Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Gardena, CA are $343/month
  • The cheapest car insurance company in Gardena after a DUI is Liberty Mutual
  • The cheapest car insurance company in Gardena for teen drivers is USAA

Average car insurance rates in Gardena, California are $343 a month. But with a little research you can get a great deal from the top car insurance companies in Gardena, CA. Before you buy Gardena, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Gardena car insurance rates with Sacramento car insurance rates, San Francisco car insurance rates, or Los Angeles car insurance rates to make sure you’re getting the best Gardena, CA car insurance quotes available.

Need affordable Gardena, CA car insurance? Enter your ZIP code to compare Gardena car insurance quotes from multiple car insurance companies near you.

Gardena, CA Minimum Car Insurance Coverage

Gardena, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Gardena, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Gardena, CA Car Insurance Rates by Coverage Level

Some Gardena drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Gardena, California car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Gardena, California

Insurance Company Low Medium High
Allstate $4,914 $5,242 $5,436
Farmers $5,435 $5,917 $6,253
GEICO $2,702 $3,034 $3,260
Liberty Mutual $3,054 $3,358 $3,564
Nationwide $4,521 $5,185 $5,574
Progressive $2,783 $3,182 $3,312
State Farm $4,288 $4,879 $5,220
Travelers $3,280 $3,920 $4,231
USAA $2,562 $2,901 $3,064

Gardena, CA Car Insurance Rates by Age, Gender, and Marital Status

Gardena, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Gardena, CA car insurance, get quotes from multiple car insurance companies in the Gardena area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Gardena, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,333 $3,326 $2,422 $2,444 $9,352 $11,746 $4,275 $4,681
Farmers $3,193 $3,193 $2,892 $2,892 $10,178 $16,597 $3,784 $4,217
GEICO $1,855 $1,855 $1,744 $1,744 $5,655 $5,747 $2,666 $2,722
Liberty Mutual $2,531 $2,376 $2,372 $2,290 $5,448 $5,872 $2,830 $2,881
Nationwide $3,577 $3,411 $3,147 $2,962 $9,115 $10,086 $4,255 $4,193
Progressive $1,934 $1,992 $1,639 $1,950 $5,173 $6,249 $2,794 $3,007
State Farm $3,778 $3,778 $3,375 $3,375 $6,941 $8,636 $4,176 $4,302
Travelers $2,822 $2,725 $2,489 $2,464 $5,946 $6,755 $3,684 $3,598
USAA $2,037 $1,928 $1,989 $1,995 $4,653 $4,670 $2,812 $2,655

Gardena, CA Car Insurance Rates for Teens

How much is Gardena, California car insurance for teens? Compare rates from top Gardena car insurance companies below to help find the cheapest teen car insurance in Gardena, CA.

Annual Car Insurance Rates for Teen Drivers in Gardena, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,352 $11,746
Farmers $10,178 $16,597
GEICO $5,655 $5,747
Liberty Mutual $5,448 $5,872
Nationwide $9,115 $10,086
Progressive $5,173 $6,249
State Farm $6,941 $8,636
Travelers $5,946 $6,755
USAA $4,653 $4,670

Gardena, CA Car Insurance Rates for Seniors

Before seniors buy Gardena, California car insurance, they should make sure to shop around. Some Gardena, CA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Gardena, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,422 $2,444
Farmers $2,892 $2,892
GEICO $1,744 $1,744
Liberty Mutual $2,372 $2,290
Nationwide $3,147 $2,962
Progressive $1,639 $1,950
State Farm $3,375 $3,375
Travelers $2,489 $2,464
USAA $1,989 $1,995

Gardena, CA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Gardena, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Gardena.

Annual Gardena, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,118 $5,282 $8,291 $4,099
Farmers $4,343 $5,911 $7,353 $5,866
GEICO $2,095 $3,242 $4,059 $2,599
Liberty Mutual $2,887 $3,863 $3,492 $3,059
Nationwide $3,550 $4,556 $7,710 $4,556
Progressive $2,022 $3,439 $3,994 $2,914
State Farm $3,420 $4,080 $7,710 $3,970
Travelers $2,514 $4,164 $4,819 $3,745
USAA $1,887 $2,811 $4,604 $2,068

Gardena, CA Car Insurance Rates With a DUI

Even a single DUI can increase your Gardena, CA car insurance rates. Compare rates below to see which Gardena car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Gardena, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,291
Farmers $7,353
GEICO $4,059
Liberty Mutual $3,492
Nationwide $7,710
Progressive $3,994
State Farm $7,710
Travelers $4,819
USAA $4,604

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Gardena, CA Car Insurance Rates by ZIP Code

Just like Gardena car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Gardena, CA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Gardena, California

ZIP Code Average Annual Rates
90247 $5,718
90249 $5,821

Gardena, CA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Gardena, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Gardena companies based on commute time.

Annual Car Insurance Rates by Commute Length in Gardena, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,688 $5,707
Farmers $5,323 $6,414
GEICO $2,724 $3,273
Liberty Mutual $3,050 $3,600
Nationwide $4,495 $5,692
Progressive $2,806 $3,379
State Farm $4,618 $4,973
Travelers $3,425 $4,196
USAA $2,619 $3,066

Gardena, CA Cheapest Car Insurance Rates

How do the top Gardena, California car insurance companies’ average rates stack up against the Gardena average monthly car insurance rates of $343? Take a look and see.

Best Annual Car Insurance Rates by Company in Gardena, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Gardena, CA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Gardena, California car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Gardena, California

Insurance Company Average Annual Rates
Allstate $5,197
Farmers $5,868
GEICO $2,999
Liberty Mutual $3,325
Nationwide $5,093
Progressive $3,092
State Farm $4,795
Travelers $3,810
USAA $2,842

Other Factors Affecting Gardena, CA Car Insurance Rates

Before you buy Gardena, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Gardena, CA Car Theft Rates

The car theft rate in Gardena, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Gardena, California is 315 stolen cars.

Gardena, CA Commute Time

How does your Gardena, CA commute time compare with the average driver? In Gardena, the average commute is 28.6 minutes.

Gardena, CA Car Insurance Quotes

Compare Gardena, CA car insurance quotes from multiple companies by entering your ZIP code now.