Compare Garden Grove, CA Car Insurance Rates (2021)

The average annual car insurance rates in Garden Grove, CA are around $3,910 ($325/mo). The cheapest car insurance company in Garden Grove, CA is USAA, and GEICO is the second cheapest, although rates will vary for each person. Garden Grove, CA car insurance must meet the state minimum requirements with coverage levels of 15/30/5 for liability. Compare Garden Grove, California auto insurance rates online to get the best price for you.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Mar 4, 2021

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Here’s What You Need To Know

  • The average annual car insurance rate for Garden Grove, CA is $3,910
  • The cheapest car insurance company in Garden Grove, CA is USAA, and the second cheapest is GEICO
  • Garden Grove, CA rates are affected by the traffic that is shared with Anaheim as well as Los Angeles
  • The average commute time for Garden Grove is 27.7 min

Garden Grove, CA average annual car insurance rates are about $400 higher when compared to the state average. They are about the same as Anaheim rates and about $1,400 cheaper than Los Angeles rates.

You can save on Garden Grove, California car insurance by shopping around, comparing rates, and looking for discounts, and we can help. Below you’ll find information on cheap car insurance in Garden Grove, California for every age, credit history, and driving record.

Ready to find affordable car insurance in Garden Grove, CA? Enter your ZIP code above to get started.

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

The cheapest car insurance company in Garden Grove, based on average rates, is USAA which offers car insurance only to military affiliates. GEICO offers the second-cheapest rates.

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

  • USAA – $2,821
  • GEICO – $2,926
  • Progressive – $3,006
  • Liberty Mutual – $3,104
  • Travelers – $3,616
  • State Farm – $4,500
  • Allstate – $4,867
  • Nationwide – $5,059
  • Farmers – $5,287

There are a lot of factors that determine your car insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

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

All Garden Grove drivers have to meet the California state law minimum requirements to buy car insurance.

In California, you have to carry at least:

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

It’s recommended that most drivers carry more than the state minimum.

What affects car insurance rates in Garden Grove, CA?

Garden Grove is the 29th largest city in California and about a 15 min drive from Anaheim and about a 40 min drive from Los Angeles. Let’s take a look at how Garden Grove auto insurance rates compare to other cities in California.

Beverly Hills, CA — $6,188 (most expensive)
Anaheim, CA — $3,804
Garden Grove, CA — $3,910
Los Angeles, CA — $5,345
Los Ranchos, CA — $2,731 (cheapest)

INRIX doesn’t rank Garden Grove or Anaheim but does rank Los Angeles which is about an hour away. INRIX ranks Los Angeles as the 6th most congested city in the U.S. Garden Grove is south of Anaheim and southeast of Los Angeles, so traffic heading to a larger city can affect auto insurance rates.

City-Data reports an average commute time for Garden Grove is 27.7 minutes.

Car theft in Garden Grove also affects rates. The FBI’s most recent annual statistics list 657 car thefts in a city population of 175,466. That’s a rate of 374 cars stolen per 100,000 population.

Garden Grove, CA car Insurance: The Bottom Line

Garden Grove has above-average car insurance rates compared to other cities of its size in California, but you can still save by shopping around and comparing.

Before you buy car insurance in Garden Grove, CA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Garden Grove, CA car insurance quotes.

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Average Monthly Car Insurance Rates by State