Cheapest and Best Car Insurance in Elk Grove, CA (2023)

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 + BestCar InsuranceElk Grove

2023

Cheapest and Best Car Insurance in Elk Grove, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - GEICO

Cheapest After Driving Offense - National General

Cheapest for Teens - GEICO

Cheapest for Military - USAA

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

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.

Age Range

Coverage

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.

Age range

Coverage

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.

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.

Age range

Coverage

Violation

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.

Age

Sex

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.

Age range

Coverage

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

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

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.

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?

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.

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 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.

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Cheapest and Best Car Insurance Companies in Elk Grove, CA

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On This Page

Cheapest and Best Car Insurance in Elk Grove, CA

Cheapest Minimum Liability Car Insurance in Elk Grove

Cheapest Full Coverage Car Insurance in Elk Grove

Cheapest Car Insurance in Elk Grove After a Driving Offense

Cheapest Car Insurance in Elk Grove for Teens and Their Families

Cheapest Car Insurance in Elk Grove for Military Drivers

How to Compare Cheap Elk Grove Car Insurance Quotes Online

Auto Insurance Calculator

Average Annual Auto Insurance Rates

Best Car Insurance in Elk Grove: Summary

Best Overall Car Insurance in Elk Grove

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Elk Grove for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Elk Grove

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Elk Grove