Cheapest Car Insurance in Roseville (2026)

At $44 monthly, AAA provides Roseville's most affordable minimum coverage option, while their full coverage rates start at $98 per month or $1,181 annually. These prices assume a clean driving record and no violations. 

Your age and driving history play major roles in determining which provider gives you the lowest premium, so requesting quotes from multiple carriers reveals your best available rate.

California's statewide average sits at $131 monthly for full coverage, but Roseville residents pay higher costs at $155 per month. Minimum coverage follows a similar pattern, with local drivers paying $76 compared to the state's $61 average. 

Roseville's growing population has created heavier traffic congestion, leading to more frequent accidents and higher claims. The city also sees elevated vehicle theft rates for certain models, which pushes premiums above state levels. 

Getting quotes from several insurers helps Roseville drivers find the most competitive rates available.

Read More: The cheapest car insurance in California

Young drivers in Roseville pay high insurance costs, averaging $214 monthly across the top five insurers. Adult drivers pay much less at $124 monthly, while seniors average $130 monthly. These higher premiums for younger drivers reflect their limited road experience and increased likelihood of filing claims.

Cheapest Roseville car insurance by age:

• Young drivers: State Farm at $195 per month
• Adult drivers: AAA at $98 per month
• Senior drivers: GEICO at $112 per month

Once drivers establish experience, age matters less for pricing. The modest $6 difference between adult and senior rates shows insurers treat experienced drivers similarly whether they're 40 or 70 years old.

Young drivers in Roseville pay the highest insurance costs, but State Farm offers the most affordable option at $195 monthly or $2,339 annually for full coverage. Drivers ages 16 to 25 see higher premiums because insurers view them as higher risk due to limited driving experience and more frequent accidents and traffic violations. 

With young drivers averaging $214 per month compared to $124 for adults, youth premiums come in at more than double what experienced drivers pay.

Choosing State Farm instead of Allstate at $262 per month saves young Roseville drivers $67 each month. Adding a young driver to a family policy also costs less than buying separate coverage, though premiums remain elevated until age 25.

Note: Teen drivers must meet state licensing requirements and may need parental consent for coverage in California.

Roseville's senior drivers benefit from decades of experience and clean driving records, helping them get competitive insurance rates with GEICO offering the lowest at $112 monthly or $1,343 annually for full coverage. 

While most insurers view experienced drivers favorably, some may increase premiums slightly for those over 70 due to reaction time concerns. Across the five most affordable insurers, seniors in Roseville average $130 monthly, just $6 above the $124 that younger adults pay.

By choosing GEICO instead of Progressive at $154 monthly, seniors save $42 each month. Completing defensive driving courses or keeping annual mileage under 7,500 miles can unlock additional discounts for even greater savings.

Drivers between 26 and 64 benefit from Roseville's most competitive insurance rates because they combine extensive experience with lower accident rates than younger and older drivers.

AAA leads with $98 monthly or $1,181 annually for full coverage, making it the most affordable option for this age group. Across Roseville's five cheapest insurers, adults average $124 monthly, the lowest of any age category.

Shopping around saves money, as adults save $55 monthly choosing AAA over Mercury at $153 monthly, the fifth cheapest option. Maintaining clean driving records and bundling policies can push rates even lower.

Driving violations increase insurance costs in Roseville, with rates climbing based on the severity of your offense. AAA leads with the most affordable minimum liability coverage at $44 monthly for clean records and $54 monthly for speeding violations, while GEICO offers the best rates for DUI offenders at $117 monthly. 

Looking at averages across Roseville's five cheapest insurers shows the full picture: $61 for clean records jumps to $85 for speeding tickets, $90 for at-fault accidents and $140 for DUIs.

At-fault accidents push premiums higher because you've demonstrated you can cause actual property damage or injuries, making insurers view you as a proven risk. 

DUIs trigger the largest increases by combining dangerous behavior with serious legal consequences, often requiring SR-22 filing and placing you in insurers' highest-risk category. Speeding tickets create the smallest bumps since they show risky driving without proving you've actually crashed.

Car insurance costs vary across Roseville, with ZIP code 95678 charging the highest rates at $167 monthly while ZIP code 95747 offers the lowest at $61. Find your specific ZIP code in the table to see what you'll pay.

The two most populated areas (ZIP codes 95747 and 95678) see minimum coverage rates of $132 and $167 per month. These differences reflect local risk factors including accident rates, vehicle theft, population density and uninsured driver concentrations. 

Use the table filter to locate your neighborhood and check your area's rate.

Getting competitive rates and proper coverage in Roseville requires knowing which insurers offer the best value for your specific needs.

Want to find affordable coverage in Roseville? This FAQ offers clear answers about available discounts, state regulations and policy options to help you get coverage that fits your budget.

Roseville drivers pay some of California's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Roseville's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.