Garden Grove, CA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Garden Grove, CA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Top 5 Popular Car Insurance Companies in Garden Grove, CA
The average cost of auto insurance in Garden Grove, CA, is $1,638. This is much lower than the cost of auto insurance in neighboring places such as Midway City and Los Alamitos and lower than the cost of auto insurance in neighboring places such as Westminster, Fountain Valley, and Santa Ana.
STATE FARM:
State Farm occupies the first spot with a massive 4,106,038 direct premiums written and 4,090,146 direct premiums earned. The company holds a market share of 13.74% in California. State Farm received a score of 808/1000 in the J.D. Power Auto Insurance Study. One only needs to go as far as State Farm’s online faculty for an overview of the various insurance coverages they provide. The company is credited with a solid rating of A++ by A.M. Best.
FARMERS:
Farmers occupies a market share of 10.68% in California. The company has 3,191,341 direct premiums written, and 3,189,468 direct premiums earned. The ease of navigating the Farmers website is an added advantage. Farmers ranks a tad low on the J.D. Power Auto Insurance Study with a score of 805/1000. A.M. Best has given Farmers an A rating for its financial strength in the markets.
GEICO:
With 2,897,713 direct premiums written and 2,794,052 direct premiums earned, GEICO is a close third. The company has a market share of 9.69 % in California and enjoys an A.M. Best Rating of A++. GEICO received a score of 825/1000 on the J.D. Power Auto Insurance Study, and also received the “Better Than The Most” tag.
ALLSTATE:
Allstate has 2,687,887 direct premiums written and 2,640,022 direct premiums earned in California. Allstate occupies the fourth spot with a market share of 8.99%. The company was one of the leading insurance providers in the auto insurance market back in 2010. Allstate has a J.D. Power Auto Insurance score of 808/1000 and an A.M. Best Rating of A+.
AAA:
AAA enjoys the “Better Than The Most” tag, alongside a J.D. Power score of 834/1000. The company occupies a market share of 8.69%. AAA offers Umbrella Liability Insurance and enjoys an A.M. Best Rating of A. It has 2,598,340 direct premiums written, and 2,470,179 direct premiums earned.
Factors that can influence the cost of car insurance in Garden Grove, CA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Garden Grove, CA Auto Insurance Rates
- Garden Grove, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Garden Grove, CA
- Multi Vehicle Insurance Savings in Garden Grove, CA
- How Credit Score Affects Car Insurance Rates in Garden Grove, CA
- How DUI Affects Auto Insurance Premiums in Garden Grove, CA
- Top Auto Insurance Agents Near Garden Grove, CA
- How Driving Violations Affect Auto Insurance Rates in Garden Grove, CA
- Garden Grove, CA Auto Insurance Discounts on Anti Theft Feature
- Garden Grove, CA Auto Insurance Company Reviews
Garden Grove, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Garden Grove, CA with that of other cities in and around Garden Grove.
| Garden Grove | Midway City | Westminster | Fountain Valley | Santa Ana | Los Alamitos | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,638 | $1,904 | $1,595 | $1,511 | $1,531 | $2,027 |
Garden Grove, CA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Garden Grove, CA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Garden Grove | $1,760 | $1,487 |
| Stanton | $1,566 | $1,322 |
| Westminster | $1,185 | $1,001 |
| Midway City | $1,909 | $1,612 |
| Fountain Valley | $1,640 | $1,385 |
| Cypress | $1,103 | $932 |
| Santa Ana | $1,808 | $1,527 |
| Los Alamitos | $1,167 | $986 |
Garden Grove, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Garden Grove, CA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $5,315 |
| 20 Years | $2,105 |
| 30 Years | $1,621 |
| 40 Years | $1,560 |
| 50 Years | $1,444 |
| 60 Years | $1,464 |
| 70 Years | $1,705 |
Garden Grove, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Garden Grove, CA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,817 | $459 |
| 3 Vehicles | $4,226 | $688 |
| 4 Vehicles | $5,635 | $917 |
Savings on 2 Vehicles bundle:$459
Savings on 3 Vehicles bundle:$688
Savings on 4 Vehicles bundle:$917
Garden Grove, CA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Garden Grove, CA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Garden Grove | $1,638 | $4,033 |
| Stanton | $1,604 | $3,949 |
| Westminster | $1,595 | $3,927 |
| Midway City | $1,904 | $4,688 |
| Fountain Valley | $1,511 | $3,720 |
| Cypress | $1,567 | $3,858 |
| Santa Ana | $1,531 | $3,770 |
| Los Alamitos | $2,027 | $4,991 |
Garden Grove, CA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,405 |
| Excellent (740-799) | $1,604 |
| Good (670-739) | $1,707 |
| Average (580-669) | $2,227 |
| Poor (300-579) | $2,672 |
Garden Grove, CA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Insurance Center Associates | Liberty Mutual Independent | 1622 S GAFFEY ST, SAN PEDRO, 90731 | (310) 832-5311 |
| Alex Mora | State Farm | 634 S Brookhurst St, Anaheim, 92804-3546 | 714-635-8000 |
| Keith Ahn | State Farm | 9438 Garden Grove Blvd, Garden Grove, 92844-1453 | 714-530-5088 |
| Mike Tadros | Allstate | 2601 W Ball Rd Ste 103, Anaheim, 92804 | (714) 229-6900 |
| Paul Mantellino | State Farm | 838 W 9th St, San Pedro, 90731-3604 | 310-547-3338 |
| Brian Burgess | State Farm | 20365 Beach Blvd, Huntington Beach, 92648-4348 | 714-536-2000 |
| Andy Rhone | State Farm | 234 E Yorba Linda Blvd Ste A, Placentia, 92870-3445 | 714-524-0011 |
| Shannon Purmalis | State Farm | 891 Baker St Ste A8, Costa Mesa, 92626-4353 | 714-957-6666 |
| Ken Babb | State Farm | 10810 Walker St, Cypress, 90630-5011 | 714-827-2233 |
| Del Johnson | State Farm | 2642 N Los Coyotes Diag, Long Beach, 90815-1355 | 562-982-1444 |
| Western Republic Ins Services | Liberty Mutual Independent | 19900 BEACH BLVD STE F1, HUNTINGTON BEACH, 92648 | (888) 467-1718 |
Garden Grove, CA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$72 | $1,710 |
| Driver's Failure In Showing Documents | +$159 | $1,797 |
| Driving With An Expired Registration | +$169 | $1,807 |
| Driving At A Considerably Slow Pace | +$355 | $1,993 |
| Using A Cellphone While Driving | +$375 | $2,013 |
| Running A Red Light | +$382 | $2,020 |
| Speeding | +$401 | $2,039 |
| Driving A Vehicle Without The Required Permission | +$509 | $2,147 |
| Driving With An Expired/Suspended License | +$1,104 | $2,742 |
Garden Grove, CA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,572 |
| Active Disabling Device | $1,572 |
| Tracking Device | $1,540 |
| Passive Disabling Device | $1,523 |
Latest Auto Insurance Reviews in Garden Grove, CA | Back to Top
State FarmI will be fair and go with 3 because they did not price me as high as many other insurance companies did and for that i am thankful . But not all the way satisfied .
ProgressiveMy deductible is the standard $500 so I feel that could be improved but it seems to be that is what most companies offer so I feel it is mostly competitive with the others in the industry.
State FarmMy car insurance company offers what others do. They stay at the top of the competition.
State Farmi am recommend in the company in this car insurance is so good and very good and is very helpful , so i will shear the insurance matter
MetlifeMetLife offers the same options that I had previously with USAA. I was looking for a high deductible plan for liability coverage and roadside assistance. Metlife fulfilled my needs exceptionally well.
AllstateI would recommend this insurance for anyone who does not want to spend an arm and a leg just for basic coverage. It doesn't matter what your credit score is like either.
AllstateI would give the insurance a 5, due to the many problems that occured with my car. They had no problem covering cost.
Safeco InsuranceAlways enjoy working with this company. Every time we call they are most helpful with our claims. They will even come out to your house to sit one on one with you.
Alfa InsuranceOther auto insurers were not able to match the price that Amica provided. I have not had to make any claims but I am confident they would pay if i did
Alfa InsuranceOther auto insurers were not able to match the price that Amica provided. I have not had to make any claims but I am confident they would pay if i did
GeicoThe premium price for the coverage I have compares favorably to other car insurance companies I have contacted.
ProgressiveThe only disadvantage of the company is that the representatives does not know their future plans to be introduced by the insurance company.
The HartfordI like that the Hartford offers very competitive rates for policies that are comparable to other companies and that they offer very good service and are easy to deal with.
GeicoThere nothing to dislike about the company due to great service and cheap auto price. The only bad part is that the company doesn't provide any local agency to help you.
GeicoThe premium was good and stayed steady throughout my entire time with Geico. It was lower than other companies at the time of purchase.
Metromile Auto InsuranceI didn't like the payment method as they don't allow payments by credit card and only ACH payments so I need to ensure I have money in my a/c
ProgressiveI like the amount of coverage I'm receiving, in relation to the premium I'm paying. Via my employer, I'm aware of how some vehicle insurance providers lack, and how bad that can be to one's situation when the insurance is actually required. Progressive doesn't give me any of those concerns.
ProgressiveIt is cheaper than the other similar products.
GeicoI like Geico. for the most part, they are good. anytime I have had an issue they have been very helpful. there have been some small issues but nothing that makes me want to change.