Gardena, CA Car Insurance

The average cost for car insurance in Gardena is about $61 a month. Read our guide below to learn more about your specific rates.
What should residents of Gardena expect to pay for their car insurance? Are rates in Gardena higher or lower than those in neighboring areas? How do they compare to the rest of California? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Gardena?

Area Average Monthly Car Insurance Premium
Gardena$61
CA$56
United States$80

Based on the information in the chart above, you can see that on average, it's about $5 a month more expensive to insure your vehicle in Gardena than it is in the rest of California.

When stacked up against the national average, the average monthly policy payment for Gardena is more affordable. It's about $19 cheaper to insure your vehicle in Gardena compared to the average rate for the United States as a whole.

These rates may be the average amount drivers in Gardena pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. 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 worry, we've done the work for you and broken down the average rates for Gardena to help you understand what your monthly premium might be. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$86
25-34$59
35-44$55
45-54Not Enough Data
55-64$54
65+$50

The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Gardena may see their rates creep back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$62
Female$58

Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in average rates in Gardena totals about $4 per month. As illustrated in the table above, female drivers in the area pay about $58 on average, while male drivers pay around $62 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$73
Multiple Accidents$64
1 Ticket$95
Multiple Tickets$108

Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay much lower rates than those with accidents or violations. In Gardena, having a single accident on your record will usually get you rates around $73 a month. Likewise, drivers with one ticket will be looking at a rate of around $95 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$71
2-3 Years$68
4-5 Years$64
6-7 Years$52
8-10 Years$62
11-14 Years$61
15 Years or Older$59

The cheapest vehicles to insure in Gardena are typically trucks and vans, with each type typically costing about $48 per month.

Car owners, on the other hand, by and large pay around $63 a month, while SUV drivers can expect to pay about $60 per month for insurance coverage.

Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Gardena, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$65
Married$49
Divorced$46
Widowed$54

More often than not, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

The difference in rates based on relationship status in Gardena is about $16 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$56
Rent$60
Live with parents$90

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Gardena, expect to pay around $4 a month more than if you own property. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Gardena, CA

Recent trends in car insurance for Gardena drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The cost of auto insurance coverage in Gardena increased from 2016-2017, before steadying out in 2018. Policy premiums finished up in 2021, at $65 a month

How does Gardena compare to neighboring areas?

Why are car insurance rates in Gardena different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Many factors affecting your policy are based around your home address. These factors include things like:

  • Frequency of car accidents
  • Laws
  • Amount of drivers in the community
  • Crime rates
  • Amount of off-street parking

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Gardena?

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.

Fortunately, Compare.com can handle all of this for you. Just enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies offering plans in Gardena.

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Gardena Insurance FAQs

What factors affect car insurance quotes in Gardena?

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 address, credit score, driving record, and marital status.

Why is the cost of car insurance in Gardena different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Gardena?

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 Gardena?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?

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 Gardena 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.

Find your best rate in just a few minutes