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.
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.
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.
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.
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.
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.
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.
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
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Average Annual Auto Insurance Rates
Click the section of the wheel in your price range to see options.
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Click an insurer below to visit their review page or continue to your personalized quote.
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?

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.
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?

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?

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.
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
