Garden Grove Insurance Rates:

Garden Grove, CA home insurance is nearly $539 to $728, about $44-$60/month. Our detailed research reveals consumers can save as much as $253 by comparing multiple quotes

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Garden Grove Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $560/6 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $440,000

3 Beds, 3 Baths 2010 sqft Seasonal Residence Constructed In 1989 with Ceramic Tile Flooring, Composition Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Divorced Male who is Retired with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $480/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $270,000

3 Beds, 3 Baths 1280 sqft Vacation Property Constructed In 1980 with Carpet Flooring, Membrane Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $1120/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $460,000

4 Beds, 4 Baths 2180 sqft Rental Property Constructed In 1969 with Hardwood Flooring, Composition Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

59 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $300/2 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $845,000

5 Beds, 5 Baths 4750 sqft Vacation Property Constructed In 1984 with Hardwood Flooring, Metal Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

33 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $280/5 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $195,000

2 Beds, 2 Bath 930 sqft Seasonal Residence Constructed In 1979 with Carpet Flooring, Shingles Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Married Female who is a Freelancer with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $930/7 months for $500,000-$600,000 Coverage
Policy Holder Home Details :

Home Value : $510,000

4 Beds, 4 Baths 1787 sqft Primary Residence Constructed In 1975 with Linoleum, Composition Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Central Air Conditioning, Fireplace, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Married Male who is Retired with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

Garden Grove, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92845 $485,400 $660
92841 $400,500 $640
92844 $395,100 $640
92840 $381,200 $640
92843 $380,800 $630

Garden Grove Rates & Quotes Analysis:

Garden Grove Area Estimated House Insurance
Valencia Way, Jane Way, Eugene St, Barker St, Raffia Ct, Penn Way, la Dona Ave, W Henderson Pl, Jenny Ln, Anawood Way$626
S Willowbrook Ln, Johnston Rd, Haileigh St, Perrin Dr, Hardee Way, Rochelle Ave, Roselee Dr, Shapell St, Laird St, Kedge Ave$661
Ellery Dr, W Lorane Way, Finchley Ave, Ale Ln, Starboard St, Monte Carlo Dr, Balos Dr, Wickham Pl, W Sim Pl, Poes St$619
Tristan Dr, Dove Ct, Casa Grande Ave, Iris Dr, Samura Ln, Almondine Dr, Seacrest Cir, Stonegate Ln, Marble Cir, Dorothy Ave$649
Ravenna Ln, Libby Ln, Melody Cir, Hibiscus Dr, Kent St, Boyd Ave, Elizabeth Ln, Belfast Dr, Glen Cove Dr, Bay Hill Ct$622
Juniper Ct, Jola Ln, Earle Dr, Richmond Ave, Eleanor Dr, Whitney Cir, W Convention Way, Autumn Ln, W Tonia Pl, Poppy Dr$623
Dapplegrey Rd, Haven Ln, Troy St, Camo Bluff Ct, Banner Dr, Bradford St, Deanann Pl, Firebrand Cir, Arden St, Richmond Ave$625
Seneca Dr, Medina Dr, Aldgate Ave, Bobby Ln, Tobie St, Pearce St, Los Altos St, Strathmore Dr, Olympus Dr, Heidi St$631
Biscayne Blvd, Persimmons Cir, Agnes Stanley St, Stratford Way, Bently Ave, Capri Dr, Andy Reese, Elizabeth St, Orrway Dr, Cobalt Ct$635
Topaz Cir, McKinley Cir, Reva Dr, Linnell Ave, Malibu Dr, N Newhope St, Garden Dr, Stratford Ave, Pleasant Pl, Spinnaker St$631

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,063 Homes (16% of total) built between 1970 to 1979 in Garden Grove are paying home insurance between $1,026-$1,035 in contrast with Westminster (+$13), Fountain Valley (+$51), Cypress (+$26), Stanton (-$34) and Midway City (-$11).
  • Bedrooms: 11,499 2 bedrooms homes (24% of total homes ) in Garden Grove are paying about $190. Areas near to Garden Grove such as Fountain Valley, Los Alamitos, Huntington Beach are costlier by $3, $10, $5 respectively whereas Stanton and Westminster are more economical by $6, $4 respectively for similar homes.
  • Auto Insurance Bundling: 10,820 Households (41% of all households) in Garden Grove have 3 or more vehicles available and when it is bundled with home insurance you can save $158 in contrast with Stanton ($153), Westminster ($160), Midway City ($156).
  • Senior Discounts: 11,430 seniors (more than 55 years) occupied housing units (44% of total) in Garden Grove get discounts between $94 to $97 in contrast with Stanton ($91), Westminster ($96), Midway City ($93).
  • New Homes discounts: New homes such as the 21,116 homes built between 2000 to 2009 in Garden Grove can save $126 and similar new home insurance discounts in nearby towns and cities like Stanton, Westminster and Midway City are $122, $128 and $125 respectively.

Garden Grove Homeowners insurance Facts

  • Garden Grove, CA has 25,831 owner occupied houses which is 56.2% of all units whereas Stanton, Westminster and Midway City have 49.6%, 54.88% and 43.68% respectively.
  • Garden Grove, CA homeowners yearly insurance price at $633 is 0.15% of the typical house value of $412,000 which is in contrast with 0.22% in Stanton, 0.14% at Westminster & 0.17% in Midway City.
  • Homeowners in Garden Grove, CA pay 1.15% of their income ($50,000 to $59,999) in insurance whereas homeowners in Stanton, Westminster and Midway City pay 1.11%, 1.17% and 1.14% respectively.
  • Garden Grove, CA’s insurance is 2.4% of monthly housing costs of $2,181/month, for owners with a mortgage compared to 2.67% in Stanton, 2.32% at Westminster & 2.66% in Midway City. But, for households without a mortgage, insurance is 13.9% of costs ($380 in Garden Grove, CA) in contrast with 11.38% in Stanton, 11.9% at Westminster & 17.1% in Midway City.

Garden Grove, CA Home Values & Insurance rates

For example, insurance for 890 Homes (7.0% of total homes ) valued between Less than $50,000 in Garden Grove, CA is about $37. Rates in nearby areas in such as Westminster, Fountain Valley, Cypress are cheaper by $5, $11, $12 respectively while Stanton and Santa Ana are costlier by $11 and $6 respectively for similar homes.

Garden Grove, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 890 7.0% $37
$60,000 to $69,999 127 1.0% $94
$150,000 to $174,999 309 2.0% $246
$175,000 to $199,999 207 1.0% $284
$200,000 to $249,999 1,102 9.0% $341
$250,000 to $299,999 1,572 13.0% $417
$300,000 to $399,999 7,236 60.0% $531

Renters Insurance in Garden Grove

  • Average Renters Insurance in Garden Grove :  $128($10/month)

  • Median Gross Rent in Garden Grove :  $1,330

  • Garden Grove Renters Insurance to Median Rent Ratio:  0.75%

  • Renter occupied housing units in Garden Grove :  20,100

Garden Grove Renters Insurance as a Percentage of Rent

Garden Grove Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 550 2.0% $782
$300 to $499 699 3.0% $1232
$500 to $749 705 3.0% $1907
$750 to $999 2,300 11.0% $2657
$1,000 to $1,499 8,656 44.0% $3782
$1,500 or more 6,403 32.0% $5432

Rent Affordability in Garden Grove:

Approximately 54.0% (10,870) of households are spending more than 35% of their income on gross rent in Garden Grove

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,238 6.0%
15.0 to 19.9 percent 1,661 8.0%
20.0 to 24.9 percent 2,034 10.0%
25.0 to 29.9 percent 2,463 12.0%
30.0 to 34.9 percent 1,834 9.0%
35.0 percent or more 10,870 54.0%

Garden Grove Renters Insurance Discounts:

Garden Grove Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Garden Grove, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 6,949 34.0% $12.8
2 vehicles available 7,103 35.0% $19.2
3 or more vehicles available 3,985 19.0% $25.6

Garden Grove Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 1,412 7.0% $133
60 to 64 years 1,200 5.0% $106
65 to 74 years 1,310 6.0% $86
75 years and over 1,279 6.0% $66

Protective device discount in Garden Grove Up to :  $19

Claims-free discount in Garden Grove Up to :  $25

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