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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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

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.

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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.


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:88

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:88

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:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:83

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:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:78

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

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:


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99Cups of Coffee
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23Months of Your Favorite Streaming Service

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

  • 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.

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

Liability Only
Full Coverage
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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.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1.
    Esurance
    $1,397
    $1,731
    $2,745
  • 2.
    GEICO
    $1,594
    $1,818
    $2,525
  • 3.
    USAA
    $1,212
    $1,931
    $3,133
  • 4.
    Mercury
    $1,789
    $2,370
    $2,237
  • 5.
    Progressive
    $2,064
    $2,251
    $2,597
  • 6.
    CSAA
    $1,463
    $1,463
    $4,157
  • 7.
    State Farm
    $2,017
    $2,099
    $4,211
  • 8.
    Farmers
    $2,303
    $2,878
    $2,878
  • 9.
    Travelers
    $2,428
    $2,692
    $3,358
  • 10.
    Allstate
    $2,011
    $2,542
    $4,505
  • 11.
    Allied
    $2,335
    $2,683
    $4,033
  • 12.
    Hartford
    $2,431
    $3,420
    $5,703
  • 13.
    MetLife
    $1,830
    $2,373
    $8,903

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
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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.

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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.