Cheapest and Best Car Insurance in Garden Grove, CA (2024)


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ByMark Fitzpatrick
Edited byJonathan Ramos
ByMark Fitzpatrick
Edited byJonathan Ramos

Updated: May 20, 2024

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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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2024

Cheapest and Best Car Insurance in Garden Grove

Why Trust MoneyGeek? We looked at thousands of Garden Grove car insurance quotes and other information from the California Department of Insurance and Quadrant Information Services. MoneyGeek also obtained financial stability, affordability, customer satisfaction and claims rating data.

352,910Quotes Analyzed
 
18Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$425Monthly Premium$35
ProgressiveAnnual Premium$534Monthly Premium$45
AAA CaliforniaAnnual Premium$564Monthly Premium$47
MercuryAnnual Premium$609Monthly Premium$51
TravelersAnnual Premium$632Monthly Premium$53
KemperAnnual Premium$684Monthly Premium$57
FarmersAnnual Premium$686Monthly Premium$57
State FarmAnnual Premium$692Monthly Premium$58

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$1,070Monthly Premium$89
ProgressiveAnnual Premium$1,161Monthly Premium$97
National GeneralAnnual Premium$1,242Monthly Premium$103
AAA CaliforniaAnnual Premium$1,249Monthly Premium$104
AllstateAnnual Premium$1,330Monthly Premium$111
MercuryAnnual Premium$1,400Monthly Premium$117
Capital Insurance GroupAnnual Premium$1,469Monthly Premium$122
State FarmAnnual Premium$1,512Monthly Premium$126

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,305Monthly Premium$109
GEICOAnnual Premium$1,607Monthly Premium$134
AAA CaliforniaAnnual Premium$1,619Monthly Premium$135
Capital Insurance GroupAnnual Premium$1,686Monthly Premium$141
MercuryAnnual Premium$1,849Monthly Premium$154
AllstateAnnual Premium$1,941Monthly Premium$162
ProgressiveAnnual Premium$2,196Monthly Premium$183
KemperAnnual Premium$2,226Monthly Premium$185

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
FarmersFamily Plan Annual Premium$3,143Individual Plan Monthly Premium$6,348
GEICOFamily Plan Annual Premium$3,207Individual Plan Monthly Premium$5,917
State FarmFamily Plan Annual Premium$3,456Individual Plan Monthly Premium$6,771
Capital Insurance GroupFamily Plan Annual Premium$3,497Individual Plan Monthly Premium$4,358
AllstateFamily Plan Annual Premium$3,639Individual Plan Monthly Premium$7,300
ProgressiveFamily Plan Annual Premium$3,811Individual Plan Monthly Premium$7,846
TravelersFamily Plan Annual Premium$4,227Individual Plan Monthly Premium$6,062
KemperFamily Plan Annual Premium$5,189Individual Plan Monthly Premium$11,672

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$1,070Monthly Premium$89
USAAAnnual Premium$1,123Monthly Premium$94
ProgressiveAnnual Premium$1,161Monthly Premium$97
National GeneralAnnual Premium$1,242Monthly Premium$103
AAA CaliforniaAnnual Premium$1,249Monthly Premium$104
AllstateAnnual Premium$1,330Monthly Premium$111
MercuryAnnual Premium$1,400Monthly Premium$117
Capital Insurance GroupAnnual Premium$1,469Monthly Premium$122

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.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 13, 2024

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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

checkmark

Ranked first in affordability

checkmark

Above-average satisfaction score

checkmark

Offers Mechanical Breakdown Insurance (MBI)

cons

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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

checkmark

Ranked first in claims experience

checkmark

High customer satisfaction ratings

checkmark

Offers original equipment manufacturer (OEM) coverage

cons

close

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

checkmark

The cheapest minimum coverage policy costs $425 per year

checkmark

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

checkmark

High customer satisfaction rating

cons

close

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 has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.