Ahtky Insurance Agency, LLC
1451 W. Artesia Blvd, Suite A, Gardena, CA 90248
View this agency's profile to learn more about their services.
Loading...
City directory
Gardena households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
1451 W. Artesia Blvd, Suite A, Gardena, CA 90248
View this agency's profile to learn more about their services.
15225 S Western Ave, Suite 102, Gardena, CA 90249
View this agency's profile to learn more about their services.
16012 S Western Ave, Ste. 301, Gardena, CA 90247
View this agency's profile to learn more about their services.
16012 S. Western Ave., Ste. 301, Gardena, CA 90247
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Gardena residents.
Complete Gardena insurance guide: California's new 2025 auto requirements, home insurance averaging $529-718/year, and 4 local agents. Save up to $249.
Home InsuranceGardena homeowners face critical earthquake risk. Learn about coverage gaps, earthquake insurance costs averaging $800-$2,700, and how to protect your $750K home.
Car InsuranceGardena drivers pay $2,506/year average for auto insurance. Learn about California's new 30/60/15 minimums, at-fault rules, and how to save on coverage.
California now requires $30,000 per person and $60,000 per accident for bodily injury liability, plus $15,000 for property damage. These new minimums took effect in January 2025 and represent the first increase in over 50 years. However, these minimums are often insufficient to cover actual damages, so many experts recommend higher limits like 100/300/100.
Gardena homeowners typically pay between $529 and $718 annually for home insurance, which is significantly lower than California's state average of $1,543. This lower rate is due to Gardena's location in the South Bay with reduced wildfire risk compared to hillside communities. Shopping multiple carriers can save you up to $249 per year.
Standard homeowners policies don't cover earthquake damage, and you'll need a separate earthquake policy. California has a 99% probability of a major earthquake in the next 30 years, but earthquake insurance is expensive—often several hundred to over a thousand dollars annually. Consider your financial ability to rebuild without insurance and your risk tolerance when deciding.
Local agents offer advantages in navigating California's challenging insurance market. They represent multiple carriers, understand South Bay neighborhoods, and provide claims support when you need it. With major insurers pulling out of California, having an agent who can shop multiple carriers gives you more options than going direct to a single company.
Bundle your auto and home insurance to save 15-25%, install safety features like monitored alarms for 5-15% discounts, and increase your deductible to lower premiums by 10-25%. Get quotes from at least three carriers every few years—comparison shopping can save you up to $249 annually on home insurance alone.
California's insurance market has been turbulent, with insurers dropping over 530,000 policies in Los Angeles County between 2020 and 2022. Premium increases of 25% or more have been approved for major carriers, and the California FAIR Plan proposed a 35% average rate increase for 2026. This makes shopping around and working with a knowledgeable agent more important than ever.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network