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

In Garden Grove, the most cost-effective car insurance may vary based on coverage and driver specifics. For full coverage, Progressive is your go-to, while families with teens find Farmers most affordable, diverging from GEICO, the choice for minimum coverage. Chubb excels in customer service, but the overall best, balancing cost and service, is Capital Insurance Group. Choosing the best depends on your coverage needs and personal preferences.

MoneyGeek found that GEICO is the cheapest option in Garden Grove for minimum coverage car insurance. Discover the cheapest car insurance and see how much you could save.

• GEICO: $488 per year
• Progressive: $542 per year

Whereas GEICO offers the lowest annual premium, Nationwide presents the most expensive policy in Garden Grove at $970 per year. The difference between the most affordable and costliest options is $482 annually, underscoring the importance of comparing car insurance rates.

Across all California cities, including Garden Grove, car insurance minimums are defined by state law. Here’s what’s required:

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

For instance, if you hold a minimum coverage policy and are involved in an at-fault accident, your insurer will payout up to $15,000 for injuries to a single person and up to $30,000 for injuries in total. Should costs exceed these limits, the responsibility to cover the remaining balance falls on you.

MoneyGeek found that Progressive is the cheapest option in Garden Grove for drivers seeking the cheapest full coverage car insurance. When comparing annual premium costs:

• Progressive: $1,204 per year
• GEICO: $1,229 per year

Chubb is the most expensive full coverage policy in the city, with an annual premium of $3,096, which is $950 more than Progressive.

At MoneyGeek, a Garden Grove full coverage insurance policy elevates your protection with higher liability limits, raising the bar to $100,000 for individual bodily injury, $300,000 per event for bodily injury and $100,000 for property damage per accident. In industry terms, this level of coverage is often referred to as a 100/300/100 policy.

In addition to bolstering liability limits, a full coverage suite includes both comprehensive and collision insurance.

Collision Insurance: This insurance is an essential safeguard, offering coverage for your automobile when it collides with another vehicle or objects, like a tree or light pole. It also covers rollover accidents and pothole damage.

Comprehensive Insurance: Beyond the realm of collisions, this coverage deals with a range of other eventualities that might befall your car such as theft or damage due to severe weather conditions, natural disasters and being struck by an animal like a deer.

For owners of new vehicles, opting for full coverage insurance is a prudent decision. When it comes to older models, the benefit of this augmented coverage must be weighed against the additional costs incurred. Accurately assessing the requisite amount of car insurance is a delicate balance; higher levels of coverage inevitably come with greater premiums, but opting for minimal coverage can leave you exposed to significant financial risks.

MoneyGeek found that for drivers with a full coverage policy in Garden Grove, the cheapest company for drivers with a poor driving record offers significantly different rates depending on the type of driving offense. Here are the companies with the lowest annual premiums for each:

• Speeding Ticket: National General ($1,509 per year)
• At-fault accident: Capital Insurance Group ($1,761 per year)
• DUI: National General ($1,509 per year)

Whereas National General offers the least expensive rates after a speeding ticket and a DUI, Capital Insurance Group is the more affordable choice following an at-fault accident. In contrast, Hartford has the most costly rate after a DUI at $5,915 annually. The difference between the cheapest rates after a speeding ticket by National General and a DUI by the same insurer highlights how the type of offense can affect car insurance premiums.

Insurance rates escalate with the severity of a driving infraction, reflecting increased risk for insurers. In Garden Grove, for example, motorists with a speeding ticket pay an average annual premium of $2,387, while a DUI offense hikes their rates substantially to $4,006.

MoneyGeek found that Farmers is the cheapest option in Garden Grove, offering the cheapest car insurance for teens. Here's how the two most affordable companies compare:

• Farmers: $3,143 per year for female teens and $3,143 per year for male teens
• GEICO: $3,207 per year for female teens and $3,381 per year for male teens

These rates reflect the annual cost to insure a combination of two parents and a teenager in Garden Grove. Nationwide holds the record for the highest premium for teen drivers with an annual rate of $6,408 for both females and males.

In Garden Grove, as with many cities across the US, teen drivers face steep auto insurance premiums. Statistics show that an average individual annual premium for teens is roughly $4,899, whereas being added to a family plan significantly reduces the cost to an average of $4,083. This difference in rates often stems from the insurer's risk assessment; individual teen policies represent a higher risk compared to shared family plans.

MoneyGeek found that Progressive is the cheapest option in Garden Grove for those seeking the cheapest car insurance for military backgrounds.

• Progressive: $1,204 per year
• GEICO: $1,229 per year

Though not the cheapest, USAA ranks as the fifth most affordable option at $1,462 per year. It may have slightly higher rates than some competitors, yet its offerings are specially catered to meet the needs of active-duty military members, making it a valuable option for those who qualify.

Comparing car insurance rates in Garden Grove is important. Use MoneyGeek's car insurance calculator to find rates based on key factors influencing premiums. Simply input your age, driving history, credit score, desired coverage level and other details to receive an estimate.

Choosing the ideal auto insurance for you hinges on how you weigh factors like service quality, cost, coverage, and other variables. According to MoneyGeek's unique scoring systems for different categories, the best car insurance providers in Garden Grove cater to diverse preferences:

• Best overall: Capital Insurance Group(MoneyGeek score 82 out of 100)
• Best for service: Chubb (MoneyGeek score 94 out of 100)
• Best cheap: Capital Insurance Group (MoneyGeek score 80 out of 100)

In Garden Grove, Capital Insurance Group emerges as the leading provider, offering a balanced mix of excellent service and affordability.

MoneyGeek found that Capital Insurance Group offers the best car insurance in Garden Grove, providing exceptional policies for drivers looking for coverage. Here are the top providers according to MoneyGeek's scores:

• Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,671 per year)
• Chubb: MoneyGeek score of 77 out of 100 ($2,784 per year)

Capital Insurance Group has an impressive blend of customer satisfaction and affordability. The premium quoted for Capital Insurance Group is for a full coverage policy, ensuring that drivers receive comprehensive protection on the road.

Chubb is the best option in Garden Grove for car insurance focused on customer service. This finding highlights the insurer's commitment to excellence across several dimensions, including general satisfaction, claims handling and the breadth of coverage options.

• Chubb: MoneyGeek score of 94 out of 100 ($2,098 per year)
• Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,494 per year)

Chubb stands out in Garden Grove primarily due to its superior claims score and coverage options, which are the most weighted contributors to its high MoneyGeek score.

MoneyGeek found that Capital Insurance Group is the best option in Garden Grove for those seeking affordable yet dependable car insurance.

• Capital Insurance Group: MoneyGeek score of 80 out of 100 ($642 per year)
• GEICO: MoneyGeek score of 75 out of 100 ($488 per year)

Capital Insurance Group has a high score in customer satisfaction and claims handling. These factors contribute significantly to its overall score of 80.

In Garden Grove, California, drivers can expect to pay an average car insurance premium of $1,679 annually. This cost is more than the California state average of $1,562. Car insurance premiums are influenced by a myriad of factors, with location being one of the key determinants. Locations with higher rates of accidents, theft, and vandalism typically see higher insurance costs.

Rates can be lower in non-urban areas where traffic density is less. Analyzing the data from MoneyGeek, Santa Maria has the cheapest city premium in California at $1,251. Glendale stands out as the most expensive city with premiums reaching $2,433.