On average, Esurance has the cheapest insurance in Garden Grove, including for drivers with a ticket. Progressive, though, is the cheapest for state minimum coverage. USAA is an excellent choice for eligible military families. MoneyGeek found Esurance is the best for balancing cost and customer service in Garden Grove. Your best choice depends on your profile and coverage needs.
The Cheapest and Best Car Insurance in Garden Grove




The Cheapest Car Insurance Companies in Garden Grove
On average, the cheapest insurers in Garden Grove for a full coverage auto insurance policy are:
- Esurance: $1,073 per year
- Progressive: $1,183 per year
USAA has a full coverage policy for eligible military members at roughly $1,208 annually.
Any drivers looking for an affordable full coverage policy will find Esurance is the best in Garden Grove. Its policy is around 79% cheaper than Allied’s, the city’s priciest at roughly $1,927 annually.
A full coverage policy includes liability insurance and comprehensive and collision insurance. The liability limits determine the premium.
Cheapest Car Insurance in Garden Grove
- Company100/300/100per year
- 1.$1,073
- 2.$1,183
- 3.$1,208
- 4.$1,292
- 5.$1,338
MoneyGeek gathered prices based on a 40-year-old male driver’s profile looking for a full coverage policy in Garden Grove, as specified in our methodology.
A full coverage policy comes with liability and two very valuable additional coverages that protect damage to your car:
- Collision insurance: covers damages from an at-fault collision
- Comprehensive insurance: covers any damages that are not related to collision and theft
The age of your car could make a full coverage policy cost more than the car’s value. In such cases, a state minimum policy or liability-only may be better and cost less.
Compare Car Insurance Rates in Garden Grove
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Garden Grove for Minimum Coverage
Garden Grove drivers who want the cheapest car insurance should choose a minimum coverage policy. On average, the companies with the cheapest minimum coverage in Garden Grove are:
- Progressive: $528 per year
- GEICO: $560 per year
USAA, open to military members, offers the cheapest minimum coverage policy in Garden Grove at around $522 annually.
Allied is the most expensive in Garden Grove for minimum coverage, at roughly $925 annually, almost $400 more than Progressive.
A minimum coverage policy is the most affordable in Garden Grove but has low liability limits and no comprehensive or collision coverage, putting you at risk.
Toggle the table below to see how much higher liability limits may cost.
Cheapest Minimum Liability Car Insurance in Garden Grove
- CompanyState Minimumper year
- 1.$522
- 2.$528
- 3.$560
- 4.$607
- 5.$627
A state minimum policy in Garden Grove is the cheapest option available. It includes California’s requirement of 15/30/5 in liability limits plus uninsured motorist of 15/30 with $3,500 in property damage coverage. The trade-off for the low price is that you may pay out of pocket in an accident.
For example, you cause an accident resulting in $25,000 in medical bills for the other driver, the policy only covers $15,000 per person, leaving you to pay $10,000.
California Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Garden Grove if You Have Driving Violations
Drivers with a violation, such as a DUI, ticket or an at-fault accident, pay a more expensive premium in Garden Grove. On average, the companies with the cheapest rates after a violation in Garden Grove are:
- Cheapest after a ticket: Esurance, $1,362 per year
- Cheapest after an at-fault accident: Esurance, $1,691 per year
- Cheapest after a DUI: Mercury, $2,530 per year
USAA, open to eligible military families, has the cheapest rate with a ticket at roughly $1,322 annually.
Drivers with violations in Garden Grove can get a lower rate by improving their driving record over time. Until then, find a cheap rate by comparing companies and choosing the best deal.
Cheapest Car Insurance in Garden Grove With a Violation
Average Cost of Car Insurance in Garden Grove
The average yearly car insurance rate in Garden Grove is higher than the national and state averages.
Drivers in Garden Grove pay an average of $1,497 per year for car insurance. This is 4.8% more than the California average and 5.1% higher than the U.S. average.
Personalized Quotes to Get You the Cheapest Car Insurance in Garden Grove
Auto insurance companies consider a variety of factors to calculate the cost of car insurance in Garden Grove. These can include your age, gender, car make and model, driving record and more.
In Garden Grove, Esurance’s average yearly price for a 40-year-old male driver is $1,073. This rate can change as the driver gets older.
It’s advisable to regularly compare car insurance quotes so you can find affordable coverage as your life circumstances change.
Compare Car Insurance Rates in Garden Grove
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

The Best Car Insurance Companies in Garden Grove
MoneyGeek identified the best car insurance companies in Garden Grove based on average premiums, customer satisfaction ratings and claims history. The following companies placed first and second:
- Esurance: MoneyGeek score of 92 out of 100
- GEICO: MoneyGeek score of 83 out of 100
We excluded USAA from our rankings despite its overall score of 90 out of 100. USAA is one of the best car insurance companies in Garden Grove, but only for current or former military members and their families.

Not only does Esurance receive excellent user satisfaction scores, but it also offers custom parts coverage, which covers carpeting damage, graphics damage, decal damage and other items added to your vehicle. The average Esurance policy costs $1,073 a year.
As one of the top-rated car insurance companies, Esurance offers affordable policies throughout all 50 states. Aftermarket upgrades to your car are protected by its most rare coverage — custom parts coverage. In the event that your upgrades are damaged, you are covered for all non-factory installed items.
This insurer offers gap insurance as well. This coverage helps you pay off your car loan or lease by paying up to 25% more than the car's actual cash value. ShareSmart, its rideshare insurance, is also available. This coverage ensures that your personal insurance policy does not overlap with your rideshare policy.
Read MoneyGeek's Esurance auto Insurance Review
Garden Grove's second-best car insurance company is GEICO, which has an excellent claims and user satisfaction score and a perfect stability score. A full coverage policy costs an average of $1,292 per year, placing it first in affordability as well. As an add-on coverage, GEICO offers mechanical breakdown insurance, which is uncommon in the insurance industry.
With GEICO, you can customize your Garden Grove auto insurance coverage. The cost of adding mechanical breakdown insurance to a car less than 15 months old may be less than extending the warranty. GEICO covers all parts and systems, unlike warranties that only cover specific items.
It is also possible to purchase accident forgiveness coverage wherein your first accident at fault won't raise your insurance premiums. Those over 21 who haven't been involved in an accident for five years are eligible for it free of charge.
Read MoneyGeek's GEICO auto Insurance Review









Average Cost of Car Insurance by Postal Code
Your ZIP code can influence your car insurance rates. This is because the number of car thefts, accidents and uninsured motorists can vary between communities.
In Garden Grove, California, residents of ZIP code 92840 could pay an average of $44 less than drivers living in the 94843 neighborhood.
- Zip CodeState Minimumper year
- 92840$1,475
- 92843$1,519
Factors That Impact Insurance Costs in Garden Grove
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Garden Grove. How Garden Grove ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
