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.
Compare the Cheapest Car Insurance Quotes in Elk Grove, CA
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
Many drivers prioritize the cost of car insurance when selecting a policy. For budget-conscious drivers, Progressive is the best car insurance company in Elk Grove. The average yearly premium for a policy with Progressive is $1,077. This is 55.6% less than the city’s costliest carrier, Farmers.
GEICO offers the second cheapest car insurance in Elk Grove, with policies costing an average of $1,081 per year.
MoneyGeek’s analysis was based on a sample driver profile for a 40-year-old male seeking a full coverage policy that includes liability insurance and comprehensive and collision insurance.
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Average Cost of Car Insurance in Elk Grove
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.
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 include:
- AAA: MoneyGeek score 90 out of 100
- GEICO: MoneyGeek score 90 out of 100
USAA received the highest score in Elk Grove by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
These scores were based on J.D. Power user satisfaction, affordability and financial stability.
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.
Shopping around for car insurance in Elk Grove could save you $298, which is enough to buy:
Cheapest Car Insurance in Elk Grove by Coverage Amount
In Elk Grove and other cities, the amount of coverage purchased is a significant factor that affects the price of insurance. For instance, a policy meeting California state minimums costs $653 annually on average, while a full coverage policy with high liability costs $1,375 yearly on average. This is a difference of $722.
California Minimum Liability Requirements
- 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.
In Elk Grove, GEICO offers cheap car insurance in the form of both liability-only and full-coverage policies with 50/100/50 limits. These limits mean that coverage is provided for $50,000 in medical bills per individual, totaling $100,000 per accident and $50,000 in property damage repair.
GEICO’s full-coverage package pays for your expenses in addition to those of the other driver if you’re at fault in an accident. Liability-only coverage just pays for the costs of the other driver if you cause an accident. A full-coverage plan in Elk Grove with Geico costs $380 more per year on average compared to liability-only coverage.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Elk Grove if You Have Driving Violations
Safe drivers typically pay less for their car insurance in Elk Grove than those with offenses on their record.
For instance, Esurance policyholders in Elk Grove could pay $298 more annually if they have a speeding ticket on their record. Drivers with a recorded at-fault accident might be charged $632 more per year on average. Customers with a DUI on their record could pay an extra $1,646 yearly compared to a driver with no violations.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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 CodeState Minimumper year
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.
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.
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