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How much is car insurance in Garden Grove?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Garden Grove is about $8 a month more expensive than the rest of California.
However, the expected monthly payments for an auto insurance policy in Garden Grove are below the national average. You can expect to pay about $16 below the national average for auto insurance in Garden Grove.
Although these are the average rates for auto insurance in Garden Grove, it's important to remember that you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Garden Grove residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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Garden Grove Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay $35 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. You may see your rates climb back up once you hit retirement in Garden Grove.
Garden Grove Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers to insure their car, Garden Grove actually goes against the grain. While female drivers pay $67 a month for auto insurance coverage, males only pay about $62.
Garden Grove Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Garden Grove, a driving record with a single accident will usually get you a rate around $70 a month. Likewise, drivers with one ticket will be looking at a rate of around $74 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Garden Grove Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$66|
|15 Years or Older||$62|
If you look at the first table above, the cheapest vehicles to insure in Garden Grove are by and large SUVs, trucks, and vans, at $57 per month.
Car owners, however, pay about $66 per month for car insurance coverage.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Garden Grove, vehicles eight-to-ten years old are the most expensive to insure.
Garden Grove Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$66|
Overall, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Garden Grove follows that pattern, with the difference totaling to around $8 a month.
Garden Grove Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$74|
Another factor taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $5 a month more than drivers who own property in Garden Grove. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Garden Grove, CA
Recent trends in car insurance for Garden Grove drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
Auto insurance rates in Garden Grove went up from 2017-2018, but leveled out in 2021. Rates have been decreasing since then and recently reached a low of $57 per month in 2022.
How does Garden Grove compare to neighboring areas?
Why are car insurance rates in Garden Grove different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate several factors. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Amount of off-street parking
- Crime rates
- Road Safety (how many accidents each locality has)
- Community laws
- Amount of drivers
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Garden Grove?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer policies in Garden Grove.
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Garden Grove Auto Insurance FAQs
What factors affect car insurance quotes in Garden Grove?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Garden Grove different from other neighboring cities?
Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Garden Grove?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Garden Grove?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Garden Grove or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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