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 Average||National Average|
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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
|Company||Average Rate (annual)|
Garden Grove car insurance premiums by age
The age group that pays the least for car insurance in Garden Grove are drivers in their age_60s ($1,797per year). Rates for Garden Grove drivers in their age_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 bracket||Average Yearly Rate|
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 US, 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/Gender||Average Yearly Rate|
Garden Grove car insurance premiums by citation and accident history
No matter where you live, steering clear of 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/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|
Garden Grove auto insurance rates by credit score
One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. Garden Grove drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 0% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Garden Grove, improving your credit to "Fair" could help you earn $0 in savings on insurance premiums each year.
GARDEN GROVE CAR INSURANCE RATES BY CREDIT TIER
|Credit Level||Average Annual Rate|