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The cheapest car insurance company for you will depend on your driver profile and needs. GEICO offers the cheapest rates for full and minimum coverage and drivers in the military. Farmers is a good option for teenage drivers, while National General may be the most affordable choice for those with speeding tickets or DUIs. Capital Insurance Group could be the cheapest for those at-fault in an accident. Chubb is the best option for drivers who value top-notch service over cost.

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2023

Cheapest and Best Car Insurance in Garden Grove

Cheapest Minimum Liability Car Insurance in Garden Grove

These are the car insurance companies in Garden Grove offering the lowest rates for minimum coverage:

  • GEICO: $425 per year
  • Progressive: $534 per year

Chubb’s minimum coverage policy is the most expensive, costing $894 annually.

Company
Annual Premium
Monthly Premium

GEICO

$421

$35

GEICO

$425

$35

GEICO

$503

$42

State Farm

$524

$44

Progressive

$534

$45

Progressive

$545

$45

AAA California

$564

$47

AAA California

$588

$49

Mercury

$609

$51

Mercury

$625

$52

Travelers

$632

$53

Travelers

$632

$53

Progressive

$639

$53

Hartford

$649

$54

Capital Insurance Group

$675

$56

Kemper

$684

$57

Farmers

$686

$57

State Farm

$692

$58

Capital Insurance Group

$701

$58

Farmers

$704

$59

Travelers

$721

$60

AAA California

$723

$60

State National

$741

$62

Allstate

$751

$63

Hartford

$751

$63

Allstate

$762

$64

State National

$764

$64

Mercury

$773

$64

Capital Insurance Group

$786

$66

Nationwide

$788

$66

Kemper

$789

$66

State Farm

$790

$66

Farmers

$800

$67

Allstate

$819

$68

Nationwide

$819

$68

National General

$837

$70

National General

$863

$72

Chubb

$894

$74

State National

$902

$75

Chubb

$922

$77

Hartford

$998

$83

Nationwide

$1,031

$86

GEICO

$1,036

$86

National General

$1,037

$86

Kemper

$1,048

$87

GEICO

$1,070

$89

Progressive

$1,161

$97

Progressive

$1,171

$98

State Farm

$1,176

$98

GEICO

$1,238

$103

National General

$1,242

$103

AAA California

$1,247

$104

AAA California

$1,249

$104

National General

$1,264

$105

Allstate

$1,267

$106

Chubb

$1,291

$108

Allstate

$1,330

$111

Hartford

$1,378

$115

Mercury

$1,381

$115

Capital Insurance Group

$1,390

$116

Mercury

$1,400

$117

Progressive

$1,404

$117

Allstate

$1,467

$122

Capital Insurance Group

$1,469

$122

State Farm

$1,512

$126

National General

$1,515

$126

State National

$1,574

$131

Travelers

$1,581

$132

Hartford

$1,596

$133

Nationwide

$1,602

$133

Travelers

$1,643

$137

AAA California

$1,646

$137

Capital Insurance Group

$1,657

$138

Farmers

$1,671

$139

Kemper

$1,674

$140

State National

$1,685

$140

Farmers

$1,704

$142

Nationwide

$1,721

$143

State Farm

$1,765

$147

Mercury

$1,823

$152

Travelers

$1,951

$163

Farmers

$2,017

$168

Kemper

$2,040

$170

State National

$2,065

$172

Chubb

$2,098

$175

Hartford

$2,107

$176

Chubb

$2,165

$180

Nationwide

$2,225

$185

Kemper

$2,518

$210

Chubb

$3,096

$258

A minimum coverage policy in Garden Grove only offers coverage for bodily injury liability and property damage liability, as required by California car insurance laws. The minimum limits required are:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

Liability-only coverage pays for damages to the other driver and their passengers in an accident. For instance, with coverage limits of $15,000 per person, $30,000 per accident and $5,000 in property damage liability per accident, you could be responsible for any excess costs. Suppose three people are injured with medical bills totaling $12,000, $15,000 and $10,000, respectively, exceeding the $30,000 limit. In that case, you will pay the extra $7,000 out-of-pocket. The same applies if property damage exceeds $5,000.

Cheapest Full Coverage Car Insurance in Garden Grove

The following insurers provide the most affordable full coverage car insurance in Garden Grove:

  • GEICO: $1,070 per year
  • Progressive: $1,161 per year

Chubb is the most expensive full coverage provider at $2,098 per year.

Company
Annual Premium
Monthly Premium

GEICO

$421

$35

GEICO

$425

$35

GEICO

$503

$42

State Farm

$524

$44

Progressive

$534

$45

Progressive

$545

$45

AAA California

$564

$47

AAA California

$588

$49

Mercury

$609

$51

Mercury

$625

$52

Travelers

$632

$53

Travelers

$632

$53

Progressive

$639

$53

Hartford

$649

$54

Capital Insurance Group

$675

$56

Kemper

$684

$57

Farmers

$686

$57

State Farm

$692

$58

Capital Insurance Group

$701

$58

Farmers

$704

$59

Travelers

$721

$60

AAA California

$723

$60

State National

$741

$62

Allstate

$751

$63

Hartford

$751

$63

Allstate

$762

$64

State National

$764

$64

Mercury

$773

$64

Capital Insurance Group

$786

$66

Nationwide

$788

$66

Kemper

$789

$66

State Farm

$790

$66

Farmers

$800

$67

Allstate

$819

$68

Nationwide

$819

$68

National General

$837

$70

National General

$863

$72

Chubb

$894

$74

State National

$902

$75

Chubb

$922

$77

Hartford

$998

$83

Nationwide

$1,031

$86

GEICO

$1,036

$86

National General

$1,037

$86

Kemper

$1,048

$87

GEICO

$1,070

$89

Progressive

$1,161

$97

Progressive

$1,171

$98

State Farm

$1,176

$98

GEICO

$1,238

$103

National General

$1,242

$103

AAA California

$1,247

$104

AAA California

$1,249

$104

National General

$1,264

$105

Allstate

$1,267

$106

Chubb

$1,291

$108

Allstate

$1,330

$111

Hartford

$1,378

$115

Mercury

$1,381

$115

Capital Insurance Group

$1,390

$116

Mercury

$1,400

$117

Progressive

$1,404

$117

Allstate

$1,467

$122

Capital Insurance Group

$1,469

$122

State Farm

$1,512

$126

National General

$1,515

$126

State National

$1,574

$131

Travelers

$1,581

$132

Hartford

$1,596

$133

Nationwide

$1,602

$133

Travelers

$1,643

$137

AAA California

$1,646

$137

Capital Insurance Group

$1,657

$138

Farmers

$1,671

$139

Kemper

$1,674

$140

State National

$1,685

$140

Farmers

$1,704

$142

Nationwide

$1,721

$143

State Farm

$1,765

$147

Mercury

$1,823

$152

Travelers

$1,951

$163

Farmers

$2,017

$168

Kemper

$2,040

$170

State National

$2,065

$172

Chubb

$2,098

$175

Hartford

$2,107

$176

Chubb

$2,165

$180

Nationwide

$2,225

$185

Kemper

$2,518

$210

Chubb

$3,096

$258

With a full coverage policy, you get both liability coverage and comprehensive and collision insurance.

  • Collision Insurance: Helps cover damages to your vehicle resulting from an at-fault accident, like a collision with another car or object.
  • Comprehensive Insurance: Helps pay for damages to your car from incidents unrelated to at-fault accidents, such as theft, natural disasters or vandalism.

While full coverage policies are recommended for newer cars, they may not be worth it if you drive an older or low-value vehicle since you'll have to pay hundreds more each year for extra coverage.

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Cheapest Car Insurance in Garden Grove After a Driving Offense

Based on our calculations, these car insurance companies offer the cheapest rates for drivers with the following driving offenses on their record:

  • Speeding ticket: National General ($1,305 per year)
  • At-fault accident: Capital Insurance Group ($1,728 per year)
  • DUI: National General ($1,305 per year)

You will see the most expensive yearly rates with Nationwide ($2,989), Kemper ($3,699) and The Hartford ($5,906) after a speeding ticket, an at-fault accident or DUI, respectively.

A poor driving record dramatically affects your car insurance premiums. Even the most affordable companies will still charge higher rates for those with driving offenses than those with a clean record.

Company
Annual Premium
Monthly Premium

GEICO

$643

$54

GEICO

$650

$54

Capital Insurance Group

$750

$63

GEICO

$751

$63

AAA California

$754

$63

GEICO

$760

$63

GEICO

$768

$64

Capital Insurance Group

$778

$65

Capital Insurance Group

$784

$65

AAA California

$785

$65

Mercury

$787

$66

State Farm

$796

$66

Mercury

$810

$68

Capital Insurance Group

$814

$68

State Farm

$831

$69

Capital Insurance Group

$873

$73

National General

$885

$74

National General

$885

$74

GEICO

$898

$75

AAA California

$901

$75

Kemper

$912

$76

National General

$912

$76

National General

$912

$76

Capital Insurance Group

$914

$76

Farmers

$935

$78

Farmers

$935

$78

AAA California

$939

$78

Hartford

$946

$79

Hartford

$946

$79

Farmers

$960

$80

Farmers

$960

$80

Progressive

$968

$81

AAA California

$970

$81

Travelers

$985

$82

Mercury

$985

$82

Travelers

$986

$82

Progressive

$991

$83

Mercury

$1,005

$84

Mercury

$1,013

$84

GEICO

$1,034

$86

GEICO

$1,045

$87

State Farm

$1,052

$88

Kemper

$1,052

$88

State National

$1,054

$88

State National

$1,054

$88

Allstate

$1,059

$88

Progressive

$1,072

$89

Allstate

$1,075

$90

State National

$1,087

$91

State National

$1,087

$91

Farmers

$1,091

$91

Farmers

$1,091

$91

National General

$1,096

$91

National General

$1,096

$91

State Farm

$1,098

$91

Mercury

$1,098

$92

Progressive

$1,099

$92

Travelers

$1,102

$92

Travelers

$1,105

$92

Hartford

$1,110

$92

Hartford

$1,110

$92

Mercury

$1,130

$94

Travelers

$1,135

$95

Chubb

$1,157

$96

Allstate

$1,161

$97

AAA California

$1,162

$97

Farmers

$1,168

$97

Progressive

$1,170

$98

Capital Insurance Group

$1,177

$98

Progressive

$1,180

$98

Chubb

$1,185

$99

State Farm

$1,200

$100

Farmers

$1,201

$100

Progressive

$1,214

$101

Capital Insurance Group

$1,221

$102

Allstate

$1,224

$102

Nationwide

$1,225

$102

GEICO

$1,236

$103

Allstate

$1,244

$104

State Farm

$1,254

$104

Mercury

$1,258

$105

National General

$1,264

$105

Travelers

$1,271

$106

Nationwide

$1,272

$106

State National

$1,286

$107

State National

$1,286

$107

Progressive

$1,299

$108

National General

$1,304

$109

National General

$1,305

$109

National General

$1,305

$109

National General

$1,330

$111

National General

$1,330

$111

Travelers

$1,331

$111

Travelers

$1,331

$111

Allstate

$1,344

$112

Farmers

$1,364

$114

Nationwide

$1,368

$114

Capital Insurance Group

$1,372

$114

Kemper

$1,400

$117

Mercury

$1,404

$117

Chubb

$1,411

$118

Nationwide

$1,421

$118

Progressive

$1,435

$120

Chubb

$1,438

$120

Hartford

$1,504

$125

Hartford

$1,504

$125

Travelers

$1,538

$128

Kemper

$1,551

$129

Kemper

$1,551

$129

Chubb

$1,554

$129

GEICO

$1,557

$130

National General

$1,568

$131

Capital Insurance Group

$1,591

$133

National General

$1,594

$133

National General

$1,594

$133

Nationwide

$1,607

$134

GEICO

$1,607

$134

AAA California

$1,616

$135

AAA California

$1,619

$135

Capital Insurance Group

$1,631

$136

State Farm

$1,638

$137

Capital Insurance Group

$1,686

$141

Capital Insurance Group

$1,728

$144

GEICO

$1,743

$145

State Farm

$1,753

$146

Nationwide

$1,795

$150

GEICO

$1,796

$150

Chubb

$1,807

$151

Mercury

$1,822

$152

Chubb

$1,833

$153

State Farm

$1,836

$153

Allstate

$1,845

$154

Mercury

$1,849

$154

National General

$1,851

$154

Chubb

$1,861

$155

GEICO

$1,862

$155

Kemper

$1,886

$157

Kemper

$1,886

$157

National General

$1,887

$157

Capital Insurance Group

$1,904

$159

AAA California

$1,911

$159

AAA California

$1,916

$160

State National

$1,919

$160

Allstate

$1,941

$162

Capital Insurance Group

$1,952

$163

AAA California

$1,956

$163

State National

$1,980

$165

AAA California

$2,040

$170

Hartford

$2,059

$172

Hartford

$2,059

$172

GEICO

$2,083

$174

AAA California

$2,135

$178

Allstate

$2,149

$179

State Farm

$2,165

$180

Nationwide

$2,182

$182

Progressive

$2,196

$183

Progressive

$2,218

$185

Allstate

$2,218

$185

Kemper

$2,226

$185

Chubb

$2,230

$186

State National

$2,243

$187

State National

$2,243

$187

State Farm

$2,256

$188

Allstate

$2,259

$188

National General

$2,265

$189

Nationwide

$2,267

$189

Allstate

$2,272

$189

Mercury

$2,279

$190

Hartford

$2,304

$192

Farmers

$2,307

$192

Farmers

$2,307

$192

Mercury

$2,313

$193

State National

$2,354

$196

Farmers

$2,356

$196

Farmers

$2,356

$196

State Farm

$2,362

$197

Kemper

$2,386

$199

Kemper

$2,386

$199

Allstate

$2,398

$200

Hartford

$2,399

$200

Hartford

$2,399

$200

State National

$2,402

$200

State National

$2,402

$200

Progressive

$2,405

$200

Mercury

$2,410

$201

Progressive

$2,435

$203

Travelers

$2,436

$203

Allstate

$2,448

$204

Mercury

$2,459

$205

State Farm

$2,472

$206

Mercury

$2,488

$207

Capital Insurance Group

$2,488

$207

Nationwide

$2,490

$207

GEICO

$2,494

$208

Travelers

$2,523

$210

AAA California

$2,525

$210

AAA California

$2,530

$211

GEICO

$2,573

$214

State Farm

$2,630

$219

Capital Insurance Group

$2,639

$220

Allstate

$2,665

$222

Progressive

$2,668

$222

Nationwide

$2,677

$223

Kemper

$2,714

$226

Travelers

$2,729

$227

Hartford

$2,744

$229

Progressive

$2,744

$229

State Farm

$2,755

$230

Chubb

$2,760

$230

Nationwide

$2,778

$232

Progressive

$2,782

$232

Farmers

$2,787

$232

Farmers

$2,787

$232

Travelers

$2,818

$235

Chubb

$2,828

$236

Nationwide

$2,873

$239

Farmers

$2,883

$240

Progressive

$2,928

$244

Farmers

$2,944

$245

State National

$2,946

$246

State National

$2,946

$246

Capital Insurance Group

$2,980

$248

GEICO

$2,984

$249

Nationwide

$2,989

$249

Mercury

$3,014

$251

Travelers

$3,017

$251

Hartford

$3,197

$266

Hartford

$3,197

$266

Mercury

$3,241

$270

Progressive

$3,348

$279

Kemper

$3,353

$279

Travelers

$3,377

$281

Travelers

$3,391

$283

Chubb

$3,395

$283

Chubb

$3,465

$289

Nationwide

$3,471

$289

Farmers

$3,484

$290

Travelers

$3,517

$293

State Farm

$3,619

$302

Kemper

$3,699

$308

Kemper

$3,699

$308

Chubb

$3,759

$313

Hartford

$3,820

$318

Nationwide

$3,880

$323

AAA California

$3,904

$325

AAA California

$3,913

$326

Allstate

$4,039

$337

State National

$4,187

$349

Travelers

$4,238

$353

Allstate

$4,260

$355

Chubb

$4,398

$366

Nationwide

$4,434

$370

Chubb

$4,460

$372

State National

$4,490

$374

Chubb

$4,527

$377

Kemper

$4,653

$388

Kemper

$4,653

$388

State Farm

$4,660

$388

Allstate

$4,733

$394

Nationwide

$4,774

$398

Hartford

$5,020

$418

AAA California

$5,160

$430

State Farm

$5,429

$452

Chubb

$5,462

$455

State National

$5,524

$460

Kemper

$5,582

$465

Kemper

$5,582

$465

Hartford

$5,906

$492

Nationwide

$6,214

$518

Hartford

$8,006

$667

Generally, car insurance rates will increase based on the severity of the violation. In Garden Grove, drivers with a DUI on their record will pay around $1,523 more in full coverage premiums than those with speeding violations. Comparing quotes can help you find the cheapest car insurance with a poor driving record.

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Cheapest Car Insurance in Garden Grove for Teens and Their Families

The least expensive car insurance companies in Garden Grove for 16-year-old teens on a family policy are:

  • Farmers: $3,143 per year
  • GEICO: $3,207 per year for teen girls and $3,381 for teen boys

Nationwide charges the most expensive rates for teens on a family policy at $6,408 per year for both males and females.

Car insurance providers sometimes charge higher rates for male teenagers as they are considered higher-risk drivers. For example, GEICO charges boys an additional $174 per year. However, as drivers enter early adulthood, this rate discrepancy usually decreases.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,417

$2,283

GEICO

$1,451

$2,336

GEICO

$1,453

$2,573

GEICO

$1,470

$2,455

GEICO

$1,486

$2,393

GEICO

$1,494

$2,645

GEICO

$1,515

$2,795

GEICO

$1,535

$2,717

GEICO

$1,683

$2,521

GEICO

$1,738

$2,879

Progressive

$1,832

$2,946

Progressive

$1,832

$2,946

Capital Insurance Group

$1,856

$2,380

Capital Insurance Group

$1,856

$2,380

Progressive

$1,983

$3,189

Progressive

$1,983

$3,189

Allstate

$1,996

$3,236

Allstate

$1,996

$3,236

Allstate

$2,089

$3,388

Allstate

$2,089

$3,388

Capital Insurance Group

$2,113

$2,819

Capital Insurance Group

$2,113

$2,819

Progressive

$2,122

$3,941

Progressive

$2,122

$3,941

Allstate

$2,143

$3,764

Allstate

$2,143

$3,764

Farmers

$2,152

$3,075

Farmers

$2,152

$3,075

Allstate

$2,164

$3,509

Allstate

$2,164

$3,509

GEICO

$2,166

$3,664

Capital Insurance Group

$2,199

$2,819

Capital Insurance Group

$2,199

$2,819

Capital Insurance Group

$2,199

$2,819

Capital Insurance Group

$2,199

$2,819

Kemper

$2,212

$4,453

Kemper

$2,212

$4,453

Progressive

$2,222

$3,573

Progressive

$2,222

$3,573

Nationwide

$2,227

$4,634

Nationwide

$2,227

$4,634

GEICO

$2,251

$4,226

Allstate

$2,296

$3,781

Allstate

$2,296

$3,781

Kemper

$2,336

$4,702

Kemper

$2,336

$4,702

Travelers

$2,362

$3,260

Travelers

$2,362

$3,260

GEICO

$2,369

$3,549

State Farm

$2,386

$3,509

State Farm

$2,386

$3,509

Farmers

$2,410

$3,567

Farmers

$2,410

$3,567

Nationwide

$2,442

$5,080

Nationwide

$2,442

$5,080

Travelers

$2,446

$3,374

Travelers

$2,446

$3,374

Capital Insurance Group

$2,454

$3,172

Capital Insurance Group

$2,454

$3,172

Kemper

$2,459

$5,529

Kemper

$2,459

$5,529

GEICO

$2,463

$4,079

State Farm

$2,482

$3,650

State Farm

$2,482

$3,650

Travelers

$2,495

$3,621

Travelers

$2,495

$3,621

Farmers

$2,496

$3,567

Farmers

$2,496

$3,567

Farmers

$2,496

$3,567

Farmers

$2,496

$3,567

Nationwide

$2,520

$5,811

Nationwide

$2,520

$5,811

State Farm

$2,525

$3,960

State Farm

$2,525

$3,960

State Farm

$2,540

$3,734

State Farm

$2,540

$3,734

Kemper

$2,541

$5,114

Kemper

$2,541

$5,114

Capital Insurance Group

$2,544

$3,172

Capital Insurance Group

$2,544

$3,172

Travelers

$2,549

$3,516

Travelers

$2,549

$3,516

Nationwide

$2,618

$5,446

Nationwide

$2,618

$5,446

Progressive

$2,632

$4,323

Progressive

$2,632

$4,323

Allstate

$2,633

$4,819

Allstate

$2,633

$4,819

Allstate

$2,677

$4,407

Allstate

$2,677

$4,407

Farmers

$2,696

$4,090

Farmers

$2,696

$4,090

State Farm

$2,706

$4,037

State Farm

$2,706

$4,037

Capital Insurance Group

$2,725

$3,522

Capital Insurance Group

$2,725

$3,522

Travelers

$2,784

$3,801

Travelers

$2,784

$3,801

Kemper

$2,848

$5,862

Kemper

$2,848

$5,862

State Farm

$2,872

$4,495

State Farm

$2,872

$4,495

State Farm

$2,899

$4,325

State Farm

$2,899

$4,325

Farmers

$2,913

$4,710

Farmers

$2,913

$4,710

Farmers

$2,940

$4,461

Farmers

$2,940

$4,461

Nationwide

$2,950

$6,370

Nationwide

$2,950

$6,370

GEICO

$2,992

$5,299

Travelers

$3,021

$4,385

Travelers

$3,021

$4,385

Farmers

$3,067

$6,069

Farmers

$3,067

$6,069

Travelers

$3,068

$4,188

Travelers

$3,068

$4,188

Kemper

$3,085

$6,350

Kemper

$3,085

$6,350

Kemper

$3,111

$7,000

Kemper

$3,111

$7,000

GEICO

$3,136

$6,160

Farmers

$3,143

$6,348

Farmers

$3,143

$6,348

Farmers

$3,153

$6,238

Farmers

$3,153

$6,238

State Farm

$3,192

$5,700

State Farm

$3,192

$5,700

GEICO

$3,207

$5,917

Progressive

$3,281

$6,118

Progressive

$3,281

$6,118

GEICO

$3,290

$5,827

GEICO

$3,381

$6,963

State Farm

$3,384

$6,043

State Farm

$3,384

$6,043

State Farm

$3,456

$6,771

State Farm

$3,456

$6,771

GEICO

$3,463

$6,801

Progressive

$3,487

$5,728

Progressive

$3,487

$5,728

Capital Insurance Group

$3,497

$4,358

Capital Insurance Group

$3,497

$4,358

Capital Insurance Group

$3,497

$4,358

Capital Insurance Group

$3,497

$4,358

Capital Insurance Group

$3,497

$4,358

Capital Insurance Group

$3,497

$4,358

Allstate

$3,514

$6,929

Allstate

$3,514

$6,929

Nationwide

$3,635

$8,806

Nationwide

$3,635

$8,806

Allstate

$3,639

$7,300

Allstate

$3,639

$7,300

Allstate

$3,702

$7,300

Allstate

$3,702

$7,300

Progressive

$3,787

$7,778

Progressive

$3,787

$7,778

Progressive

$3,811

$7,846

Progressive

$3,811

$7,846

Progressive

$3,826

$7,858

Progressive

$3,826

$7,858

Nationwide

$3,877

$8,373

Nationwide

$3,877

$8,373

Travelers

$4,037

$5,529

Travelers

$4,037

$5,529

Travelers

$4,218

$5,776

Travelers

$4,218

$5,776

Travelers

$4,227

$6,062

Travelers

$4,227

$6,062

Kemper

$4,693

$9,559

Kemper

$4,693

$9,559

Kemper

$5,141

$10,472

Kemper

$5,141

$10,472

Kemper

$5,189

$11,672

Kemper

$5,189

$11,672

Nationwide

$5,522

$11,905

Nationwide

$5,522

$11,905

Nationwide

$6,209

$13,386

Nationwide

$6,209

$13,386

Nationwide

$6,408

$16,155

Nationwide

$6,408

$16,155

Car insurance rates are much more expensive for teens who purchase individual policies. For example, male teens who buy their own policy in Garden Grove pay $673 more than those added to a family policy. To find the cheapest car insurance for teens and save on premiums, consider adding them to your family policy.

Cheapest Car Insurance in Garden Grove for Military Drivers

The cheapest car insurance companies for active duty or veteran military families in Garden Grove are:

  • GEICO: $1,070 per year
  • USAA: $1,123 per year

For those seeking minimum coverage on a budget, GEICO provides the cheapest option at $425 per year, while USAA is the second most affordable at an annual rate of $515.

Company
Annual Premium
Monthly Premium

GEICO

$421

$35

GEICO

$425

$35

GEICO

$503

$42

USAA

$515

$43

USAA

$515

$43

State Farm

$524

$44

Progressive

$534

$45

Progressive

$545

$45

AAA California

$564

$47

AAA California

$588

$49

Mercury

$609

$51

USAA

$623

$52

Mercury

$625

$52

Travelers

$632

$53

Travelers

$632

$53

Progressive

$639

$53

Hartford

$649

$54

Capital Insurance Group

$675

$56

Kemper

$684

$57

Farmers

$686

$57

State Farm

$692

$58

Capital Insurance Group

$701

$58

Farmers

$704

$59

Travelers

$721

$60

AAA California

$723

$60

State National

$741

$62

Allstate

$751

$63

Hartford

$751

$63

Allstate

$762

$64

State National

$764

$64

Mercury

$773

$64

Capital Insurance Group

$786

$66

Nationwide

$788

$66

Kemper

$789

$66

State Farm

$790

$66

Farmers

$800

$67

Allstate

$819

$68

Nationwide

$819

$68

National General

$837

$70

National General

$863

$72

Chubb

$894

$74

State National

$902

$75

Chubb

$922

$77

Hartford

$998

$83

Nationwide

$1,031

$86

GEICO

$1,036

$86

National General

$1,037

$86

Kemper

$1,048

$87

GEICO

$1,070

$89

USAA

$1,101

$92

USAA

$1,123

$94

Progressive

$1,161

$97

Progressive

$1,171

$98

State Farm

$1,176

$98

GEICO

$1,238

$103

National General

$1,242

$103

AAA California

$1,247

$104

AAA California

$1,249

$104

National General

$1,264

$105

Allstate

$1,267

$106

Chubb

$1,291

$108

Allstate

$1,330

$111

USAA

$1,344

$112

Hartford

$1,378

$115

Mercury

$1,381

$115

Capital Insurance Group

$1,390

$116

Mercury

$1,400

$117

Progressive

$1,404

$117

Allstate

$1,467

$122

Capital Insurance Group

$1,469

$122

State Farm

$1,512

$126

National General

$1,515

$126

State National

$1,574

$131

Travelers

$1,581

$132

Hartford

$1,596

$133

Nationwide

$1,602

$133

Travelers

$1,643

$137

AAA California

$1,646

$137

Capital Insurance Group

$1,657

$138

Farmers

$1,671

$139

Kemper

$1,674

$140

State National

$1,685

$140

Farmers

$1,704

$142

Nationwide

$1,721

$143

State Farm

$1,765

$147

Mercury

$1,823

$152

Travelers

$1,951

$163

Farmers

$2,017

$168

Kemper

$2,040

$170

State National

$2,065

$172

Chubb

$2,098

$175

Hartford

$2,107

$176

Chubb

$2,165

$180

Nationwide

$2,225

$185

Kemper

$2,518

$210

Chubb

$3,096

$258

How to Compare Cheap Garden Grove Car Insurance Quotes Online

Car insurance quotes for Garden Grove can be found online, but the process may take more than 15 minutes and require you to enter a lot of personal information.

MoneyGeek’s car insurance calculator can quickly estimate your rates based on just your age, coverage level, driving record and vehicle type.

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Best Car Insurance in Garden Grove: Summary

The best car insurance provider in Garden Grove for you will depend on how you value cost, service and other factors.

The best car insurance companies in Garden Grove, CA, are:

  • Best overall: GEICO (MoneyGeek score 75 out of 100)
  • Best for service: Chubb (MoneyGeek score 76 out of 100)
  • Best cheap: GEICO (MoneyGeek score 78 out of 100)

MoneyGeek’s overall scores for a particular company may vary based on how factors are weighted in each category.

GEICO is the best overall provider in Garden Grove, but AAA is California's best car insurance company, with a MoneyGeek score of 89 out of 100. The affordability of car insurance can be influenced by location, with rates differing across providers and affecting which company is the best for you.

For drivers with a military background, USAA is one of the best providers in Garden Grove with a MoneyGeek score of 83 out of 100

Best Overall Car Insurance in Garden Grove

The best auto insurers in Garden Grove are:

  • GEICO: MoneyGeek score 75 out of 100 ($1,070 per year)
  • Progressive: MoneyGeek score 72 out of 100 ($1,161 per year)

GEICO ranked first for affordability and fifth for customer satisfaction among the 15 providers analyzed. This indicates that customers can expect both quality service and affordable coverage from the company.

Earning an overall MoneyGeek score of 83 out of 100, USAA is the best and cheapest provider in Garden Grove for military drivers, charging annual rates of $1,123.

How was this MoneyGeek score calculated?

GEICO

pros

Ranked first in affordability

Above-average satisfaction score

Offers Mechanical Breakdown Insurance (MBI)

cons

Below-average claims experience rating

COMPANY HIGHLIGHTS

GEICO offers drivers in Garden Grove affordable coverage without compromising on quality, with high scores for both affordability and customer satisfaction.

With a GEICO policy, you can opt for Mechanical Breakdown Insurance (MBI) as an add-on coverage. MBI covers all the parts and systems in your vehicle, including those not covered by the typical dealer warranty. However, this coverage is only available if your car is less than 15 months old with less than 15,000 miles.

GEICO also offers antique car insurance for drivers with classic cars. This policy includes the same coverages as a standard one, including liability coverage, uninsured and underinsured motorist coverage and medical coverage.

In addition to standard options, essential coverages like roadside assistance and rental car or travel reimbursement are available to cover the cost of services like towing or mechanical labor when your car needs repairs.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Garden Grove for Customer Service

Excluding cost as a factor, MoneyGeek found that the best car insurance companies in Garden Grove for customer service are:

  • Chubb: MoneyGeek score 76 out of 100 ($2,098 per year)
  • Capital Insurance Group: MoneyGeek score 68 out of 100 ($1,469 per year)

Out of the 15 analyzed providers, Chubb ranked first for claims experience and second for customer satisfaction, indicating their policyholders can anticipate superior service. Because Chubb’s policy is the least affordable in Garden Grove, customers will have to pay more for their excellent service.

How was this MoneyGeek score calculated?

Chubb

pros

Ranked first in claims experience

High customer satisfaction ratings

Offers original equipment manufacturer (OEM) coverage

cons

Average coverage score

COMPANY HIGHLIGHTS

With top rankings for claims experience and customer satisfaction, Chubb is an excellent choice for drivers who value quality service.

Chubb provides the option of original equipment manufacturer (OEM) coverage, an add-on that guarantees the replacement of damaged parts in your vehicle with original manufacturer parts. It also offers Agreed Value coverage, which reimburses policyholders based on the agreed-upon value when signing, rather than the car's diminished value.

Chubb provides classic car insurance for drivers of antique or classic cars over 30 years old and only used for recreational purposes.

You can also get rental car or travel reimbursement coverage to pay for your travel expenses while your car is being repaired.

Best Cheap Car Insurance Companies in Garden Grove

MoneyGeek analyzed providers based on affordability and service quality for policies that only meet California’s minimum requirements and found that the best cheap car insurance companies in Garden Grove are:

  • GEICO: MoneyGeek score 78 out of 100 ($425 per year)
  • Progressive: MoneyGeek score 68 out of 100 ($534 per year)

If you're seeking affordable car insurance, opting for a minimum coverage policy can provide you with the cheapest premiums. However, it's important to note that this type of policy only offers limited liability coverage and won't cover damages to your own vehicle.

How was this MoneyGeek score calculated?

GEICO

pros

The cheapest minimum coverage policy costs $425 per year

Offers a wide range of discounts (bundling, safe driving and safety equipment, etc.)

High customer satisfaction rating

cons

Below-average claims score

COMPANY HIGHLIGHTS

GEICO ranks first for affordability in Garden Grove, making it the best option for drivers on a budget. This insurer also has high customer satisfaction ratings, ensuring good value for policyholders.

GEICO offers a range of discounts that can help make premiums even more affordable. Bundling, multiple car and safe driving discounts are available to those who buy more than one policy, insure multiple cars or maintain a clean record. Students with good academic records and members of affinity organizations may also qualify for discounts.

Policyholders are also eligible for less common discounts, such as those for installing daytime running lights or using seatbelts. In addition, discounts are available for teachers, federal employees and military members.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Garden Grove

Full coverage car insurance in Garden Grove costs an average of $1,488 per year for policies with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability.

Compared to the average cost of auto insurance in California, which is about $1,387, drivers in Garden Grove pay $101 more per year as of October 2022. Compared to the $1,265 national average cost for car insurance, rates in Garden Grove are also higher by $233. So while it's one of many factors that insurance companies consider when determining policy rates, your location can have a significant impact.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.