Auto Insurance in Gardena (90249)
California · Expensive · 89th percentile statewide
Carrier Rates in 90249
6-month premiums from SERFF rate filings. Standard driver profile.
How 90249 Compares
Gardena (90249) is expensive for auto insurance in California, ranking in the 89th percentile.
The cheapest carrier is Farmers at $619/6mo — 69% less than the most expensive (State Farm at $2,023).
The median premium of $1,109 is 21% above the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Gardena (90249)?
The median 6-month premium in Gardena (90249) is $1,109 across 9 carriers. Premiums range from $619 to $2,023, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 90249?
Farmers offers the lowest rate in 90249 at $619/6mo. That's 69% less than the most expensive option (State Farm at $2,023/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance expensive in 90249?
Auto insurance rates in Gardena (90249) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Gardena ranks in the 89th percentile statewide, meaning it's expensive compared to other California ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in California
Want full rate data for 90249?
Access ZIP-level rate data across all 9 carriers, 1,745 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.