Gardena, CA Car Insurance

On average, Gardena drivers pay a monthly average rate of around $59 for their car insurance. To learn more about policy rates and coverage in the Gardena area, continue reading our guide below.
Map of cities where drivers can find cheaper car insurance
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How does Gardena compare to the surrounding area and the rest of California? What should residents of Gardena expect to pay for their car insurance? 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$81

According to the chart above, the rates you'll pay for coverage in Gardena are on par with what you would pay anywhere else in California.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Gardena is rather affordable. The average monthly payment in Gardena is about $22 less than the rate for the rest of the United States.

Although these are the average monthly costs for an auto insurance policy in Gardena, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium 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 the bill you'll see each month. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!


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Average 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+$54

The older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay $31 more than someone who is at retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may start to rise again in Gardena.

Average Car Insurance Rates by Gender

Gender Average
Male$59
Female$58

Car insurance rates for men are usually slightly more expensive than they are for women. While female drivers pay slightly less than male drivers on their monthly insurance rates, the difference in Gardena is only about $1 per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$74
Multiple Accidents$49
1 Ticket$78
Multiple Tickets$125

Your rates can change quite drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Gardena, a driving record with one accident will usually get you a rate around $74 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $78.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average 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

If you look at the first table above, the cheapest vehicles to insure in Gardena are by and large trucks and vans, at $51 per month.

Car and SUVs, however, both cost about the same amount for auto insurance coverage -- around $60 a month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Gardena are vehicles two-to -three years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$62
Married$48
Divorced$46
Widowed$54

Overall, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Gardena as well, where the difference is around $14 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$55
Rent$57
Live with parents$89

Your living situation is another factor that affects your monthly rate. Renters can expect to pay around $2 a month more than homeowners in Gardena. Those who live with their parents, however, can expect to pay a lot more.

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

Car Insurance Companies in Gardena, CA

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.

In Gardena, auto insurance rates declined from 2017-2018, before steadying out in 2019. Insurance rates decreased again, hitting a low of $52 in 2021, and finishing up at $63.

How does Gardena compare to neighboring areas?

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

When considering how much to charge for coverage, car insurance companies will review several factors. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:

  • Crime rates
  • Off-street parking availability
  • Road Safety (frequency of car accidents)
  • Total number of drivers in the community
  • Regional laws

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. 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?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But hold on! 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 several of the car insurance companies that offer 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 credit score, address, marital status and driving record.

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

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws 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 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?

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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