Car Insurance in Roseville

AAA delivers the most affordable rates for most Roseville drivers. Young drivers pay $1,103 annually with State Farm, while adult drivers with clean records pay just $522 per year through AAA.

Senior drivers get their best rate from GEICO at $636 per year. Drivers with a speeding ticket pay $649 annually with AAA, and those with an at-fault accident see rates of $649 per year from AAA.

Roseville's position in Placer County offers insurance advantages over Sacramento proper, with lower crime rates and newer infrastructure. The city's master-planned communities and strong retail sector anchored by the Westfield Galleria create stable demographics that insurers price favorably.

AAA takes the lead in Roseville with minimum coverage at $522 yearly, running 40% below the city's $917 average. Full coverage through AAA costs $1,181 annually versus Roseville's average of $1,861.

GEICO comes in second with full coverage rates of $1,258 per year. State Farm also provides competitive pricing for Roseville residents.

AAA's strong California presence includes multiple service centers in the Sacramento region, giving Roseville members convenient access to in-person assistance. The organization's roadside assistance proves particularly valuable for drivers navigating Interstate 80 through the Sierra Nevada foothills.

Young drivers under 25 pay the highest insurance costs in Roseville, while adults get the best deals. State Farm offers young drivers coverage for $1,103 per year.

Adult drivers pay $522 annually with AAA, saving $581 compared to young drivers. Senior drivers get their best rate from GEICO at $636 per year, about 22% more than adult premiums.

Many Roseville young drivers commute to Sacramento State or UC Davis, adding daily highway mileage on I-80 and Highway 65. Established residents who work locally in Roseville's technology and healthcare sectors accumulate fewer miles and demonstrate lower risk profiles.

AAA offers clean drivers Roseville's best rate of $522 per year. Notably, both speeding tickets and at-fault accidents result in the same premium of $649 annually with AAA, a 24% increase.

A DUI pushes premiums to $1,407 annually with GEICO, nearly triple the clean driver rate. Roseville drivers with DUIs face steep rate increases across all insurers.

California Highway Patrol's Auburn office covers Roseville and maintains active enforcement on I-80, where speed differentials between commuter and through traffic create enforcement opportunities. Placer County's DUI checkpoints concentrate on entertainment districts near Douglas Boulevard and Galleria area exits.

AAA earned the highest ranking in Roseville with a score of 88 out of 100. The company combines competitive pricing with strong customer service and comprehensive roadside assistance benefits.

Progressive follows closely with a score of 88, offering reliable service and user-friendly digital tools. Both insurers maintain solid financial ratings and low complaint ratios with California regulators.

Car insurance in Roseville costs an average of $76 per month for minimum coverage and $155 per month for full coverage.

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.

Our guide shows you how to lower your rates.

AAA and GEICO offer the lowest average premiums in the area. Your rates depend on your driving record, age and vehicle type.

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.

Roseville drivers face moderate to high insurance costs influenced by Sacramento metro area traffic congestion, above-average vehicle theft rates in Placer County, and suburban growth that pushes premiums higher than rural California but lower than major Bay Area cities. We built this research to show you which insurers offer the lowest rates for your specific driving profile, so you can maintain required coverage without overpaying in Roseville's competitive insurance market.

We collected rate data from the California Department of Insurance and Quadrant Information Services, analyzing hundreds of thousands of quotes from 12 companies across every ZIP code in Roseville. This ensures our data reflects what you'll actually pay based on your neighborhood's accident rates, theft frequency, and local repair costs.

We created a sample driver profile: a 40-year-old male driving a 2012 Toyota Camry LE with a clean record, good credit, and no claims history. This driver logs 12,000 miles annually and maintains continuous coverage with a valid license. We adjusted factors such as age, driving record, credit score, and military affiliation to find the most suitable insurance companies for specific driver profiles.

California requires minimum liability coverage of $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage. These minimums satisfy legal requirements but leave you financially exposed after serious accidents, especially in a growing suburb where medical costs and vehicle values run moderate to high.

For full coverage comparison, we used $100,000/$300,000/$100,000 liability limits plus comprehensive and collision with $1,000 deductibles. This level provides stronger financial protection when you cause an accident or your car gets damaged, stolen, or totaled—particularly important given Roseville's property crime rates and commuter traffic patterns.

We rated all companies using three weighted categories: 

Affordability (60%), evaluating quotes for various common driver profiles compared to local competition.

Customer Experience (30%) using sources such as agency reviews on Google, J.D. Power, AM Best, and forums like Reddit to gauge customer sentiment.

Coverage Options (10%), considering the number of coverage options a provider offers and the uniqueness of offerings and benefits. This methodology identifies insurers offering genuine value for Roseville drivers navigating Northern California's competitive insurance landscape.