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.

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Last Updated: 5/16/2022
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On average, Esurance has the cheapest insurance in Garden Grove, including for drivers with a ticket. Progressive, though, is the cheapest for state minimum coverage. USAA is an excellent choice for eligible military families. MoneyGeek found AAA is the best for balancing cost and customer service in Garden Grove. Your best choice depends on your profile and coverage needs.

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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 are:

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

USAA has a full coverage policy for eligible military members at roughly $1,208 annually.

Any drivers looking for an affordable full coverage policy will find Esurance is the best in Garden Grove. Its policy is around 79% cheaper than Allied’s, the city’s priciest at roughly $1,927 annually.

A full coverage policy includes liability insurance and comprehensive and collision insurance. The liability limits determine the premium.

Cheapest Car Insurance in Garden Grove
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $1,073
  • 2.
    Progressive
    $1,183
  • 3.
    USAA
    $1,208
  • 4.
    GEICO
    $1,292
  • 5.
    AAA
    $1,338
  • 6.
    Allstate
    $1,420
  • 7.
    MetLife
    $1,513
  • 8.
    Mercury
    $1,546
  • 9.
    State Farm
    $1,614
  • 10.
    Hartford
    $1,632
  • 11.
    Farmers
    $1,684
  • 12.
    Travelers
    $1,739
  • 13.
    Allied
    $1,927

MoneyGeek gathered prices based on a 40-year-old male driver’s profile looking for a full coverage policy in Garden Grove, as specified in our methodology.

A full coverage policy comes with liability and two very valuable additional coverages that protect damage to your car:

  • Collision insurance: covers damages from an at-fault collision
  • Comprehensive insurance: covers any damages that are not related to collision and theft

The age of your car could make a full coverage policy cost more than the car’s value. In such cases, a state minimum policy or liability-only may be better and cost less.

Compare Car Insurance Rates in Garden Grove

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Garden Grove for Minimum Coverage

Garden Grove drivers who want the cheapest car insurance should choose a minimum coverage policy. On average, the companies with the cheapest minimum coverage in Garden Grove are:

  • Progressive: $528 per year
  • GEICO: $560 per year

USAA, open to military members, offers the cheapest minimum coverage policy in Garden Grove at around $522 annually.

Allied is the most expensive in Garden Grove for minimum coverage, at roughly $925 annually, almost $400 more than Progressive.

A minimum coverage policy is the most affordable in Garden Grove but has low liability limits and no comprehensive or collision coverage, putting you at risk.

Toggle the table below to see how much higher liability limits may cost.

Cheapest Minimum Liability Car Insurance in Garden Grove
State Minimum

A state minimum policy in Garden Grove is the cheapest option available. It includes California’s requirement of 15/30/5 in liability limits plus uninsured motorist of 15/30 with $3,500 in property damage coverage. The trade-off for the low price is that you may pay out of pocket in an accident.

For example, you cause an accident resulting in $25,000 in medical bills for the other driver, the policy only covers $15,000 per person, leaving you to pay $10,000.

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.

Cheapest Car Insurance in Garden Grove if You Have Driving Violations

Drivers with a violation, such as a DUI, ticket or at-fault accident, pay a more expensive premium in Garden Grove. On average, the companies with the cheapest rates after a violation in Garden Grove are:

  • Cheapest after a ticket: Esurance, $1,362 per year
  • Cheapest after an at-fault accident: Esurance, $1,691 per year
  • Cheapest after a DUI: Mercury, $2,530 per year

USAA, open to eligible military families, has the cheapest rate with a ticket at roughly $1,322 annually.

Drivers with violations in Garden Grove can get a lower rate by improving their driving record over time. Until then, find a cheap rate by comparing companies and choosing the best deal.

Cheapest Car Insurance in Garden Grove With a Violation
Speeding Ticket

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.

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.

Compare Car Insurance Rates in Garden Grove

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Garden Grove

MoneyGeek ranked the best companies in Garden Grove for drivers looking to balance cost and service quality. The best car insurance companies in Garden Grove, 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 Garden Grove from MoneyGeek's rating system. For eligible military members, veterans and their families, it is the best overall.

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


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:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

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:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

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:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

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

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.

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.