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How much is car insurance in Garden Grove?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of California are about $9 a month cheaper than the rates drivers pay in Garden Grove.
On the other hand, car insurance rates in Garden Grove are more affordable than the national average. The average monthly payment in Garden Grove is about $15 less than the rate for the rest of the United States.
Keep in mind that while these are the average car insurance rates for Garden Grove, it isn't guaranteed that it's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
Don't sweat it however, we've broken down average rates for Garden Grove residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates creep back up once you hit retirement age in Garden Grove.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance, this is not the case in Garden Grove, where female drivers pay around $6 more per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Garden Grove, having a single accident on your record will usually get you rates around $70 a month. In addition, drivers with one ticket can expect to pay around $79 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$69|
|15 Years or Older||$63|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Garden Grove, with drivers paying around $57 per month for insurance.
SUV drivers will see rates of about $61 for insurance coverage, while car owners usually pay around $67 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Garden Grove, for example, are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
Generally, married policyholders will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Garden Grove can be as much as $8 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$76|
One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $7 a month more than those who own their own home in Garden Grove. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Garden Grove, CA
Recent trends in car insurance for Garden Grove drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding before shopping for coverage.
Car insurance rates in Garden Grove increased from 2016-2018, before steadying out in 2019. They finished down in 2021, at $53 per month
How does Garden Grove compare to neighboring areas?
Why are car insurance rates in Garden Grove different from other areas?
Car insurance companies will take into account a number of factors when choosing how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Road Safety (total number of local car accidents)
- Community regulations
- Off-street parking access
- Crime levels
- Number of drivers in the area
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Garden Grove?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Garden Grove.
Garden Grove Insurance FAQs
What factors affect car insurance quotes in Garden Grove?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Garden Grove different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
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?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Garden Grove or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.