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.
Compare the Cheapest Car Insurance Quotes in Garden Grove, CA
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.
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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.
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.
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:
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
- 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
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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
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.
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.
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