Compare the Cheapest Car Insurance Quotes in Elk Grove, CA

Auto insurance in Elk Grove averages $1,357 per year, which is cheaper than the state average. A MoneyGeek analysis on the cheapest insurer by coverage amount and driving history found that Progressive offers the most affordable insurance at $1,077 annually on average. In terms of quality, MoneyGeek also examined the best overall insurance companies in Elk Grove.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 5/16/2022
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On average, the cheapest car insurer in Elk Grove is Progressive. But, the cheapest for a state minimum policy is GEICO and Esurance for drivers with a ticket. USAA is very affordable for military members. MoneyGeek ranked AAA as the best in Elk Grove for combining affordability and quality service. Your coverage needs and profile determine the best for you.

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The Cheapest and Best Car Insurance in Elk Grove

The Cheapest Car Insurance Companies in Elk Grove

On average, the companies offering the cheapest full coverage auto insurance policy in Elk Grove are:

  • Progressive: $1,077 per year
  • GEICO: $1,081 per year

While not the cheapest full coverage policy in Elk Grove, USAA’s price averages $1,109 a year.

For budget-conscious drivers, Progressive is the best car insurance company in Elk Grove for a full coverage policy. It’s around 55% less than the city’s costliest carrier, Farmers, at roughly $1,676 per year.

A full coverage policy includes liability, comprehensive and collision insurance. The amount of liability you purchase helps determine the cost.

Cheapest Car Insurance in Elk Grove
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Progressive
    $1,077
  • 2.
    GEICO
    $1,081
  • 3.
    Esurance
    $1,099
  • 4.
    USAA
    $1,109
  • 5.
    CSAA
    $1,168
  • 6.
    Mercury
    $1,364
  • 7.
    State Farm
    $1,371
  • 8.
    MetLife
    $1,412
  • 9.
    Allstate
    $1,417
  • 10.
    Hartford
    $1,541
  • 11.
    Travelers
    $1,627
  • 12.
    Allied
    $1,666
  • 13.
    Farmers
    $1,676

To calculate averages, MoneyGeek’s methodology involves a sample driver profile for a 40-year-old male seeking a full coverage policy in Elk Grove.

A full coverage policy is valuable because it has liability plus comprehensive and collision insurance to protect your car. These added coverages make a full coverage policy more expensive than the state minimum policy.

  • Collision insurance: pays for repairs in an at-fault collision
  • Comprehensive insurance: pays for non-accident-related damage like a broken windshield or theft

If your car is older, the full coverage premium may be more than your car’s value. You can save money with a state minimum or liability-only policy in that case.

Compare Car Insurance Rates in Elk Grove

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Elk Grove for Minimum Coverage

Minimum coverage is the cheapest insurance option in Elk Grove. On average, the companies offering the cheapest minimum coverage auto policy in Elk Grove are:

  • GEICO: $447 per year
  • CSAA: $462 per year

USAA is the second cheapest in Elk Grove at roughly $449 per year, but only military members and veterans are eligible.

The most expensive minimum coverage policy is from Farmers, around $923 annually, more than twice as much as GEICO.

Minimum coverage is the cheapest choice for drivers in Elk Grove but has low levels of liability and does not include collision and comprehensive coverage, risking your protection.

Toggle the table below to see how much it costs for more liability coverage.

Cheapest Minimum Liability Car Insurance in Elk Grove
State Minimum

In California, a minimum coverage policy includes 15/30/5 in liability plus uninsured motorist of 15/30 with $3,500 in property damage coverage. This state minimum coverage policy in Elk Grove can save you money on your premium, but it could hurt your wallet if an accident occurs.

For example, if you cause property damage totaling $25,000 in an at-fault accident, the insurance policy only covers $5,000, leaving you responsible for $20,000.

California Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Elk Grove if You Have Driving Violations

A bad driving record with a violation like a DUI, ticket or at-fault accident affects your car insurance rate in Elk Grove significantly. The car insurance companies in Elk Grove, on average, with affordable rates after a violation are:

  • Cheapest after a ticket: Esurance, $1,397 per year
  • Cheapest after an at-fault accident: CSAA, $1,463 per year
  • Cheapest after a DUI: Mercury, $2,237 per year

With a military background, you can get the cheapest rate with a ticket through USAA.

To improve your record and get lower rates in Elk Grove can take years, but it is possible. Right now, get the cheapest rate with a violation by comparing auto insurance quotes.

Cheapest Car Insurance in Elk Grove With a Violation
Speeding Ticket

Average Cost of Car Insurance in Elk Grove

Elk Grove$1,375
California$1,429
U.S.$1,424

The average car insurance rate in Elk Grove is lower than the state and national averages.

Drivers in Elk Grove pay an average of $1,375 per year for vehicle insurance. This is 3.4% less than the U.S. average and 3.8% cheaper than the California average.

Personalized Quotes to Get You the Cheapest Car Insurance in Elk Grove

Auto insurance providers evaluate multiple factors to determine car insurance rates in Elk Grove. These can include age, gender, marital status, driving experience and more.

For example, Progressive charges an average of $1,077 per year for 40-year-old male drivers in Elk Grove. This average annual cost can change as the driver ages.

Since your life circumstances can change frequently, it’s a good idea to compare car insurance quotes regularly to make sure you have the best coverage at the most affordable price.

Compare Car Insurance Rates in Elk Grove

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Elk Grove

For drivers in Elk Grove seeking a balance of affordability and quality service, MoneyGeek ranked auto insurance companies in the city. The best car insurance companies in Elk Grove are:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA received the highest score in Elk Grove by MoneyGeek's rating system and is often the best choice for military members, veterans and their families.

These scores were based on J.D. Power user satisfaction, affordability and financial stability ratings.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Average Cost of Car Insurance by Postal Code

Your ZIP code can impact your auto insurance premiums since different neighborhoods may have varying statistics on accident rates, uninsured motorists and thefts.

In Elk Grove, residents of the 95757 neighborhood could pay an average of $37 less per year for their car insurance compared to those living in the 95624 neighborhood.

  • Zip Code
    State Minimumper year
  • 95757
    $1,361
  • 95758
    $1,366
  • 95624
    $1,398

Factors That Impact Insurance Costs in Elk Grove

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Elk Grove. How Elk Grove ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities286th/300
handcuffs2 icon
Most Car Thefts206th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall211th/300
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Most Rainy Days232nd/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Elk Grove are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.