Hawaiian Gardens drivers can compare car insurance quotes from multiple California carriers, even in a city of less than one square mile.
How Much Does Car Insurance Cost in Hawaiian Gardens?
Prices here are shaped most by your driving record, annual mileage and years of experience, with ZIP code 90716 as one optional factor. Vehicle theft is also worth knowing about, since Hawaiian Gardens police logged about 4.6 thefts per thousand people in 2025, compared with a state average of about 3.2.
| Factor | Hawaiian Gardens | California |
|---|---|---|
| Average commute | 27 min | 29 min |
| Homes with 2+ cars | 61% | 63% |
| Car thefts per 1,000 | 4.6 | 3.2 |
| ZIP codes | 1 |
Why Hawaiian Gardens Drivers Compare Quotes With A1
Carriers weigh the same local factors differently, so the same driver can get quite different quotes for the same coverage. Instead of calling each company, let A1 gather free quotes from several California carriers for you.
About Hawaiian Gardens, California
Hawaiian Gardens is an incorporated city in Los Angeles County with about 13,800 residents packed into roughly 0.9 square miles. It sits at about 33 feet above sea level in Southern California. Neighbors such as Cypress, La Palma, Los Alamitos and Cerritos are only 2 to 3 miles away, and Norwalk, the nearest city over 100,000 people, is about 5 miles off.
- County
- Los Angeles County
- Population
- 13,816 (Census est.)
- Major routes
- I-605
Driving in Hawaiian Gardens: What to Know
The average commute here is about 27 minutes, a little under the state average of 29. About 71% of workers drive alone, higher than the state figure of about 67%, so most people are on the road at peak times. I-605 runs through or near the city and is a main route for getting to work. Only about 2% use public transit, and about 9% of households have no vehicle, so the cars that are here tend to be relied on daily, which makes solid coverage worth considering.
State highways through or near Hawaiian Gardens:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Hawaiian Gardens
The nearest DMV office is Bellflower DMV at 9520 East Artesia Blvd., Bellflower, CA 90706, about 4.5 miles away.
Nearest DMV: Bellflower
9520 East Artesia Blvd., Bellflower, CA 90706
About 4.5 miles from Hawaiian Gardens
California Car Insurance Rules for Hawaiian Gardens Drivers
California's minimum liability limits are 30/60/15, meaning $30,000 per person, $60,000 per accident and $15,000 for property damage. Drivers with a clean record can qualify for a Good Driver Discount of at least 20%, and credit scores and gender can't be used to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Hawaiian Gardens ZIP Codes and Nearby Areas
ZIP codes in Hawaiian Gardens:
Nearby cities and communities:
More About Hawaiian Gardens
Hawaiian Gardens covers less than a square mile in the Gateway Cities area of southeast Los Angeles County, and its close-knit feel makes it easy to love. Here's what to know:
- A small city with big community. Hawaiian Gardens is one of the smallest cities in the county by area, so neighbors, local shops and family-run taquerias tend to know each other well.
- Gardens Casino. A longtime local landmark, it's known for its card rooms and poker tables and sits right in the heart of the city.
- The San Gabriel River Trail. A short trip west puts you on a paved path for biking and walking, with a long, flat route that stretches from the foothills toward the coast.
- Beaches and culture nearby. Long Beach and its waterfront are a quick trip south, and Cerritos Center for the Performing Arts is just next door.
Hawaiian Gardens Car Insurance FAQ
Does car theft in Hawaiian Gardens affect my insurance?
Theft here ran about 4.6 per thousand people in 2025, above the state average of about 3.2. Comprehensive coverage pays for theft, fire, flood and vandalism, while liability-only does not cover your own car.
Will my commute change what I pay?
Annual mileage is one of the top factors insurers must weigh, and the average commute here is about 27 minutes. A shorter drive or working from home, which about 11% of residents do, can mean fewer miles on your policy.
What happens if I get caught driving without insurance?
A first offense is a $100 to $200 fine plus penalty assessments, and later offenses can mean impound. After a DUI or suspension you may also need an SR-22, a form your insurer files with the DMV.