Updated: January 25, 2026
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AAA offers Roseville's cheapest minimum coverage at $44 monthly. Full coverage from AAA starts at $98 per month or $1,181 annually. These prices assume a clean driving record with no violations.
Your age and driving history influence which provider offers you the lowest premium. Compare quotes from several carriers to find your best rate.
| AAA | $98 | $44 | -40% |
| Geico | $105 | $49 | -35% |
| State Farm | $140 | $65 | -14% |
| Progressive | $124 | $68 | -19% |
| Mercury Insurance | $153 | $80 | -2% |
California drivers pay $131 monthly for full coverage on average, but Roseville residents pay $155 per month. Minimum coverage runs $76 in Roseville compared to $61 statewide.
Roseville's growing population brings heavier traffic and more accidents, which means more claims. Vehicle theft rates for certain models also run higher here, pushing premiums above state averages.
Getting quotes from several insurers helps Roseville drivers find the most competitive rates available.
| $155 | $131 |
Read More: The cheapest car insurance in California
Young drivers in Roseville pay high premiums, averaging $214 monthly across the top five insurers. Adult drivers pay $124 monthly, while seniors average $130 monthly. Young drivers cost more to insure because they have less road experience and file more claims.
Cheapest Roseville car insurance by age:
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.
| State Farm | $195 | $2,339 |
| AAA | $197 | $2,367 |
| Geico | $198 | $2,372 |
| Wawanesa Insurance | $217 | $2,599 |
| Allstate | $262 | $3,149 |
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.
| Geico | $112 | $1,343 |
| AAA | $118 | $1,412 |
| State Farm | $120 | $1,442 |
| Allstate | $148 | $1,781 |
| Progressive | $154 | $1,843 |
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.
| AAA | $98 | $1,181 |
| Geico | $105 | $1,258 |
| Progressive | $124 | $1,492 |
| State Farm | $140 | $1,675 |
| Mercury Insurance | $153 | $1,832 |
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.
| Geico | $117 | $1,407 |
| Farmers | $138 | $1,658 |
| Mercury Insurance | $140 | $1,683 |
| AAA | $152 | $1,819 |
| Auto Owners | $153 | $1,835 |
Car insurance costs vary across Roseville. ZIP code 95678 has the highest rates at $167 monthly, while ZIP code 95747 has the lowest at $61. Check the table below for your ZIP code's rates.
The two most populated areas (ZIP codes 95747 and 95678) see minimum coverage rates of $132 and $167 per month. Local accident rates, vehicle theft, population density and uninsured driver concentrations all affect these prices.
Use the table filter to locate your neighborhood and check your area's rate.
| 95661 | $84 | $167 |
Getting strong auto insurance rates in Roseville comes down to choosing coverage that fits how you drive and which companies price that risk best.
Use our car insurance coverage needs calculator to get guidance based on how you drive and what you want protected. This helps narrow your options and keeps you from paying for coverage that does not add value.
Get familiar with the types of car insurance available in Roseville. Pay-per-mile coverage can work well for low-mileage drivers, while non-owner coverage is a good fit if you borrow vehicles from time to time.
Car insurance rates can differ within Roseville depending on where you live. Neighborhood traffic levels, theft rates, and claim history all influence pricing, so reviewing local averages gives you a clearer baseline.
Look into every car insurance discount available to you. Bundling policies or qualifying for multi-car discount rates can lower your premium, along with savings for safe driving, students, and vehicle safety features.
Cost matters, but service matters too. Look at insurer ratings and customer feedback for companies operating in Roseville. Financial strength scores show how well a company handles claims, while reviews give insight into real customer experiences.
Prices can differ widely even when coverage stays the same. Getting quotes from at least three insurers makes it easier to spot better pricing and avoid overpaying.
An annual policy check keeps your coverage aligned with current rates and life changes. New discounts, changes in driving habits, or market shifts can all affect what you should be paying.
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.
AAA provides the most affordable minimum and full coverage in Roseville at $852 annually. Since personal factors affect your rates, shop around with multiple companies for the best deal.
AAA ranks first among Roseville car insurance providers with its MoneyGeek score of 88, matching Progressive's performance. The company performs well in affordability and customer experience for local drivers.
Car insurance in Roseville averages $912 annually for minimum coverage and $1,860 for full coverage based on citywide pricing. Rates change based on age, driving history and insurer.
Yes, car insurance costs in Roseville are high, with the city ranking 1117th for full coverage and 1156th for minimum coverage affordability among California cities.
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
