Compare the Cheapest Car Insurance Quotes in Roseville

The average cost of car insurance in Roseville is $1,327 per year, 7.1% lower than the state average of $1,429. To help you secure cheap car insurance in Roseville, MoneyGeek analyzed the most affordable providers in the city based on coverage amounts and driving history. The cheapest provider is Esurance, with an average annual cost of $990 annually. MoneyGeek also ranked the best insurers in terms of affordability and service quality.

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Last Updated: 5/16/2022
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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.

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The Cheapest and Best Car Insurance in Roseville

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
  • Company
    100/300/100per year
  • 1.
    Esurance
    $990
  • 2.
    CSAA
    $1,100
  • 3.
    Progressive
    $1,123
  • 4.
    USAA
    $1,152
  • 5.
    GEICO
    $1,212
  • 6.
    Allstate
    $1,249
  • 7.
    State Farm
    $1,260
  • 8.
    Mercury
    $1,318
  • 9.
    MetLife
    $1,388
  • 10.
    Hartford
    $1,493
  • 11.
    Travelers
    $1,581
  • 12.
    Farmers
    $1,597
  • 13.
    Allied
    $1,620

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.

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Insurance Rates

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

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

  • Item
    Description
  • 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

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.

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Insurance Rates

The Best Car Insurance Companies in Roseville

Roseville’s best car insurance companies balance affordable costs and high-quality service. MoneyGeek determined the average scores of each company using various factors, including user satisfaction, financial stability, affordability and information from J.D. Power and other third-party institutions.

From the analysis, the best car insurance companies in Roseville are:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA scored even higher, although we excluded it from our analysis because it only serves military members and their families.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

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 Code
    State 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.

accident2 icon
Most Accidents With Fatalities293rd/300
handcuffs2 icon
Most Car Thefts206th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall211th/300
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Most Rainy Days232nd/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Roseville are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.