AAA offers the lowest car insurance rates in Roseville, with average annual premiums of $522 for minimum coverage and $1,181 for full coverage. Other affordable insurers in the area include GEICO, Progressive and State Farm.
Car Insurance in Roseville
Updated: August 2, 2025
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Key Takeaways
Roseville's cheapest car insurance companies are GEICO, Progressive and AAA, with savings up to 40% compared to the city average.
In Roseville, monthly car insurance costs average $155 for full coverage and $76 for minimum coverage.
To get the best cheap auto insurance in Roseville, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Roseville?
| AAA | $44 | $98 | -40% |
| GEICO | $49 | $105 | -35% |
| Progressive | $68 | $124 | -19% |
| State Farm | $65 | $140 | -14% |
| Mercury | $80 | $153 | -2% |
Cheapest Roseville Car Insurance by Category
AAA offers the cheapest rates in four of Roseville's driver categories. GEICO ranks most affordable for high-risk drivers with DUIs or bad credit, while State Farm wins for young drivers and those with newer vehicles.
| Young Drivers | State Farm | $92 |
| Adult Drivers | AAA | $44 |
| Senior Drivers | GEICO | $53 |
| Drivers With an Accident | AAA | $54 |
| Drivers With a DUI | GEICO | $117 |
| Drivers With a Speeding Ticket | AAA | $54 |
| Drivers With Bad Credit | GEICO | $93 |
| Drivers With Newer Cars | State Farm | $46 |
| Drivers With Old Cars | AAA | $28 |
Compare the Cheapest Roseville Car Insurance for You
Your driving record and personal details determine your car insurance rates, with costs varying by thousands of dollars between companies. Find your profile in the table below to see which insurers offer the lowest rates for drivers like you.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| AAA | $44 | $522 | -44% |
| Geico | $49 | $585 | -38% |
| State Farm | $65 | $777 | -17% |
| Progressive | $68 | $811 | -14% |
| Mercury Insurance | $80 | $962 | 2% |
Best Car Insurance Companies in Roseville
The best car insurance companies in Roseville are AAA, Progressive, GEICO and State Farm. These providers excel in offering affordable rates, quality customer service and comprehensive coverage options.
| AAA | 88 | 1 | 5 | 7 |
| Progressive | 88 | 3 | 3 | 2 |
| GEICO | 86 | 2 | 7 | 7 |
| State Farm | 81 | 4 | 4 | 7 |
| Auto Owners | 79 | 8 | 1 | 6 |
AAA: Most Affordable Overall
pros
Low rates across most driver categories
Quick claims processing
Local agent availability
cons
Limited coverage options
Average customer service ratings
COMPANY HIGHLIGHTS
AAA ranks as Roseville's top car insurance provider, primarily due to its competitive rates. The company offers the lowest premiums for several driver categories, including adults, older vehicles, and those with driving incidents. While AAA scores well on affordability, its coverage options are more basic compared to competitors. Local office access provides convenient in-person service for California residents.
Progressive: Best for Customizable Coverage
pros
Extensive coverage options
Strong customer service ratings
Easy online tools
cons
Higher rates than AAA
Limited local office presence
COMPANY HIGHLIGHTS
Progressive stands out for its comprehensive coverage options and user-friendly digital tools. The company earns high marks for customer experience, ranking third among Roseville providers. Progressive offers more add-on coverages than most competitors, letting drivers customize their policies. While not the cheapest option, Progressive's blend of service quality and coverage variety makes it a solid choice for Roseville drivers who want more than basic protection.
How Much Is Car Insurance in Roseville?
In Roseville, minimum coverage costs about $76 per month or $917 per year, ranking 1,156th out of all California cities for affordability. Full coverage averages $155 monthly or $1,861 annually, ranking 1,117th among California cities.
| Full Coverage | $155 | $1,861 |
| Minimum Coverage | $76 | $917 |
Roseville Car Insurance Cost by Category
In Roseville, monthly coverage costs vary from $61 to $373 depending on the driver profile. Check the table below to see rates for your category.
| Young Drivers | $137 | $275 |
| Adult Drivers | $76 | $155 |
| Senior Drivers | $90 | $175 |
| Drivers With an Accident | $122 | $244 |
| Drivers With a Speeding Ticket | $111 | $226 |
| Drivers With a DUI | $184 | $373 |
| Drivers With Bad Credit | $163 | $340 |
| Drivers With Old Cars | $61 | $124 |
| Drivers With Newer Cars | $81 | $163 |
Roseville Car Insurance Costs by ZIP Code
In Roseville, car insurance rates by ZIP code range from $61 to $84 per month. ZIP code 95661 is the most expensive, while 95747 is the cheapest. Check the average rates for your ZIP code on the table below.
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ZIP Code:95661
| 95661 | $84 | $167 |
Compare Personalized Roseville Car Insurance Costs
While our previous breakdowns show average rates, the table below lets you filter Roseville car insurance costs by your exact combination of age, driving record and other key factors.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $73 | $876 | 18% |
How to Get the Best Cheap Roseville Car Insurance
With Roseville drivers facing some of California's highest car insurance rates and complex coverage options, finding affordable protection can feel overwhelming. This step-by-step guide shows you exactly how to lower your rates while maintaining the right coverage for your needs.
- 1
Calculate your coverage needs first
Start by determining exactly how much coverage you need for your vehicle and situation. Use our car insurance coverage needs calculator to get a personalized recommendation. Consider your car's value, your assets, and your risk tolerance. This baseline will help you make better comparisons when shopping for quotes.
- 2
Explore different coverage types
Understanding different types of car insurance can help you find better rates. If you drive infrequently, consider pay-per-mile insurance. Don't own a car? Look into non-owner coverage. These alternative options often cost less than traditional policies.
- 3
Know what others pay
Research average vehicle insurance costs in Roseville to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Remember that your specific rate will vary based on factors like your driving history, age, and the car you drive.
- 4
Stack up available discounts
Take advantage of every car insurance discount you qualify for. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, good student discounts, and defensive driving courses can also lower your premium significantly.
- 5
Check company ratings and reviews
Research insurance companies' financial strength and customer service ratings. Look for reviews from other Roseville drivers about their claims experience. A company's reputation for fair claims handling and responsive customer service is just as important as competitive rates.
- 6
Get quotes from multiple insurers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct contact with insurers. Each company uses different factors to set rates, so comparing multiple quotes helps ensure you find the best deal.
- 7
Review your policy yearly
Mark your calendar to review your car insurance policy annually. Your needs and circumstances change over time, and new discounts or better rates may become available. A yearly review helps ensure you maintain the right coverage at the best possible price.
Cheapest Car Insurance in Roseville: Bottom Line
Car insurance rates in Roseville depend on your driving record, age and vehicle type. AAA and GEICO offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Roseville Car Insurance: FAQ
Looking for cheap car insurance in Roseville? Our FAQ section provides straightforward answers to help you find affordable coverage that fits your needs. We'll show you how to save money while getting the right protection for your vehicle.
What is the cheapest car insurance company in Roseville, California?
AAA offers the lowest rates in Roseville, with average annual premiums of $522 for minimum coverage and $1,181 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Roseville?
AAA leads Roseville's car insurance providers with a MoneyGeek score of 88 out of 100, slightly ahead of Progressive by 0.4 points. AAA delivers excellent customer service and competitive rates.
What is the average cost of car insurance in Roseville?
In Roseville, full coverage car insurance costs $1,861 annually, while minimum coverage averages $917. Your actual rates will vary based on individual factors.
Is car insurance in Roseville expensive?
Car insurance in Roseville costs more than average, ranking 1156th for minimum coverage affordability and 1117th for full coverage compared to other California cities.
How We Chose the Best and Cheapest Car Insurance in Roseville, CA
To help Roseville drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the California Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in California to tailor options as closely as possible to you.
Roseville Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Roseville
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in California are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Progressive. "Progressive Insurance Reviews." Accessed July 9, 2025.