Your particular needs and driver profile can affect which company is the cheapest for you. In Roseville, California, GEICO offers the lowest rates for minimum coverage, while National General is the most affordable for full coverage, drivers with a speeding ticket and those with a DUI. CSAA offers the cheapest coverage for drivers with accidents on their records. Lastly, teens on a family policy may find the lowest rates with State Farm.
If you want a blend of affordability and service quality, GEICO is MoneyGeek’s winner for the best overall insurer and the best cheap car insurance in Roseville, whereas Chubb is our top pick for customer service.
Cheapest and Best Car Insurance in Roseville, CA








Cheapest Minimum Liability Car Insurance in Roseville
Roseville’s most affordable car insurance companies for minimum coverage are:
- GEICO: $424 per year
- CSAA: $446 per year
An average minimum coverage policy from Chubb is the most expensive at $762 per year.
Minimum coverage policies only meet the baseline liability coverage requirements set by state law. In California, this coverage includes bodily injury and personal property damage with the following limits:
- $15,000 in bodily injury liability per person
- $30,000 in bodily injury liability per accident
- $5,000 in property damage liability per accident
Liability-only coverage only protects you against the cost of damages to third parties. If you are at fault in an accident and have $15,000 in bodily injury liability per person and $30,000 per accident, your insurer will only cover damages up to these limits, and you’ll need to pay the rest.
Cheapest Full Coverage Car Insurance in Roseville
Full coverage policies for Roseville drivers are the cheapest from these providers:
- National General: $1,030 per year
- GEICO: $1,060 per year
Chubb is the most expensive auto insurer, with full coverage policies costing an average of $1,785 per year.
Having full coverage means adding comprehensive and collision insurance to your policy.
- Collision Insurance: Covers the cost of repair or replacement to your vehicle if it gets damaged due to colliding with another car or a stationary object.
- Comprehensive Insurance: Pays for the repair or replacement of your car if it gets damaged due to a non-accident incident, such as a weather-related event or break-in.
Although a full coverage policy provides additional protection, paying hundreds more per year may not be a wise decision if your vehicle is older or has a low value.
Cheapest Car Insurance in Roseville After a Driving Offense
In Roseville, the least expensive auto insurers for drivers with the following violations on their records are:
- Speeding ticket: National General ($1,081 per year)
- At-fault accident: CSAA ($1,457 per year)
- DUI: National General ($1,081 per year)
The most expensive companies after a speeding ticket, at-fault accident or DUI are Chubb ($2,337 per year), Kemper ($3,469 per year) and The Hartford ($5,164 per year), respectively.
Having a poor driving record can significantly affect your premiums, so even the lowest rates will be expensive after a violation.
While it doesn’t always happen, your car insurance rates may increase based on the severity of the violation. For instance, Roseville drivers with at-fault accidents on their records pay roughly $376 more for the cheapest policy than drivers with speeding tickets. Looking for the cheapest auto insurance with a bad driving record may help you save on premiums.
Cheapest Car Insurance in Roseville for Teens and Their Families
Sixteen-year-old teenage drivers on a family policy in Roseville may find the lowest full coverage rates from:
- State Farm: $2,573 per year
- Allstate: $2,952 per year
Nationwide’s rate for a teen girl or boy on a family policy is the highest at an average of $4,961 per year. Auto insurers often consider teen boys to carry more risk than teen girls and charge them higher rates. In Roseville, for example, GEICO charges $3,115 for teen girls and $3,285 for teen boys. This difference tends to drop off as teens mature into young adults.
Car insurance rates are higher for teens if they buy a policy themselves instead of joining a family policy. In Roseville, a full coverage policy is roughly $673 more expensive for 16-year-old teen boys buying separate coverage than for those added to a family policy. Families may save hundreds of dollars each year by shopping around and finding the cheapest auto insurance for teens.
Cheapest Car Insurance in Roseville for Military Drivers
For military families, Roseville’s cheapest options for full coverage car insurance are:
- USAA: $900 per year
- National General: $1,030 per year
If you want minimum coverage, USAA also offers the most affordable car insurance for military drivers at approximately $393 per year, while GEICO becomes the second-cheapest option at roughly $424 per year.
How to Compare Cheap Roseville Car Insurance Quotes Online
Comparing car insurance quotes online can be a time-consuming process. It may take 15 minutes or more to get a quote from a single company because you have to submit various personal details.
Our car insurance calculator can help ease this process by providing rough estimates of your rates with different insurers based on just your age, vehicle type, coverage level and driving record.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Average Annual Auto Insurance Rates
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Best Car Insurance in Roseville: Summary
Your best option for car insurance may depend on how much you value cost, service quality, coverage options and other factors. Our analysis found that Roseville’s best car insurance companies are:
- Best overall: GEICO (MoneyGeek score of 74 out of 100)
- Best for service: Chubb (MoneyGeek score of 76 out of 100)
- Best cheap: GEICO (MoneyGeek score of 78 out of 100)
A company’s overall MoneyGeek score may change based on how factors are weighted differently in each category.
On a statewide basis, CSAA is the best car insurance company in California, indicating that location is an important factor affecting the cost and coverage of auto insurance. If you have a military background, USAA is another great option, with a MoneyGeek score of 85 out of 100.
Best Overall Car Insurance in Roseville
Considering affordability and service quality, the best car insurance companies in Roseville are:
- GEICO: MoneyGeek score of 74 out of 100 ($1,060 per year)
- State Farm: MoneyGeek score of 74 out of 100 ($1,087 per year)
GEICO ranked the highest out of 14 insurers because of its combined affordability and quality service.
USAA received a MoneyGeek score of 85 out of 100, making it the best car insurance company for Roseville drivers with a military background.
How was this MoneyGeek score calculated?

pros
Ranks #2 for affordability
Ranks #5 for customer satisfaction
Rare optional coverages like mechanical breakdown insurance
cons
Below-average claims management and coverage scores
Lacks some basic coverages like gap insurance
COMPANY HIGHLIGHTS
GEICO is our pick for the best car company in Roseville for combining affordable policies with quality service. Although it lacks some common coverages, the ones it offers are valuable, including mechanical breakdown insurance.
By adding mechanical breakdown insurance to your auto policy, you are covered for all of your car’s parts and systems — including those not usually included in most dealer warranties — at a cheaper cost. However, this unique add-on coverage is only available for vehicles that are less than 15 months old and with less than 15,000 miles.
For common optional coverages, GEICO offers rental car and/or travel reimbursement and roadside assistance. It doesn’t provide gap insurance, which can be beneficial for drivers who haven’t paid off their car lease or loan.
Best Car Insurance in Roseville for Customer Service
Excluding cost from our analysis, the best auto insurers in Roseville for customer service are:
- Chubb: MoneyGeek score of 76 out of 100 ($1,785 per year)
- Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,430 per year)
Chubb scored the highest out of 14 insurers for its above-average customer satisfaction and outstanding claims management. However, it’s more expensive than all of its competitors, meaning you will pay more to get the best customer service.
How was this MoneyGeek score calculated?

pros
Ranks #1 for claims management
Ranks #2 for customer satisfaction
Offers unique optional coverages like original equipment manufacturer (OEM) coverage
cons
Lacking many popular coverage options
COMPANY HIGHLIGHTS
According to J.D. Power’s customer satisfaction study and the National Association of Insurance Commissioners (NAIC) customer complaint index, Chubb provides stellar service to its customers. It also has optional coverages that are beneficial to many types of drivers, including original equipment manufacturer (OEM) coverage.
With Chubb, you can supplement your auto insurance policy with OEM coverage. This unique coverage pays for the cost of original parts and procedures to ensure that your car is restored to its previous look, feel and function after an accident.
Chubb also offers diminished value coverage, which reimburses you for the agreed-upon value of your car when your policy was written instead of its actual depreciated value at the time of the accident. By getting this, you can save thousands of dollars in the event of a covered loss.
Best Cheap Car Insurance in Roseville
In Roseville, the best car insurance companies for policies that only meet California’s minimum coverage requirements are:
- GEICO: MoneyGeek score of 78 out of 100 ($424 per year)
- State Farm: MoneyGeek score of 73 out of 100 ($471 per year)
Although you get the lowest rates with minimum coverage policies, you have little protection against liability costs and no coverage for damages to your own car in the event of an accident.
How was this MoneyGeek score calculated?

pros
An affordable minimum coverage policy costs $424 per year
Provides discounts for multiple cars, anti-theft systems and seat belt use
Above-average customer satisfaction score
cons
Poor claims management
No paperless or pay-in-full discounts
COMPANY HIGHLIGHTS
If you’re looking for minimum coverage policies, GEICO may be the best option for its low rates and quality service. At an average of $424 per year, it’s the cheapest car insurance company in Roseville. It also offers various discounts to make its policies even more affordable.
GEICO policyholders may qualify for premium savings for bundling policies together, insuring more than one vehicle, being accident-free for five years or having safety features like airbags, anti-lock brakes or anti-theft systems. The company also has unique discounts for new vehicles and seat belt use.
If you are an active or retired federal employee, active or retired military member or at least 50 years old, you may also be eligible for a discount with GEICO.
Average Cost of Car Insurance in Roseville
In Roseville, the average cost of car insurance with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident is $1,309 per year. This is $78 cheaper than the average cost of car insurance in California and $44 more expensive than the national average of $1,265 per year. As always, your geographical location is one of many factors affecting how much you pay for car insurance.
About Mark Fitzpatrick
