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5+ years experience in personal finance writing
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Updated
Garden Grove sits just southwest of Anaheim in Orange County. The average cost of car insurance in Garden Grove, California, is $206 per month for full coverage and $108 for liability coverage. Rates are more expensive than in nearby Santa Ana, Cypress, and Fountain Valley.
Insurers consider several factors when setting Garden Grove car insurance rates. The city is home to about 9,576 people per square mile — nearly 38 times California’s statewide average, according to the U.S. Census Bureau — so there’s more potential for accidents on the roads. Garden Grove is also susceptible to flooding, which can damage vehicles and drive up insurance rates.[1]
Liability coverage in Garden Grove averages $108 per month. That’s more expensive than the state average of $97.
To drive legally in Garden Grove, you must meet California car insurance requirements: $30,000 for bodily injury liability per person, $60,000 per accident, and $15,000 for property damage liability.[2]
If you’re in an accident without insurance, you could lose your license for up to four years. You could get it back after the first year, though, by filing an SR-22 for the last three years.[3]
The table below shows quotes for cheap liability car insurance in Garden Grove, with the lowest rates from USAA.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $66 |
| Aspire General | $70 |
| GEICO | $70 |
| Sun Coast | $71 |
| Mercury | $73 |
| National General | $73 |
| Dairyland | $81 |
| Direct Auto | $86 |
| Root | $88 |
| Farmers | $93 |
| Anchor | $95 |
| State Farm | $101 |
| Bristol West | $102 |
| Kemper Special | $103 |
| Travelers | $106 |
| 21st Century | $115 |
| Kemper Rsvp | $115 |
| First Acceptance | $154 |
| Chubb | $180 |
Liability quotes start at $69/mo.
Aspire General offers the lowest full-coverage rates for Garden Grove drivers.
Garden Grove drivers may want to consider full coverage, which includes collision and comprehensive coverage. Collision coverage pays for vehicle damage after an accident, while comprehensive coverage pays for damage from fire, storms, theft, and vandalism.[4]
The city can experience storm flooding, according to the City of Garden Grove, and rainfall intensity is expected to increase with climate change. While full coverage costs more in Garden Grove than in other California cities, averaging $206 per month, it may be worth it for the extra protection.
You can compare quotes for cheap full-coverage car insurance in Garden Grove below.
Insurance Company | Average Monthly Quote |
|---|---|
| Aspire General | $122 |
| Root | $134 |
| GEICO | $140 |
| Mercury | $141 |
| USAA | $146 |
| Kemper Special | $159 |
| Kemper Rsvp | $163 |
| Sun Coast | $168 |
| Anchor | $177 |
| Dairyland | $196 |
| National General | $196 |
| Farmers | $207 |
| Direct Auto | $209 |
| Bristol West | $215 |
| State Farm | $224 |
| Travelers | $235 |
| 21st Century | $256 |
| First Acceptance | $340 |
| Chubb | $399 |
Expert’s insight
“Full coverage is going to be more expensive than a liability-only policy. But it may be worth it if you park on the street, live in an area with weather risks, have a loan or lease on your car, have a teen driver on your policy, or if you can’t afford to repair or replace your car after an accident.”
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Beverly Hills and Glendale are the most expensive cities in California for car insurance. Lompoc and Ridgecrest, on the other hand, are the cheapest in the state.
Garden Grove is on the higher side, slightly above the California state average — which is already more expensive than the national average. Fountain Valley and Cypress tend to offer lower rates, likely because they’re less densely populated, according to the U.S. Census Bureau.
Nearby Anaheim’s car insurance rates are more expensive than Garden Grove’s. The city has a larger population than Garden Grove.
The table below compares car insurance quotes in Garden Grove to those in other cities across the state.
City | Average Monthly Quote |
|---|---|
| San Luis Obispo | $103 |
| Lompoc | $105 |
| Chico | $107 |
| Hanford | $107 |
| Ridgecrest | $107 |
| Santa Cruz | $108 |
| Redding | $110 |
| Santa Maria | $111 |
| Woodland | $111 |
| Tulare | $115 |
| Visalia | $115 |
| Campbell | $116 |
| Poway | $116 |
| Palm Desert | $117 |
| Santee | $117 |
| Santa Barbara | $118 |
| La Mesa | $121 |
| La Quinta | $121 |
| Pacifica | $121 |
| Napa | $122 |
| Hollister | $123 |
| Cathedral City | $124 |
| Petaluma | $124 |
| Chula Vista | $125 |
| Santa Rosa | $125 |
| Brentwood | $126 |
| Dublin | $126 |
| San Marcos | $126 |
| Vista | $126 |
| Saratoga | $127 |
| Yuba City | $127 |
| Bakersfield | $128 |
| Fresno | $128 |
| Novato | $128 |
| San Diego | $128 |
| Temecula | $128 |
| Beaumont | $129 |
| San Clemente | $129 |
| Milpitas | $130 |
| Oceanside | $130 |
| Palm Springs | $130 |
| Lodi | $131 |
| Folsom | $132 |
| Hemet | $132 |
| Concord | $133 |
| Fremont | $133 |
| San Jose | $133 |
| San Ramon | $133 |
| Escondido | $134 |
| Lake Forest | $134 |
| Oxnard | $134 |
| Ceres | $135 |
| Palo Alto | $135 |
| West Sacramento | $135 |
| Camarillo | $136 |
| Fairfield | $136 |
| Redlands | $136 |
| Roseville | $136 |
| Aliso Viejo | $137 |
| Cupertino | $137 |
| National City | $137 |
| Menifee | $138 |
| Watsonville | $138 |
| El Cerrito | $139 |
| Elk Grove | $139 |
| Modesto | $139 |
| Santa Clara | $139 |
| Tracy | $139 |
| Citrus Heights | $140 |
| El Cajon | $140 |
| Laguna Niguel | $140 |
| Murrieta | $140 |
| Norco | $140 |
| Colton | $142 |
| Stockton | $142 |
| Wildomar | $143 |
| Placentia | $144 |
| San Mateo | $144 |
| Brea | $145 |
| Huntington Beach | $145 |
| Lathrop | $145 |
| Pittsburg | $145 |
| South San Francisco | $145 |
| Moreno Valley | $146 |
| Riverside | $146 |
| Thousand Oaks | $146 |
| Vallejo | $147 |
| Antioch | $148 |
| Chino | $148 |
| Hayward | $148 |
| Orange | $148 |
| Perris | $148 |
| Chino Hills | $149 |
| Corona | $149 |
| Cypress | $150 |
| Berkeley | $151 |
| San Leandro | $151 |
| Santa Ana | $151 |
| Newport Beach | $152 |
| Ontario | $152 |
| Irvine | $153 |
| Fountain Valley | $154 |
| Rialto | $154 |
| Sacramento | $154 |
| Hesperia | $155 |
| San Bernardino | $155 |
| Fontana | $157 |
| Garden Grove | $157 |
| Rancho Cucamonga | $157 |
| Victorville | $157 |
| La Mirada | $158 |
| Anaheim | $159 |
| San Pedro | $160 |
| Adelanto | $161 |
| Buena Park | $161 |
| Whittier | $162 |
| Azusa | $163 |
| Covina | $163 |
| La Puente | $163 |
| Simi Valley | $163 |
| Norwalk | $164 |
| Pomona | $165 |
| Torrance | $165 |
| Paramount | $166 |
| San Francisco | $166 |
| Diamond Bar | $167 |
| Long Beach | $168 |
| Oakland | $168 |
| Carson | $170 |
| Walnut | $172 |
| Cerritos | $174 |
| Lancaster | $174 |
| Richmond | $174 |
| Bell Gardens | $178 |
| Culver City | $179 |
| El Monte | $179 |
| Palmdale | $179 |
| Santa Clarita | $181 |
| Pasadena | $182 |
| Temple City | $184 |
| San Gabriel | $186 |
| Lynwood | $194 |
| Compton | $195 |
| Santa Monica | $197 |
| Inglewood | $200 |
| Burbank | $212 |
| Studio City | $217 |
| Los Angeles | $220 |
| Winnetka | $231 |
| Northridge | $240 |
| Reseda | $241 |
| West Hollywood | $246 |
| Glendale | $263 |
| Beverly Hills | $268 |
*Quotes generated for Insurify users in and around Garden Grove, California within the last 10 days. Last updated on August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Garden Grove, California within the last 10 days. Last updated on August 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Violations like a speeding ticket, at-fault accident, or driving under the influence (DUI) can add points to your California driver's license and raise your insurance rates.[5] Below are the cheapest car insurance companies in Garden Grove based on driving history.
Cheapest car insurance for Garden Grove drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Garden Grove: USAA
Cheapest car insurance for Garden Grove drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Garden Grove: USAA
Garden Grove saw 565 injuries and fatalities from collisions in 2023.[6] Since California is an at-fault state, the driver found responsible for a crash must cover the damages, according to the California Department of Motor Vehicles (DMV). Causing an accident can add a point to your driving record, and the DMV may suspend your license depending on the level of negligence.
A DUI conviction, on the other hand, can result in two points on your license in California. You must also complete a DUI program and maintain SR-22 insurance for three years. And you may face jail time and a fine of at least $390, according to the DMV.
Insurance companies typically charge more for incidents on your record because they see them as a sign of higher risk. You can compare average monthly quotes by driving record below.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $157 |
| Speeding ticket | $200 |
| At-fault accident | $201 |
| DUI | $214 |
Garden Grove may see a fair amount of tourist traffic since it’s located near the Disneyland Resort. The city launched a new shuttle service, Grove District Transit, connecting local hotels to the park.
Drivers should be cautious when parking on the street. Garden Grove has a 72-hour limit on street parking. If you leave your car longer than that, the city considers it an abandoned vehicle and may tow it away.
Flooding is another risk to consider. The eastern third of Garden Grove sits in FEMA Flood Zone A, which has a 1% chance of a major flood each year, according to city data.
California also had a higher rate of uninsured drivers than the national average in 2023.[7] That same year, Garden Grove ranked No. 24 out of 62 similarly sized California cities for hit-and-run crashes resulting in injuries or death, according to the California Office of Traffic Safety (OTS). Uninsured motorist coverage can protect you if a driver without insurance hits you or leaves the scene of a crash.
Garden Grove’s average commute time is 29 minutes, which is close to the state average, according to the U.S. Census Bureau. The 22 freeway, which runs east-west through the city, can experience congestion, especially near Harbor Boulevard and Valley View Street. More traffic can increase accident exposure and drive up insurance rates.
Garden Grove also takes driving under the influence seriously. Police run regular DUI checkpoints and received a $335,000 state grant to fund special enforcement in 2026.[8] Garden Grove ranked No. 6 out of 62 comparably sized California cities in 2023 for DUI arrests, according to the California OTS. A DUI on your record can substantially increase your auto insurance costs in Garden Grove.
Full-coverage quotes in Garden Grove start at $69/mo.
Young drivers in Garden Grove pay an average of $193 per month for liability coverage and may find the cheapest car insurance from USAA.
Drivers younger than 18 can carry a provisional driver’s license but can’t drive between 11 p.m and 5 a.m. for the first 12 months. They’re also not allowed to have passengers younger than 20 years old without a California-licensed driver who’s 25 or older.[9]
The table below compares affordable car insurance in Garden Grove for teen drivers.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $119 |
| Aspire General | $125 |
| GEICO | $125 |
| Sun Coast | $127 |
| Root | $131 |
| Mercury | $131 |
| Dairyland | $139 |
| National General | $143 |
| Direct Auto | $166 |
| Bristol West | $178 |
| Anchor | $180 |
| Farmers | $183 |
| Kemper Special | $184 |
| State Farm | $193 |
| 21st Century | $202 |
| Kemper Rsvp | $205 |
| Travelers | $217 |
| First Acceptance | $275 |
| Chubb | $363 |
Senior drivers in Garden Grove may find the best rates from USAA, with liability coverage averaging $57 per month.
About 16% of Garden Grove’s population is 65 or older, according to U.S. Census Bureau data. Although senior drivers pay some of the lowest car insurance rates, they can save even more by taking the DMV’s mature driver improvement course. California law requires insurers to reduce premiums for drivers 55 and older who provide proof of completion.[10]
You can compare the cheapest car insurance in Garden Grove for senior drivers below.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $55 |
| GEICO | $57 |
| National General | $59 |
| Mercury | $59 |
| Aspire General | $64 |
| Sun Coast | $64 |
| Dairyland | $70 |
| Direct Auto | $72 |
| Farmers | $76 |
| Anchor | $78 |
| State Farm | $82 |
| Root | $83 |
| Travelers | $87 |
| Bristol West | $87 |
| 21st Century | $93 |
| Kemper Special | $94 |
| Kemper Rsvp | $104 |
| First Acceptance | $140 |
| Chubb | $140 |
Garden Grove saw nearly 1.5 million vehicle miles driven daily in 2023, according to OTS data, which affects how much coverage costs in the city. These answers can help you better understand Garden Grove car insurance.
Auto insurance in Garden Grove averages $108 per month for liability coverage and $206 per month for full coverage — both higher than the state average. Your actual premium depends on your coverage limits, deductible, vehicle, driving record, and eligible discounts.
Although rates can vary, USAA offers the most affordable car insurance in Garden Grove, at an average of $69 per month. To find the best car insurance companies for you, get a quote from multiple insurers and compare pricing and coverage options.
Population density, storm flooding, and a high rate of uninsured motorists affect the cost of Garden Grove car insurance. Your age, driving history, and coverage selections also influence how much you pay.
Comparing coverage options and pricing from multiple insurers can help you find cheap Garden Grove car insurance. You should also look at what discounts companies offer — some may provide savings for certain vehicle safety features or for bundling auto with home insurance or renters insurance.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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5+ years experience in personal finance writing
Personal finance blogger
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
