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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 Average (yearly) California Average National 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 gather quotes from multiple companies 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.

Company Average 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.

Age bracket Average 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.

Marital Status/Gender Average 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 car 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
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 photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a freelance copywriter for over five years. 

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, BadCredit.orgCar and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.