Cheapest and Best Car Insurance in Garden Grove, CA (2023)

GEICO offers the cheapest minimum coverage policies in Garden Grove, according to the latest 2023 quotes. GEICO is also the best car insurance company overall, providing a blend of service and affordability.

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.

Cheapest + BestCar InsuranceGarden Grove

2023

Cheapest and Best Car Insurance in Garden Grove

Cheapest Overall - GEICO

Cheapest Full Coverage - GEICO

Cheapest After Driving Offense - National General

Cheapest for Teens - Farmers

Cheapest for Military - GEICO

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

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.

Age Group

Coverage

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.

Age Group

Coverage

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.

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.

Age Group

Coverage

Incident

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.

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.

Age

Gender

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.

Age Group

Coverage

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.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

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?

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?

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?

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 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.

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Cheapest and Best Car Insurance in Garden Grove, CA (2023)

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On This Page:

Cheapest Minimum Liability Car Insurance in Garden Grove

Cheapest Full Coverage Car Insurance in Garden Grove

Cheapest Car Insurance in Garden Grove After a Driving Offense

Cheapest Car Insurance in Garden Grove for Teens and Their Families

Cheapest Car Insurance in Garden Grove for Military Drivers

How to Compare Cheap Garden Grove Car Insurance Quotes Online

Best Car Insurance in Garden Grove: Summary

Best Overall Car Insurance in Garden Grove

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Garden Grove for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance Companies in Garden Grove

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Garden Grove