Gardena, CA Car Insurance

On average, Gardena drivers pay around $59 a month for their car insurance. Check out our guide below to find out how much you'll pay.
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What rates should residents of Gardena expect to pay for their car insurance? How do rates in Gardena measure up compared to neighboring areas, including California as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

How much is car insurance in Gardena?

Area Average Monthly Car Insurance Premium
Gardena$59
CA$56
United States$80

Looking at the chart above, you can see that the average monthly price is about the same in Gardena as it is in the rest of California.

Drivers relocating from out of state may enjoy some cost savings in Gardena. You can expect to pay about $21 less for your policy in Gardena than in the rest of United States.

Bear in mind that while these are the average car insurance rates for Gardena, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But don't worry, we've broken down the average rate for Gardena residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!


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Gardena Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$85
25-34$55
35-44$53
45-54Not Enough Data
55-64$53
65+$55

It makes sense that older drivers would have more experience behind the wheel. It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement age, however, your rates may climb back up in Gardena.

Gardena Car Insurance Rates by Gender

Gender Average
Male$59
Female$58

In general, car insurance rates for women are usually cheaper than they are for men. In Gardena, although women do pay slightly less on their monthly auto insurance coverage, the cost is about the same for either group.

Gardena Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$71
Multiple Accidents$49
1 Ticket$76
Multiple Tickets$120

Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Gardena, a driving record with a single accident will usually get you a rate around $71 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $76.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Gardena Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$56
2-3 Years$66
4-5 Years$57
6-7 Years$54
8-10 Years$60
11-14 Years$61
15 Years or Older$58

As you can see in the first table above, the cheapest vehicles to insure in Gardena are usually trucks and vans, which run about $50 per month.

Car owners, on the other hand, typically pay around $59 per month, while SUV drivers can expect to pay about $60 a month to insure their vehicle.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Gardena, vehicles two-to -three years old are the most expensive to insure.

Gardena Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$62
Married$49
Divorced$47
Widowed$54

Overall, those who have settled down into marriage will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

According to the table above, the difference in rates based on relationship status in Gardena can be as much as $13 a month, so it's worth taking into consideration.

Gardena Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$56
Rent$57
Live with parents$89

One other element taken into consideration is your living accommodations. Renters can expect to pay around $1 a month more than homeowners in Gardena. But if you live with your parents, you can expect to pay a lot more.

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

Car Insurance Companies in Gardena, CA

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.

The rates for car insurance in Gardena had been decreasing from 2017-2018, before steadying out in 2019. Policy premiums decreased again, hitting a low of $52 in 2021, before finishing up at $58 in 2022.

How does Gardena compare to neighboring areas?

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

Car insurance companies will take into account a number of factors when deciding how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:

  • General road safety (how many accidents each locality has)
  • Crime levels
  • Laws
  • Off-street parking availability
  • Amount of drivers in the region

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 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.

But wait! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Gardena.


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Gardena Auto Insurance FAQs

What factors affect car insurance quotes in Gardena?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

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

Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Gardena?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Gardena or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

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