Cheapest and Best Car Insurance in Roseville, CA, (July 2024)

Finding the most affordable car insurance in Roseville hinges on your coverage preferences or driver profile. For full coverage, Progressive offers the lowest rates, while GEICO is optimum for families with teens. These choices differ from the minimum coverage leader, CSAA. In terms of service, Chubb stands out, but the pinnacle of overall value, balancing cost and customer experience, is Capital Insurance Group. The ideal company for you will align with your particular needs and coverage requirements.

MoneyGeek found that CSAA offers the most affordable minimum coverage car insurance in Roseville. Looking for the cheapest car insurance is essential, and CSAA leads the pack with great rates. Here are the two top providers by annual premium:

• CSAA: $466 per year
• GEICO: $483 per year

On the other end, Chubb has the highest-priced minimum coverage policy in Roseville, with an annual premium of $762. Comparing the cheapest and the most expensive, Chubb's rates are $296 higher annually than CSAA's. This substantial difference underscores the significance of comparing car insurance quotes to ensure you're getting the best deal possible.

Across all cities in California, from the coastal waves to the streets of Roseville, the requirements for minimum car insurance coverage are dictated by state law:

• $15,000 bodily injury per person
  
• $30,000 bodily injury per accident
  
• $5,000 property damage liability per accident
  

For instance, with the mandated coverage, if you're at fault in an accident, your policy would cover up to $15,000 for injuries per person involved, and a total of $30,000 for injuries per accident. Should the injuries of any individual exceed $15,000, or the total injuries of all parties exceed $30,000, you would be responsible for paying the difference out-of-pocket.

MoneyGeek found that Progressive offers the cheapest option in Roseville for those searching for the cheapest full coverage car insurance. Here are the two providers with the lowest annual premiums:

• Progressive: $1,141 per year
• Allstate: $1,191 per year

Farmers presents the most expensive full coverage policy in Roseville at $1,958 annually, highlighting a notable difference of $817 when compared to Progressive.

Full-coverage auto insurance includes bodily injury liability of $100,000 per person, $300,000 per accident and property damage liability of $100,000 per accident. Simply put, such an enhanced plan is often referred to as a 100/300/100 policy.

Full coverage policies don't just amplify your liability limits; they also incorporate comprehensive and collision insurance provisions:

• Collision Insurance: This component takes care of repairing or replacing your vehicle if it's damaged in a collision, whether it strikes another vehicle or an object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This covers a spectrum of events that are not collision-related, such as theft, vandalism, weather damage, natural disasters and being struck by an animal like a deer.

Selecting full coverage insurance for a new vehicle is a wise strategy to protect your significant investment. However, for older vehicles, the extra coverage might not justify the additional expenditure. When deciding how much car insurance you need you need to find a balance between the cost of higher insurance premiums and the risk of being underinsured.

MoneyGeek found that National General offers the most affordable option for drivers in Roseville seeking full coverage after traffic incidents, varying by the type of offense.

• Speeding Ticket: National General ($1,327 per year)
• At-fault accident: CSAA ($1,677 per year)
• DUI: National General ($1,327 per year)

Among the assessed companies, Hartford exhibits the highest rates for some driving offenses, being particularly costly for a DUI at $5,068 annually.

Insurance rates in Roseville and comparable cities often increase with the severity of a driving offense due to the higher risk perceived by insurers. For instance, drivers with a speeding ticket in Roseville may see an average annual premium of $2,055, while those with a DUI could face an average of $3,465.

MoneyGeek found that State Farm offers the most affordable full coverage car insurance for both male and female teens in Roseville. For those seeking the cheapest car insurance for teens, the following companies are the top two providers:

• State Farm: $2,573 per year for female and male teens
• GEICO: $3,115 per year for female teens and $3,285 per year for male teens

These rates apply when combining the insurance for two parents and a teenager, reflecting the cost of adding a high-risk driver to a family policy. In Roseville, Kemper has the most expensive policy for teen family car insurance, with annual premiums of $4,791 for female teens. This significant cost difference of $2,218 between the cheapest and most expensive options underlines the importance of shopping around.

In Roseville, independent teen policies average $4,299 annually, significantly higher than an average of $3,591 when added to a family plan. This stark $708 difference is due to insurers viewing teens as high-risk drivers, often resulting in costly premiums.

MoneyGeek found that Progressive is the cheapest option in Roseville for those seeking the cheapest car insurance for military backgrounds.

• Progressive: $1,141 per year
• Allstate: $1,191 per year

Although USAA ranks fourth with an annual premium of $1,232, it's important to highlight that USAA is known for its service that specifically caters to the needs of active duty military members.

To find the most economical car insurance rates in Roseville, you can use MoneyGeek's car insurance calculator. By inputting essential details such as age, driving history, credit score and desired coverage level, you can quickly get an accurate estimate of your potential rates.

Choosing the right auto insurance hinges on prioritizing factors like service, cost and coverage. MoneyGeek’s unique scoring system rates these aspects differently, revealing top insurers in Roseville for varied needs:

• Best overall: Capital Insurance Group (81 out of 100)
• Best for service: Chubb (94 out of 100)
• Best cheap: Mercury (80 out of 100)

If you're seeking a balance between service quality and price, Capital Insurance Group is your go-to. For those who prioritize customer service above all, Chubb is unparalleled in Roseville. Meanwhile, if affordability is your main concern, Mercury stands out without compromising on service.

MoneyGeek found that Capital Insurance Group is the best car insurance provider in Roseville. W

• Capital Insurance Group: MoneyGeek score of 81 out of 100 ($1,440 per year)
• Chubb: MoneyGeek score of 80 out of 100 ($1,785 per year)

Capital Insurance ensures your vehicle is covered with a policy that scores high in customer satisfaction and affordability.

MoneyGeek found that Chubb is the best option in Roseville for customers prioritizing exceptional service in their car insurance provider. This ranking reflects the insurer's superior performance in categories such as general satisfaction, claims handling and coverage options.

• Chubb: MoneyGeek score of 94 out of 100 ($1,785 per year)
• Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,440 per year)

Chubb delivers a reassuring insurance experience to its customers.

MoneyGeek found that Mercury is the top choice for drivers seeking the most affordable and reliable car insurance in Roseville. The company's ranking is not purely based on price; it also accounts for customer satisfaction and claims processing efficiency.

• Mercury: MoneyGeek score of 80 out of 100 ($491 per year)
• State Farm: MoneyGeek score of 74 out of 100 ($544 per year)

Mercury provides a balanced combination of low-cost premiums and quality service.

Car insurance prices are influenced by many factors, one of which is the geographical location. For instance, in Roseville, California, the expected average cost of car insurance is $1,458. The average car insurance cost in California differs from the national car insurance average of $1,781, with California premiums costing less by $219.

The premise that car insurance premiums are reliant on multiple factors, including but not limited to, driving history, vehicle type and coverage levels, is widely acknowledged. However, location remains an impactful determinant.