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Depending on your specific needs, the best car insurance provider may vary. For example, GEICO offers the cheapest minimum and full coverage policies. It also offers the most affordable rates for female teens. National General is the cheapest option for individuals with a speeding ticket or DUI, while CSAA is the cheapest option for those involved in an at-fault accident. State Farm is the most affordable option for male teens, while USAA is the cheapest for those with military affiliations.

If service quality and features other than pricing are essential to you, GEICO is MoneyGeek's top pick for the best overall and best cheap car insurance, while Chubb delivers the best auto insurance in Elk Grove for customer service.

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2023

Cheapest and Best Car Insurance in Elk Grove, CA

Cheapest Minimum Liability Car Insurance in Elk Grove

The following insurers provide the cheapest minimum coverage in Elk Grove:

  • GEICO: $370 per year
  • CSAA: $432 per year

Chubb provides the most expensive policies, with a minimum coverage policy costing approximately $843 annually.

Company
Annual Premium
Monthly Premium

GEICO

$367

$31

GEICO

$370

$31

State Farm

$403

$34

CSAA

$432

$36

GEICO

$435

$36

CSAA

$443

$37

Progressive

$449

$37

Progressive

$458

$38

CSAA

$471

$39

Mercury

$496

$41

Mercury

$509

$42

State Farm

$531

$44

Progressive

$534

$44

Travelers

$555

$46

Travelers

$556

$46

Hartford

$592

$49

Kemper

$594

$49

Nationwide

$603

$50

State Farm

$607

$51

State National

$622

$52

Mercury

$626

$52

Nationwide

$626

$52

National General

$626

$52

Travelers

$632

$53

State National

$639

$53

National General

$646

$54

Capital Insurance Group

$676

$56

Allstate

$680

$57

Hartford

$682

$57

Kemper

$684

$57

Allstate

$689

$57

Capital Insurance Group

$700

$58

Farmers

$735

$61

Allstate

$740

$62

State National

$751

$63

Farmers

$754

$63

National General

$774

$64

Capital Insurance Group

$784

$65

Nationwide

$789

$66

Chubb

$843

$70

Farmers

$856

$71

Chubb

$870

$73

Hartford

$896

$75

Kemper

$906

$76

State Farm

$949

$79

GEICO

$949

$79

GEICO

$981

$82

Progressive

$999

$83

Progressive

$1,004

$84

National General

$1,051

$88

National General

$1,067

$89

GEICO

$1,132

$94

CSAA

$1,171

$98

Mercury

$1,173

$98

CSAA

$1,179

$98

Mercury

$1,195

$100

Progressive

$1,203

$100

Chubb

$1,217

$101

State Farm

$1,217

$101

Allstate

$1,225

$102

National General

$1,276

$106

Allstate

$1,293

$108

CSAA

$1,311

$109

Hartford

$1,315

$110

State National

$1,359

$113

Nationwide

$1,360

$113

Capital Insurance Group

$1,377

$115

State Farm

$1,422

$119

Allstate

$1,430

$119

Capital Insurance Group

$1,456

$121

Travelers

$1,459

$122

State National

$1,462

$122

Nationwide

$1,475

$123

Hartford

$1,517

$126

Travelers

$1,528

$127

Mercury

$1,552

$129

Kemper

$1,553

$129

Capital Insurance Group

$1,640

$137

Farmers

$1,668

$139

Farmers

$1,696

$141

State National

$1,792

$149

Travelers

$1,811

$151

Kemper

$1,902

$158

Nationwide

$1,917

$160

Chubb

$1,954

$163

Hartford

$1,982

$165

Farmers

$2,001

$167

Chubb

$2,018

$168

Kemper

$2,319

$193

Chubb

$2,873

$239

California’s state law requires that drivers have the following minimum limits for property damage liability and bodily injury liability:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

With the liability limits above, if you’re found at fault in an accident, your insurer will pay medical expenses of $15,000 per injured person, up to $30,000 per accident. You are responsible for any remaining balance.

Cheapest Full Coverage Car Insurance in Elk Grove

The following companies offer the cheapest full coverage auto insurance policies in Elk Grove:

  • GEICO: $981 per year
  • Progressive: $999 per year

Chubb has the most expensive rates for full coverage policies — $1,954 per year. This shows how location can impact the cost of your car insurance; Elk Grove has more expensive auto insurance rates than other California cities.

Company
Annual Premium
Monthly Premium

GEICO

$367

$31

GEICO

$370

$31

State Farm

$403

$34

CSAA

$432

$36

GEICO

$435

$36

CSAA

$443

$37

Progressive

$449

$37

Progressive

$458

$38

CSAA

$471

$39

Mercury

$496

$41

Mercury

$509

$42

State Farm

$531

$44

Progressive

$534

$44

Travelers

$555

$46

Travelers

$556

$46

Hartford

$592

$49

Kemper

$594

$49

Nationwide

$603

$50

State Farm

$607

$51

State National

$622

$52

Mercury

$626

$52

Nationwide

$626

$52

National General

$626

$52

Travelers

$632

$53

State National

$639

$53

National General

$646

$54

Capital Insurance Group

$676

$56

Allstate

$680

$57

Hartford

$682

$57

Kemper

$684

$57

Allstate

$689

$57

Capital Insurance Group

$700

$58

Farmers

$735

$61

Allstate

$740

$62

State National

$751

$63

Farmers

$754

$63

National General

$774

$64

Capital Insurance Group

$784

$65

Nationwide

$789

$66

Chubb

$843

$70

Farmers

$856

$71

Chubb

$870

$73

Hartford

$896

$75

Kemper

$906

$76

State Farm

$949

$79

GEICO

$949

$79

GEICO

$981

$82

Progressive

$999

$83

Progressive

$1,004

$84

National General

$1,051

$88

National General

$1,067

$89

GEICO

$1,132

$94

CSAA

$1,171

$98

Mercury

$1,173

$98

CSAA

$1,179

$98

Mercury

$1,195

$100

Progressive

$1,203

$100

Chubb

$1,217

$101

State Farm

$1,217

$101

Allstate

$1,225

$102

National General

$1,276

$106

Allstate

$1,293

$108

CSAA

$1,311

$109

Hartford

$1,315

$110

State National

$1,359

$113

Nationwide

$1,360

$113

Capital Insurance Group

$1,377

$115

State Farm

$1,422

$119

Allstate

$1,430

$119

Capital Insurance Group

$1,456

$121

Travelers

$1,459

$122

State National

$1,462

$122

Nationwide

$1,475

$123

Hartford

$1,517

$126

Travelers

$1,528

$127

Mercury

$1,552

$129

Kemper

$1,553

$129

Capital Insurance Group

$1,640

$137

Farmers

$1,668

$139

Farmers

$1,696

$141

State National

$1,792

$149

Travelers

$1,811

$151

Kemper

$1,902

$158

Nationwide

$1,917

$160

Chubb

$1,954

$163

Hartford

$1,982

$165

Farmers

$2,001

$167

Chubb

$2,018

$168

Kemper

$2,319

$193

Chubb

$2,873

$239

A full coverage policy can supplement your liability policy with comprehensive and collision coverage, if you currently have liability insurance but want increased protection.

  • Collision Insurance: Covers expenses following an accident caused with another object or vehicle.
  • Comprehensive Insurance: Covers non-accident-related damages to your car, such as those caused by weather or animals.

Typically, owners of new vehicles purchase full coverage policies to safeguard their investments. If you have an older vehicle, a full coverage policy may not be worth the added cost.

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Cheapest Car Insurance in Elk Grove After a Driving Offense

MoneyGeek found that the following companies provide the cheapest auto insurance in Elk Grove for drivers with offenses:

  • Speeding ticket: National General ($1,104 per year)
  • At-fault accident: CSAA ($1,487 per year)
  • DUI: National General ($1,104 per year)

Chubb and Kemper have the most expensive rates for drivers with speeding tickets and at-fault accidents, charging $2,568 and $3,414 per year, respectively. Meanwhile, drivers with DUI offenses will pay the most with Hartford at $5,547 per year. The cheapest rates for drivers with offenses may still be more than moderately-priced rates for those with clean driving histories.

Company
Annual Premium
Monthly Premium

CSAA

$536

$45

CSAA

$536

$45

CSAA

$548

$46

CSAA

$548

$46

GEICO

$557

$46

GEICO

$564

$47

CSAA

$586

$49

CSAA

$586

$49

State Farm

$611

$51

State Farm

$639

$53

Mercury

$639

$53

Mercury

$656

$55

GEICO

$657

$55

National General

$662

$55

National General

$662

$55

GEICO

$664

$55

GEICO

$664

$55

National General

$683

$57

National General

$683

$57

Capital Insurance Group

$749

$62

Capital Insurance Group

$777

$65

GEICO

$781

$65

Capital Insurance Group

$782

$65

Kemper

$790

$66

Mercury

$799

$67

Progressive

$805

$67

State Farm

$807

$67

Mercury

$811

$68

Capital Insurance Group

$811

$68

National General

$817

$68

National General

$817

$68

Mercury

$821

$68

Progressive

$823

$69

State Farm

$843

$70

Hartford

$855

$71

Hartford

$855

$71

Travelers

$855

$71

Travelers

$856

$71

Capital Insurance Group

$872

$73

State National

$880

$73

GEICO

$880

$73

State National

$880

$73

Progressive

$889

$74

GEICO

$890

$74

Mercury

$890

$74

State National

$907

$76

State National

$907

$76

Progressive

$909

$76

Kemper

$911

$76

Capital Insurance Group

$912

$76

Mercury

$915

$76

State Farm

$921

$77

Nationwide

$934

$78

National General

$942

$79

Allstate

$952

$79

Travelers

$954

$80

Travelers

$956

$80

State Farm

$962

$80

Allstate

$965

$80

Progressive

$968

$81

Nationwide

$970

$81

National General

$972

$81

Progressive

$975

$81

Travelers

$984

$82

Hartford

$998

$83

Hartford

$998

$83

Progressive

$1,001

$83

Farmers

$1,006

$84

Farmers

$1,006

$84

Mercury

$1,013

$84

Farmers

$1,031

$86

Farmers

$1,031

$86

Nationwide

$1,039

$87

Allstate

$1,042

$87

GEICO

$1,048

$87

State National

$1,069

$89

State National

$1,069

$89

Progressive

$1,072

$89

Nationwide

$1,081

$90

Chubb

$1,090

$91

Travelers

$1,097

$91

Allstate

$1,098

$92

National General

$1,104

$92

National General

$1,104

$92

Allstate

$1,113

$93

Chubb

$1,116

$93

National General

$1,121

$93

National General

$1,121

$93

Mercury

$1,130

$94

Travelers

$1,149

$96

Travelers

$1,149

$96

National General

$1,166

$97

Farmers

$1,172

$98

Farmers

$1,172

$98

Capital Insurance Group

$1,175

$98

Progressive

$1,180

$98

Allstate

$1,203

$100

Kemper

$1,209

$101

Capital Insurance Group

$1,219

$102

Nationwide

$1,225

$102

Farmers

$1,257

$105

State Farm

$1,258

$105

Farmers

$1,288

$107

Chubb

$1,327

$111

Travelers

$1,327

$111

National General

$1,340

$112

National General

$1,340

$112

Hartford

$1,342

$112

Hartford

$1,342

$112

Kemper

$1,344

$112

Kemper

$1,344

$112

Chubb

$1,354

$113

Nationwide

$1,368

$114

Capital Insurance Group

$1,372

$114

State Farm

$1,409

$117

GEICO

$1,422

$118

Chubb

$1,461

$122

Farmers

$1,464

$122

GEICO

$1,469

$122

CSAA

$1,476

$123

CSAA

$1,476

$123

State Farm

$1,477

$123

CSAA

$1,482

$123

CSAA

$1,487

$124

CSAA

$1,487

$124

CSAA

$1,518

$126

Mercury

$1,545

$129

National General

$1,559

$130

Capital Insurance Group

$1,575

$131

Mercury

$1,578

$132

National General

$1,583

$132

State National

$1,592

$133

GEICO

$1,593

$133

Capital Insurance Group

$1,614

$135

CSAA

$1,624

$135

Kemper

$1,633

$136

Kemper

$1,633

$136

State National

$1,642

$137

GEICO

$1,643

$137

CSAA

$1,651

$138

CSAA

$1,651

$138

Nationwide

$1,654

$138

State Farm

$1,663

$139

Capital Insurance Group

$1,669

$139

GEICO

$1,696

$141

Chubb

$1,698

$141

Capital Insurance Group

$1,712

$143

Nationwide

$1,720

$143

Chubb

$1,722

$143

Chubb

$1,748

$146

Allstate

$1,785

$149

State Farm

$1,811

$151

Progressive

$1,881

$157

Capital Insurance Group

$1,882

$157

Allstate

$1,887

$157

Progressive

$1,893

$158

State Farm

$1,895

$158

National General

$1,897

$158

GEICO

$1,898

$158

State Farm

$1,898

$158

Capital Insurance Group

$1,930

$161

Mercury

$1,931

$161

State National

$1,933

$161

State National

$1,933

$161

State National

$1,946

$162

Hartford

$1,960

$163

Hartford

$1,960

$163

Mercury

$1,973

$164

Allstate

$1,979

$165

Allstate

$2,011

$168

Progressive

$2,054

$171

Mercury

$2,056

$171

Hartford

$2,060

$172

Kemper

$2,061

$172

Kemper

$2,063

$172

Kemper

$2,063

$172

Progressive

$2,071

$173

Mercury

$2,073

$173

State National

$2,079

$173

State National

$2,079

$173

Chubb

$2,093

$174

Allstate

$2,096

$175

Nationwide

$2,108

$176

Mercury

$2,108

$176

State Farm

$2,113

$176

Allstate

$2,179

$182

Nationwide

$2,182

$182

State Farm

$2,213

$184

Allstate

$2,214

$184

Travelers

$2,216

$185

GEICO

$2,251

$188

Hartford

$2,273

$189

Hartford

$2,273

$189

Progressive

$2,280

$190

Nationwide

$2,290

$191

Farmers

$2,303

$192

Farmers

$2,303

$192

Travelers

$2,316

$193

GEICO

$2,326

$194

Progressive

$2,343

$195

Farmers

$2,345

$195

Farmers

$2,345

$195

Nationwide

$2,350

$196

Allstate

$2,352

$196

Progressive

$2,367

$197

Hartford

$2,444

$204

Capital Insurance Group

$2,464

$205

Travelers

$2,468

$206

Progressive

$2,493

$208

Kemper

$2,525

$210

State National

$2,552

$213

State National

$2,552

$213

Nationwide

$2,554

$213

Chubb

$2,568

$214

Travelers

$2,572

$214

Mercury

$2,572

$214

Capital Insurance Group

$2,614

$218

Allstate

$2,622

$218

Chubb

$2,631

$219

GEICO

$2,687

$224

Mercury

$2,745

$229

Farmers

$2,766

$231

Farmers

$2,766

$231

Travelers

$2,766

$231

Progressive

$2,851

$238

Farmers

$2,879

$240

State Farm

$2,913

$243

Farmers

$2,930

$244

Capital Insurance Group

$2,948

$246

Nationwide

$2,986

$249

Hartford

$2,999

$250

Hartford

$2,999

$250

Travelers

$3,078

$257

Travelers

$3,079

$257

Kemper

$3,082

$257

Chubb

$3,152

$263

Chubb

$3,216

$268

Travelers

$3,226

$269

Nationwide

$3,336

$278

Hartford

$3,379

$282

Kemper

$3,414

$284

Kemper

$3,414

$284

Farmers

$3,458

$288

Chubb

$3,488

$291

State National

$3,602

$300

Nationwide

$3,742

$312

State Farm

$3,744

$312

Travelers

$3,881

$323

State National

$3,882

$323

Allstate

$3,905

$325

Nationwide

$4,072

$339

Chubb

$4,081

$340

Chubb

$4,137

$345

Allstate

$4,146

$345

CSAA

$4,169

$347

Chubb

$4,198

$350

CSAA

$4,202

$350

Kemper

$4,305

$359

Kemper

$4,305

$359

State Farm

$4,367

$364

Allstate

$4,620

$385

CSAA

$4,677

$390

Hartford

$4,738

$395

State National

$4,779

$398

Chubb

$5,065

$422

Kemper

$5,117

$426

Kemper

$5,117

$426

Nationwide

$5,334

$445

Hartford

$5,547

$462

Hartford

$7,446

$621

In general, your car insurance premiums will increase in proportion to the severity of your traffic violation. For instance, a driver with a DUI will pay $1,582 more per year for insurance than a driver with a clean record in Elk Grove. While your car insurance rate will be higher, you can still find cheap auto insurance with a bad driving record.

Cheapest Car Insurance in Elk Grove for Teens and Their Families

The following insurers offer the cheapest car insurance in Elk Grove for 16-year-old drivers on a family policy:

  • GEICO: $2,827 per year for female teens and $2,981 per year for male teens
  • State Farm: $2,834 per year for female and male teens

Nationwide is the most expensive auto insurance provider in Elk Grove for teens, charging an average of $5,370 per year for both male and female drivers.

Since insurers consider male teens riskier to insure, they typically charge them more for insurance. But this is only the case in Elk Grove for GEICO. This cost difference tends to decline in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,249

$2,003

GEICO

$1,279

$2,050

GEICO

$1,281

$2,258

GEICO

$1,295

$2,154

GEICO

$1,310

$2,100

GEICO

$1,317

$2,321

GEICO

$1,336

$2,453

GEICO

$1,353

$2,384

GEICO

$1,483

$2,212

GEICO

$1,532

$2,527

Progressive

$1,556

$2,490

Progressive

$1,556

$2,490

Progressive

$1,685

$2,696

Progressive

$1,685

$2,696

Progressive

$1,802

$3,331

Progressive

$1,802

$3,331

Capital Insurance Group

$1,862

$2,385

Capital Insurance Group

$1,862

$2,385

Nationwide

$1,867

$3,874

Nationwide

$1,867

$3,874

Progressive

$1,887

$3,020

Progressive

$1,887

$3,020

Allstate

$1,906

$3,101

Allstate

$1,906

$3,101

GEICO

$1,909

$3,216

State Farm

$1,956

$2,870

State Farm

$1,956

$2,870

GEICO

$1,984

$3,709

Allstate

$1,995

$3,247

Allstate

$1,995

$3,247

Kemper

$2,026

$4,069

Kemper

$2,026

$4,069

State Farm

$2,035

$2,985

State Farm

$2,035

$2,985

Allstate

$2,046

$3,607

Allstate

$2,046

$3,607

Nationwide

$2,047

$4,247

Nationwide

$2,047

$4,247

Allstate

$2,067

$3,363

Allstate

$2,067

$3,363

State Farm

$2,070

$3,239

State Farm

$2,070

$3,239

State Farm

$2,082

$3,054

State Farm

$2,082

$3,054

GEICO

$2,088

$3,114

Nationwide

$2,112

$4,858

Nationwide

$2,112

$4,858

Capital Insurance Group

$2,120

$2,825

Capital Insurance Group

$2,120

$2,825

Kemper

$2,139

$4,297

Kemper

$2,139

$4,297

Farmers

$2,146

$3,067

Farmers

$2,146

$3,067

GEICO

$2,171

$3,580

Allstate

$2,193

$3,623

Allstate

$2,193

$3,623

Nationwide

$2,194

$4,553

Nationwide

$2,194

$4,553

Travelers

$2,201

$2,998

Travelers

$2,201

$2,998

Capital Insurance Group

$2,206

$2,825

Capital Insurance Group

$2,206

$2,825

Capital Insurance Group

$2,206

$2,825

Capital Insurance Group

$2,206

$2,825

State Farm

$2,218

$3,302

State Farm

$2,218

$3,302

Progressive

$2,235

$3,653

Progressive

$2,235

$3,653

Kemper

$2,252

$5,053

Kemper

$2,252

$5,053

Travelers

$2,279

$3,103

Travelers

$2,279

$3,103

Travelers

$2,325

$3,331

Travelers

$2,325

$3,331

Kemper

$2,327

$4,674

Kemper

$2,327

$4,674

State Farm

$2,355

$3,677

State Farm

$2,355

$3,677

Travelers

$2,375

$3,234

Travelers

$2,375

$3,234

State Farm

$2,377

$3,537

State Farm

$2,377

$3,537

Farmers

$2,404

$3,557

Farmers

$2,404

$3,557

Capital Insurance Group

$2,462

$3,179

Capital Insurance Group

$2,462

$3,179

Nationwide

$2,472

$5,325

Nationwide

$2,472

$5,325

Farmers

$2,489

$3,557

Farmers

$2,489

$3,557

Farmers

$2,489

$3,557

Farmers

$2,489

$3,557

Allstate

$2,515

$4,618

Allstate

$2,515

$4,618

Capital Insurance Group

$2,553

$3,179

Capital Insurance Group

$2,553

$3,179

Allstate

$2,557

$4,223

Allstate

$2,557

$4,223

Travelers

$2,594

$3,496

Travelers

$2,594

$3,496

Kemper

$2,608

$5,357

Kemper

$2,608

$5,357

State Farm

$2,617

$4,663

State Farm

$2,617

$4,663

GEICO

$2,637

$4,651

Farmers

$2,688

$4,079

Farmers

$2,688

$4,079

Capital Insurance Group

$2,734

$3,529

Capital Insurance Group

$2,734

$3,529

GEICO

$2,765

$5,405

State Farm

$2,775

$4,943

State Farm

$2,775

$4,943

Progressive

$2,787

$5,170

Progressive

$2,787

$5,170

Travelers

$2,815

$4,033

Travelers

$2,815

$4,033

Kemper

$2,825

$5,802

Kemper

$2,825

$5,802

GEICO

$2,827

$5,192

State Farm

$2,834

$5,539

State Farm

$2,834

$5,539

Kemper

$2,849

$6,397

Kemper

$2,849

$6,397

Travelers

$2,859

$3,852

Travelers

$2,859

$3,852

GEICO

$2,900

$5,114

Farmers

$2,906

$4,698

Farmers

$2,906

$4,698

Farmers

$2,933

$4,450

Farmers

$2,933

$4,450

Progressive

$2,962

$4,841

Progressive

$2,962

$4,841

GEICO

$2,981

$6,110

Nationwide

$3,046

$7,362

Nationwide

$3,046

$7,362

GEICO

$3,053

$5,968

Farmers

$3,059

$6,053

Farmers

$3,059

$6,053

Farmers

$3,134

$6,331

Farmers

$3,134

$6,331

Farmers

$3,144

$6,221

Farmers

$3,144

$6,221

Progressive

$3,216

$6,573

Progressive

$3,216

$6,573

Progressive

$3,237

$6,631

Progressive

$3,237

$6,631

Progressive

$3,249

$6,641

Progressive

$3,249

$6,641

Nationwide

$3,250

$7,000

Nationwide

$3,250

$7,000

Allstate

$3,356

$6,641

Allstate

$3,356

$6,641

Allstate

$3,476

$6,995

Allstate

$3,476

$6,995

Capital Insurance Group

$3,508

$4,367

Capital Insurance Group

$3,508

$4,367

Capital Insurance Group

$3,508

$4,367

Capital Insurance Group

$3,508

$4,367

Capital Insurance Group

$3,508

$4,367

Capital Insurance Group

$3,508

$4,367

Allstate

$3,536

$6,995

Allstate

$3,536

$6,995

Travelers

$3,762

$5,085

Travelers

$3,762

$5,085

Travelers

$3,931

$5,313

Travelers

$3,931

$5,313

Travelers

$3,939

$5,576

Travelers

$3,939

$5,576

Kemper

$4,298

$8,735

Kemper

$4,298

$8,735

Nationwide

$4,628

$9,953

Nationwide

$4,628

$9,953

Kemper

$4,709

$9,569

Kemper

$4,709

$9,569

Kemper

$4,752

$10,666

Kemper

$4,752

$10,666

Nationwide

$5,203

$11,190

Nationwide

$5,203

$11,190

Nationwide

$5,370

$13,506

Nationwide

$5,370

$13,506

It’s significantly more expensive to purchase an individual policy for a teen than to join a family policy. In Elk Grove, a 16-year-old male teen could save an average of $673 per year by joining a family policy instead of purchasing an individual policy. Families can save money on auto insurance premiums by finding the cheapest auto insurance for teenagers.

Cheapest Car Insurance in Elk Grove for Military Drivers

In Elk Grove, the following insurers offer the cheapest full coverage policies to military members and their families:

  • USAA: $940 per year
  • GEICO: $981 per year

In the case of minimum coverage, GEICO is the cheapest auto insurance company at $370 per year, followed by USAA at $415 per year. You can save even more money by reviewing the cheapest car insurance for military drivers.

Company
Annual Premium
Monthly Premium

GEICO

$367

$31

GEICO

$370

$31

State Farm

$403

$34

USAA

$415

$35

USAA

$415

$35

CSAA

$432

$36

GEICO

$435

$36

CSAA

$443

$37

Progressive

$449

$37

Progressive

$458

$38

CSAA

$471

$39

Mercury

$496

$41

USAA

$501

$42

Mercury

$509

$42

State Farm

$531

$44

Progressive

$534

$44

Travelers

$555

$46

Travelers

$556

$46

Hartford

$592

$49

Kemper

$594

$49

Nationwide

$603

$50

State Farm

$607

$51

State National

$622

$52

Mercury

$626

$52

Nationwide

$626

$52

National General

$626

$52

Travelers

$632

$53

State National

$639

$53

National General

$646

$54

Capital Insurance Group

$676

$56

Allstate

$680

$57

Hartford

$682

$57

Kemper

$684

$57

Allstate

$689

$57

Capital Insurance Group

$700

$58

Farmers

$735

$61

Allstate

$740

$62

State National

$751

$63

Farmers

$754

$63

National General

$774

$64

Capital Insurance Group

$784

$65

Nationwide

$789

$66

Chubb

$843

$70

Farmers

$856

$71

Chubb

$870

$73

Hartford

$896

$75

Kemper

$906

$76

USAA

$919

$77

USAA

$940

$78

State Farm

$949

$79

GEICO

$949

$79

GEICO

$981

$82

Progressive

$999

$83

Progressive

$1,004

$84

National General

$1,051

$88

National General

$1,067

$89

USAA

$1,124

$94

GEICO

$1,132

$94

CSAA

$1,171

$98

Mercury

$1,173

$98

CSAA

$1,179

$98

Mercury

$1,195

$100

Progressive

$1,203

$100

Chubb

$1,217

$101

State Farm

$1,217

$101

Allstate

$1,225

$102

National General

$1,276

$106

Allstate

$1,293

$108

CSAA

$1,311

$109

Hartford

$1,315

$110

State National

$1,359

$113

Nationwide

$1,360

$113

Capital Insurance Group

$1,377

$115

State Farm

$1,422

$119

Allstate

$1,430

$119

Capital Insurance Group

$1,456

$121

Travelers

$1,459

$122

State National

$1,462

$122

Nationwide

$1,475

$123

Hartford

$1,517

$126

Travelers

$1,528

$127

Mercury

$1,552

$129

Kemper

$1,553

$129

Capital Insurance Group

$1,640

$137

Farmers

$1,668

$139

Farmers

$1,696

$141

State National

$1,792

$149

Travelers

$1,811

$151

Kemper

$1,902

$158

Nationwide

$1,917

$160

Chubb

$1,954

$163

Hartford

$1,982

$165

Farmers

$2,001

$167

Chubb

$2,018

$168

Kemper

$2,319

$193

Chubb

$2,873

$239

How to Compare Cheap Elk Grove Car Insurance Quotes Online

Comparing auto insurance quotes online in Elk Grove can be time-consuming. It can take up to 15 minutes to receive a single quote, as most companies require you to provide a significant amount of personal information.

To streamline the process, MoneyGeek's car insurance calculator quickly estimates the cost of your insurance using only your age, vehicle model, driving record and desired coverage level.

Auto Insurance Calculator

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Best Car Insurance in Elk Grove: Summary

The best auto insurer for you will vary based on your needs and preferences. We highlighted the best providers for a few key categories, including cost, customer satisfaction and all-around performance:

  • Best overall: GEICO (MoneyGeek score of 75 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: GEICO (MoneyGeek score of 78 out of 100)

A company’s overall MoneyGeek score varied based on the factors weighted in that category. While GEICO is ranked as the best insurer in Elk Grove, CSAA offers the best auto insurance in California. This suggests that location can play a considerable role in determining rates.

USAA is also a great option for military-affiliated drivers in Elk Grove, with a MoneyGeek rating of 85 out of 100.

Best Overall Car Insurance in Elk Grove

The following insurers offer the best full coverage policies in Elk Grove:

  • GEICO: MoneyGeek score of 75 out of 100 ($981 per year)
  • Progressive: MoneyGeek score of 74 out of 100 ($999 per year)

Of the 15 providers we evaluated, GEICO is the cheapest insurance company. It also scored well in customer satisfaction ratings. Selecting an auto insurance policy that balances overall experience and pricing is essential to get peace of mind.

USAA is another good option for those with military backgrounds. With a MoneyGeek score of 85 out of 100, USAA offers affordable premiums in Elk Grove, averaging $940 per year for full coverage.

How was this MoneyGeek score calculated?

GEICO

pros

Has the cheapest rates

Has a high customer satisfaction rating

Provides mechanical breakdown insurance

cons

Has a relatively average claims management rating

Offers limited coverage options

COMPANY HIGHLIGHTS

GEICO is the best auto insurer in Elk Grove, CA due to its cheap rates, quality customer service and coverage offerings. It can be difficult to find an insurer that’s affordable and budget-friendly, but GEICO delivers on both accounts.

In terms of coverage options, GEICO offers mechanical breakdown insurance, which provides more coverage at a lower rate than the typical dealer-extended warranty. It also covers all parts and systems, not just the limited list of items often covered by most dealer warranties.

In addition to its standard auto insurance policy, GEICO provides a classic car insurance policy containing many of the same coverage options. It consists of liability coverage, uninsured and underinsured motorist coverage and medical coverage comprising personal injury protection and medical payments coverage. The insurer's roadside assistance coverage offers protection for flat tires, towing, jump starts and lockouts.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Elk Grove for Customer Service

Irrespective of cost, the following insurers offer the best customer satisfaction in Elk Grove:

  • Chubb: MoneyGeek score of 76 out of 100 ($1,954 per year)
  • Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,456 per year)

Chubb outperforms other providers when it comes to customer satisfaction and claims management. Despite its excellent customer service, Chubb's premiums are significantly higher than those of the runner-up and the majority of its competitors.

How was this MoneyGeek score calculated?

Chubb

pros

Has the highest customer satisfaction score

Has a relatively high score for claims management

Offers OEM and rental car reimbursement coverage

cons

Offers limited coverage options

Lacks gap insurance

COMPANY HIGHLIGHTS

Based on data from the 2022 J.D. Power Report Survey and the NAIC customer complaint index, Chubb provides exceptional customer service and has fewer complaints than other companies of its size. This makes Chubb the best insurance company in Elk Grove, CA, in terms of customer service.

Chubb provides customers with rental car and/or travel reimbursement coverage, enabling them to rent a car if their vehicle is temporarily unavailable due to an accident. With this coverage, Chubb will provide up to $15,000 with no daily maximum.

The insurer also provides original equipment manufacturer (OEM) coverage, which covers the cost of replacing your vehicle's original components. In contrast, some insurance companies simply offer aftermarket components, which could be less dependable than components from the original manufacturer. However, the absence of optional roadside assistance and gap insurance from Chubb, which other insurers offer, may dissuade some drivers.

Best Cheap Car Insurance in Elk Grove

The following insurers are the best providers of minimum coverage in Elk Grove based on customer service and affordability ratings:

  • GEICO: MoneyGeek score of 78 out of 100 ($370 per year)
  • Progressive: MoneyGeek score of 71 out of 100 ($449 per year)

Minimum coverage policies are typically cheap, but they offer less liability protection should you get in an accident. They also don’t cover the cost of damages to your vehicle.

How was this MoneyGeek score calculated?

GEICO

pros

Has the cheapest rates at $370 per year

Offers discounts for bundles, safety systems and new vehicles

Has a good customer satisfaction rating

cons

Offers few coverage options

Has a low claims management rating

COMPANY HIGHLIGHTS

GEICO has the cheapest car insurance premiums in Elk Grove and above-average customer satisfaction ratings. There are also several ways to save more money with this insurer. This includes discounts of up to 23% if your car is equipped with airbags and 5% if it has an anti-lock braking system fitted by the manufacturer.

If you have other insurance policies with GEICO, such as homeowners or renters insurance, you can also receive a discount on your auto insurance by bundling these policies. Additionally, drivers who insure multiple vehicles might save up to 25% on their auto insurance premiums.

The insurer’s daytime running lights discount is a one-of-a-kind discount provided by GEICO. Having daytime running lights installed may qualify you for a discount of up to 3% on certain auto insurance coverages. GEICO also offers exclusive discounts for active or retired federal employees, teachers and military personnel.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Elk Grove

According to MoneyGeek, the average annual cost of car insurance in Elk Grove is $1,370. This is $105 more than the national average cost of auto insurance of $1,265 and $17 less than the average cost of car insurance in California of $1,387 as of October 2022. The cost of auto insurance may vary based on your location due to factors including traffic, crime rates and population density.

These rates show a policy that provides full coverage, including $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.