Compare the Cheapest Car Insurance Quotes in Garden Grove, CA

Garden Grove drivers pay an average of $1,497 per year for car insurance, more than the state average. Esurance is found to be the cheapest insurer based on MoneyGeek's analysis on coverage amount and driving history at $1,073 on average per year. MoneyGeek also examined the best insurers in Garden Grove based on quality and cost.

Loading...
By  
  |  
iconribbonbestauto insuranceGarden Grove2021

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 include:

  • Esurance: $1,073 per year
  • Progressive: $1,183 per year

Drivers looking for affordable prices will find Esurance to be the best car insurance company in Garden Grove. The average annual rate for a policy with Esurance is $1,073. This is 79.6% cheaper than the average yearly premium of Allied, the city's priciest auto insurance carrier.

The second most affordable car insurance company in Garden Grove is Progressive, offering average rates of $1,183 per year.

MoneyGeek gathered prices and data based on a 40-year-old male driver profile looking for a full coverage policy that includes liability insurance and comprehensive and collision insurance.

Scroll for more

swipe icon

Average Cost of Car Insurance in Garden Grove

Garden Grove$1,497
California$1,429
U.S.$1,424

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.

Loading...

The Best Car Insurance Companies in Garden Grove

MoneyGeek ranked the best companies in Garden Grove for drivers looking to balance cost and quality of service. The best car insurance companies based on MoneyGeek’s scoring system are:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA received the highest score in [STATE] by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

These scores were based on J.D. Power user satisfaction, affordability and financial stability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:88

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:88

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

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.

Shopping around for car insurance in Garden Grove could save you $424, which is enough to buy:


coffeeColor icon
141Cups of Coffee
computer icon
33Months of Your Favorite Streaming Service

Cheapest Car Insurance in Garden Grove by Coverage Amount

In Garden Grove and other cities, the amount of coverage purchased is one of the most significant factors impacting the cost of car insurance. A policy that meets California’s state minimums costs $736 annually on average, while a full coverage policy with higher liability limits costs an average of $1,497 yearly. This difference of $760.

California Minimum Liability Requirements

  • Item
    Description
  • 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.

Esurance offers the cheapest car insurance in Garden Grove for 50/100/50 liability-only and full-coverage policies. A full-coverage policy from Esurance costs $285 more per year than a liability-only plan.

Full-coverage plans are more expensive because they cover both your expenses and the other driver’s if you cause an accident. Liability-only policies will just pay the other driver's costs when you are at fault in an accident.

Additionally, the 50/100/50 limits mean that you can receive $50,000 in medical reimbursements per person, $100,000 for injuries per accident and $50,000 in property damage repair costs.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
Loading...

Cheapest Car Insurance in Garden Grove if You Have Driving Violations

Driving defensively can help you save money on your auto insurance rates. This is because driving violations will raise your insurance premiums.

In Garden Grove, Esurance customers with a DUI could pay $1,605 more per year than drivers with a clean record. Policyholders who have caused an accident might pay an extra $618 yearly. Drivers with a speeding ticket on their record could pay an average of $289 more annually for their coverage.

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 Code
    State 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.

accident2 icon
Most Accidents With Fatalities189th/300
handcuffs2 icon
Most Car Thefts210th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall247th/300
umbrella icon
Most Rainy Days260th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Garden Grove are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Loading...

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.