bestauto insuranceRosevilleCompare the Cheapest Car Insurance Quotes in Roseville, CA
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Ensure you're getting the best rate. Review quotes from a top insurance company.
The cheapest car insurance company in Roseville may vary based on your profile. Esurance is the cheapest insurer overall, with an average of $990 per year. It is also the best for drivers with speeding tickets on their driving record, with an average cost of $1,253 per year.
Meanwhile, CSAA is the cheapest for the state minimum policy, averaging $452 per year. Drivers with a military background may find the lowest rates with USAA. MoneyGeek also ranked the best insurers in Roseville for affordability and customer service. From the findings, AAA is the best in the city.
bestauto insuranceRosevilleThe Cheapest and Best Car Insurance in Roseville
Cheapest Overall - Esurance
Cheapest State Minimum - CSAA
Cheapest With a Driving Violation - Esurance
Best Overall - AAA
The Cheapest Car Insurance Companies in Roseville
On average, the most affordable average Roseville car insurance rates are from the following companies:
- Esurance: $990 per year
- CSAA: $1,100 per year
For military members and their families, USAA is another affordable option, averaging $1,152 per year for a policy in Roseville.
While purchasing car insurance, most residents of Roseville consider the cost of coverage as one of the factors. The most expensive provider in the city is Allied, costing an average of $1,620 per year, which is $293 higher than the city’s average rate. Full coverage car insurance provides collision and comprehensive coverage during an accident, and rates differ based on the coverage limits you choose.
Cheapest Car Insurance in Roseville
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$990
- 2.CSAA$1,100
- 3.$1,123
- 4.$1,152
- 5.$1,212
For this analysis, MoneyGeek utilized a 40-year-old male sample driver with a full coverage car insurance policy and limits based on our methodology.
A full coverage policy includes comprehensive and collision insurance and provides you with higher protection than the state minimum policy. Full coverage car insurance also protects your vehicle in case of damage and has the following types of insurance:
- Collision Insurance: Pays for damages to your car if you get into an accident due to a stationary object or colliding with another vehicle.
- Comprehensive Insurance: Pays for the costs associated with non-collision damage to your car.
Roseville drivers with older cars may consider purchasing liability-only or state minimum car insurance because full coverage policies may cost more than the value of their car is worth.
Compare Car Insurance Rates in Roseville
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Roseville for Minimum Coverage
The cheapest car insurance in Roseville and other cities in California is the state minimum coverage.
Based on MoneyGeek’s research, the most affordable providers in the city for a state minimum policy are:
- CSAA: $452 per year
- Progressive: $501 per year
USAA is the second-cheapest insurer in Roseville for drivers seeking to purchase the state minimum policy, although it only serves military members and their families. Farmers' policies are the most expensive, averaging $887 per year, which is almost double what CSAA policyholders typically pay for the same coverage.
State minimum policies feature the lowest rates but do not include comprehensive and collision coverage. That means you may not be fully covered in case of an accident. You can toggle the table below to see how prices change for policies with higher liability coverage.
Cheapest Minimum Liability Car Insurance in Roseville
State Minimum
- CompanyState Minimumper year
- 1.CSAA$452
- 2.$475
- 3.$501
- 4.$521
- 5.$565
Having a state minimum car insurance policy in California is the most affordable option in Roseville. That means your policy will need to include bodily injury and property damage liability coverage. The state minimum policy has the cheapest rates for your coverage and provides the least protection.
While the state minimum policy may help you save on your premiums, you may need to pay more out-of-pocket if you get involved in an accident. For instance, if you get involved in an at-fault accident and one person’s medical costs are $40,000, your policy can only cover $15,000 and you’ll have to pay $25,000 to cover the difference.
California Minimum Liability Requirements
- ItemDescription
- 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.
Cheapest Car Insurance in Roseville if You Have Driving Violations
Insurers in Roseville charge more for drivers with violations like at-fault accidents and speeding tickets than drivers with a clean record.
On average, the best car insurance companies in Roseville if you have violations are:
- Cheapest after a ticket: Esurance, $1,253 per year
- Cheapest after an at-fault accident: CSAA, $1,380 per year
- Cheapest after a DUI: Mercury, $2,158 per year
Roseville drivers can lower their rates by improving their driving record over time. In the meantime, they may still find the most affordable coverage for drivers with at-fault accidents or speeding tickets by shopping around.
Cheapest Car Insurance in Roseville With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$1,253
- 2.$1,260
- 3.CSAA$1,380
- 4.$1,727
- 5.$1,764
Average Cost of Car Insurance in Roseville
Roseville$1,327
California$1,429
U.S.$1,424
The average cost of car insurance in Roseville is $1,327 per year. The city’s rate is lower than the state average by 7.1% and less than the $1,424 national average by 6.8%. You can check out the average rates for your state by comparing quotes across different providers.
Personalized Quotes to Get You the Cheapest Car Insurance in Roseville
Several factors influence the cost of your car insurance policy in Roseville, including your gender, age, model of your car, ZIP code and coverage level. That means you will need to compare car insurance quotes from various insurers to get the best coverage. Shopping around also allows you to secure the best discounts and other perks from insurers.
Compare Car Insurance Rates in Roseville
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Roseville
MoneyGeek analyzed average premiums, customer satisfaction and claims ratings from multiple insurers to help you find the best car insurance companies in Roseville, California.
We learned that the top-rated insurers in the city are:
- AAA: MoneyGeek score of 95 out of 100
- Esurance: MoneyGeek score of 86 out of 100
USAA is also available in Roseville, but we excluded it from our analysis because only eligible military members and their families can purchase its policies. Using our unique scoring system, USAA received a MoneyGeek score of 82 out of 100, making it the third-best auto insurance company in Roseville.
1
AAA
Score:95
Taking MoneyGeek’s top spot in Roseville is AAA which ranked first in terms of affordability, satisfaction and claims ratings. A full coverage AAA policy costs around $1,100 per year, with identity theft coverage and roadside assistance already included.
More About AAA
AAA’s identity theft coverage protects your personal and financial information through identity theft monitoring. Only a select number of leading insurers provide this unique add-on. If you’re a frequent traveler, you’ll also stand to benefit from AAA’s roadside assistance and rental car and/or travel reimbursement coverages, helping you to enjoy hassle-free travel. While roadside assistance is already included in standard AAA policies, rental car and/or travel reimbursement comes at an average additional cost of $110.
Read MoneyGeek's AAA auto Insurance Review2
Esurance
Score:86
Scoring highly on affordability and stability, Esurance is MoneyGeek’s runner-up in Roseville. It offers custom parts and equipment coverage which is rare among insurers. A full-coverage Esurance policy for a 40-year-old costs around $990 yearly.
More About Esurance
A rare add-on is custom parts and equipment coverage which will pay you for any damages to after-market upgrades you’ve installed in your car, such as a fancy sound system or custom wheels. Esurance’s gap insurance add-on will pay up to 25% more than your car’s actual cash value to help you manage your loan or lease when times are tough. Its rideshare insurance, called ShareSmart, ensures that there are no gaps in coverage between your personal policy and rideshare insurance policy. This option is only available in three states, including California.
Read MoneyGeek's Esurance auto Insurance Review3
GEICO
Score:75
4
State Farm
Score:74
5
Progressive
Score:68
6
Mercury
Score:63
7
Allstate
Score:61
8
MetLife
Score:54
9
Travelers
Score:52
10
Farmers
Score:36
11
Hartford
Score:32
12
Allied
Score:22
Average Cost of Car Insurance by Postal Code
Car insurance rates in Roseville vary based on the ZIP code. If you live in a neighborhood that records higher rates of accidents, car thefts and other similar incidents, you will pay higher premiums for car insurance. However, the rates may only vary by a few dollars.
For instance, if you live in ZIP code 95678, you will pay roughly $11 more per year than drivers in ZIP code 95747.
- Zip CodeState Minimumper year
- 95678$1,322
- 95747$1,333
Factors That Impact Insurance Costs in Roseville
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 Roseville. How Roseville ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
