate
Teenagers$7,360
20s$2,952
30s$1,951
40s$1,890
50s$1,804
60s$1,797
70s$2,098
 

Learn more about the impact of age on auto insurance rates.

 

Garden Grove car insurance rates by gender and marital status

 

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.

 
GARDEN GROVE AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$2,009
Male$2,004
Single$1,920
Married$1,920
Divorced$2,004
Widowed$1,951
 

Learn more about the impact gender and marital status have on insurance rates.

 

Garden Grove car insurance premiums by citation and accident history

 

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.

 
AVERAGE GARDEN GROVE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Annual Rate
DWI/DUI$5,315
Reckless Driving$5,422
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
 

Learn more about how citations can raise your auto insurance rates.

 

Garden Grove auto insurance rates by credit score

 

California is one of the few U.S. states that does not allow auto insurance companies to rate premiums based on credit score. 

Learn more about how credit score interacts with auto insurance rates in most states.

 
 

 

Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including BestCompany.com and USInsuranceAgents.com.