Garden Grove Car Insurance

The Zebra
May 30, 2018

Car Insurance in Garden Grove

On average, premiums in California are 20% higher than the national average. Premiums run even higher in the city, so it is vital to cut costs while insuring a vehicle in Garden Grove. Keep some money in your pocket by following the tips below about how to save on car insurance in Garden Grove.

  • City Average: $1,814
  • State Average: $1,713
  • National Average: $1,427

Garden Grove Car Insurance by Age

The biggest decline in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Garden Grove start saving 61%. Rates in Garden Grove continue to trend downward up until drivers hit 70. Everybody loves to save money, and luckily for drivers in their 60s, they do just that! They have the smallest payments among any age group, with rates of $1,568 per year. Those in their 50s ($1,605) aren’t paying significantly more. Teenage drivers have the highest rates of any age group. They have typical car insurance payments of $6,757 per year.

  • Teenagers: $6,757
  • 20s: $2,646
  • 30s: $1,783
  • 40s: $1,729
  • 50s: $1,605
  • 60s: $1,568
  • 70s: $1,753

Garden Grove Car Insurance by Accident or Violation History

Do you have an accident or violation on your driving record? That can cost you in terms of premiums. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. $3,329 is the extra cost per year for drivers with a DUI or reckless driving charge in Garden Grove, compared to the city average of $1,814. $1,015 is, on average, the additional cost for car insurance in Garden Grove if you have an at-fault accident on your driving record.

  • DUI: $5,143
  • Reckless Driving: $5,143
  • At-fault Accident (damages less than $1000): $2,829
  • At-fault Accident (damages greater than $2000): $2,829
  • Speeding Ticket (16-20 mph over speed limit): $2,456

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Garden Grove Car Insurance by Gender and Marital Status

Numerous driver attributes, including marital status and gender, can have an effect on car insurance premiums in Garden Grove. However, females have premiums that are only a little more expensive than those for males. Those who are single spend an average of 4% more per year on car insurance compared to those who are married. Rates for those who are widowed are moderately cheaper than rates for those who are single.

  • Female: $1,823
  • Male: $1,814
  • Single: $1,814
  • Married: $1,737
  • Divorced: $1,814
  • Widowed: $1,744

* Credit score, while used in other states, is considered discriminatory in California and thus is not used as a rating factor when companies determine how much you'll pay for auto insurance.