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Best Cheap Auto Insurance in Garden Grove, CA (2021)

Things to Remember

  • The cheapest auto insurance company in Garden Grove, CA is GEICO
  • California also offers low-cost auto insurance to drivers who meet certain requirements
  • Garden Grove drivers must meet state minimum insurance requirements

Auto insurance in Garden Grove, CA is much higher than the state average. As part of the greater Los Angeles area, traffic and theft rates contribute to the higher than average cost of car insurance.

Although California auto insurance is among the highest in the U.S., you can still find affordable auto insurance in Garden Grove, CA. Shop around and compare rates to find cheap auto insurance.

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Monthly Garden Grove, CA Car Insurance Rates by ZIP Code

Check out the monthly Garden Grove, CA auto insurance rates by ZIP Code below:

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Garden Grove, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Garden Grove, CA stack up against other top metro auto insurance rates? We’ve got your answer below.

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Enter your ZIP code now to compare auto insurance quotes for Garden Grove, CA.

What is the cheapest auto insurance company in Garden Grove, CA?

Although coverage is only offered to the military, veterans, and their family members, USAA actually has the lowest auto insurance rates in Garden Grove, CA. However, the auto insurance company with the lowest rates in Garden Grove that offers coverage to everyone is GEICO.

Which Garden Grove, CA auto insurance company has the cheapest rates? And how do those rates compare against the average California auto insurance company rates? We’ve got the answers below.

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The top auto insurance companies in Garden Grove, CA, ranked from cheapest to most expensive are:

  • USAA – $2,820.55
  • GEICO – $2,926.38
  • Progressive – $3,005.73
  • Liberty Mutual – $3,103.81
  • Travelers – $3,616.23
  • State Farm – $4,500.45
  • Allstate – $4,866.61
  • Nationwide – $5,059.43
  • Farmers – $5,287.10

The best company for you will depend on many different factors, such as age, marital status, driving record, ZIP code, and credit score. Gender is not allowed to be used to calculate auto insurance rates in California.

California also offers low-cost auto insurance for low-income drivers. The California Low-Cost Auto (CLCA) program offers very low coverage for drivers who meet certain requirements.

Garden Grove, CA auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Garden Grove auto insurance rates. Find the cheapest Garden Grove, CA auto insurance rates by coverage level below:

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Your driving record will play a major role in your Garden Grove auto insurance rates. For example, other factors aside, a Garden Grove, CA DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Garden Grove, CA auto insurance rates by driving record.

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Factors affecting auto insurance rates in Garden Grove, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Garden Grove, California auto insurance.

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These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. California does use gender, so check out the average monthly auto insurance rates by age and gender in Garden Grove, CA.

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What auto insurance coverage is required in Garden Grove, CA?

For drivers to drive lawfully, almost every state requires at least a certain amount of car insurance. The minimum auto insurance requirements in California for Garden Grove drivers are:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

These minimums are very low, and extra coverage should be considered by drivers. Such low minimums won’t completely protect you in a major accident, and you’ll be left to pay out of pocket for something not covered.

What affects auto insurance rates in Garden Grove, CA?

Although there are many different factors that affect your auto insurance rates, traffic and the amount of vehicle theft in your area can really push those rates up.

INRIX does not have specific information for Garden Grove but reports that Los Angeles, CA ranks sixth in the country for traffic congestion. Los Angeles also ranks 26th in the world for traffic congestion.

According to City-Data, drivers’ commutes are less than 25 minutes, they prefer to spend that time driving alone.

Vehicle theft is another factor that can affect car insurance rates. The FBI reports that 657 vehicles were stolen in Garden Grove. That means that one car was stolen for every 267 people.

Garden Grove, CA Auto Insurance: The Bottom Line

Auto insurance in Garden Grove, CA is expensive, but you may be able to qualify for low-cost insurance if you meet certain requirements.

Before you buy auto insurance in Garden Grove, CA, be sure to shop around and compare rates. Enter your ZIP code now to compare Garden Grove, CA auto insurance quotes.

References:

  1. https://inrix.com/scorecard-city/?city=Los%20Angeles%2C%20CA&index=26
  2. https://www.city-data.com/city/Garden-Grove-California.html
  3. https://ucr.fbi.gov/crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8-state-cuts/california.xls

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