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.
Cheapest and Best Car Insurance in Roseville, CA, (2024)
CSAA has the cheapest minimum coverage for car insurance in Roseville, California at $466 annually. Capital Insurance Group, with a solid MoneyGeek score of 81 (out of 100), ranks as the best for blending affordability and service.
Updated: November 19, 2024
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Cheapest and Best Car Insurance in Roseville
Why Trust MoneyGeek? We analyzed 352,910 quotes in California, including the city of Roseville, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Roseville insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.
These rates reflect the cheapest car insurance quotes in Roseville, CA, as of July 2024.
Cheapest Minimum Liability Car Insurance in Roseville
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.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
CSAA | $466 | $39 |
GEICO | $483 | $40 |
Mercury | $491 | $41 |
Progressive | $512 | $43 |
State Farm | $544 | $45 |
National General | $579 | $48 |
State National | $610 | $51 |
Capital Insurance Group | $643 | $54 |
Allstate | $646 | $54 |
Farmers | $652 | $54 |
Kemper | $668 | $56 |
Travelers | $678 | $56 |
Hartford | $678 | $57 |
Nationwide | $684 | $57 |
Chubb | $762 | $63 |
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.
Cheapest Full Coverage Car Insurance in Roseville
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.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Progressive | $1,141 | $95 |
Allstate | $1,191 | $99 |
GEICO | $1,212 | $101 |
Mercury | $1,232 | $103 |
National General | $1,267 | $106 |
CSAA | $1,329 | $111 |
State National | $1,354 | $113 |
State Farm | $1,365 | $114 |
Hartford | $1,389 | $116 |
Capital Insurance Group | $1,440 | $120 |
Kemper | $1,566 | $130 |
Nationwide | $1,661 | $138 |
Chubb | $1,785 | $149 |
Travelers | $1,870 | $156 |
Farmers | $1,958 | $163 |
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.
Cheapest Car Insurance in Roseville After a Driving Offense
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.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
- Accident
- DUI
- Speeding
National General | $1,327 | $111 |
Mercury | $1,623 | $135 |
Capital Insurance Group | $1,654 | $138 |
CSAA | $1,677 | $140 |
Allstate | $1,727 | $144 |
GEICO | $1,804 | $150 |
State National | $1,924 | $160 |
State Farm | $2,026 | $169 |
Kemper | $2,081 | $173 |
Hartford | $2,081 | $173 |
Progressive | $2,159 | $180 |
Chubb | $2,337 | $195 |
Farmers | $2,712 | $226 |
Travelers | $2,829 | $236 |
Nationwide | $2,871 | $239 |
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.
Cheapest Car Insurance in Roseville for Teens and Their Families
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.
- 16
- 17
- 18
- 19
- 20
- 21
- 22
- 23
- 24
- 25
- Female
- Male
State Farm | $2,573 | $2,849 |
Allstate | $2,952 | $3,181 |
Farmers | $2,972 | $4,381 |
GEICO | $3,115 | $3,518 |
Capital Insurance Group | $3,475 | $3,393 |
Progressive | $3,615 | $3,972 |
Travelers | $3,691 | $3,337 |
Kemper | $4,791 | $6,396 |
Nationwide | $4,961 | $7,043 |
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.
Cheapest Car Insurance in Roseville for Military Drivers
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.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Progressive | $1,141 | $95 |
Allstate | $1,191 | $99 |
GEICO | $1,212 | $101 |
USAA | $1,232 | $103 |
Mercury | $1,232 | $103 |
National General | $1,267 | $106 |
CSAA | $1,329 | $111 |
State National | $1,354 | $113 |
State Farm | $1,365 | $114 |
Hartford | $1,389 | $116 |
Capital Insurance Group | $1,440 | $120 |
Kemper | $1,566 | $130 |
Nationwide | $1,661 | $138 |
Chubb | $1,785 | $149 |
Travelers | $1,870 | $156 |
Farmers | $1,958 | $163 |
How to Compare Cheap Roseville Car Insurance Quotes Online
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.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Dec 05, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance in Roseville: Overview
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.
Overall Best Car Insurance in Roseville
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.
Capital Insurance Group's high MoneyGeek score is bolstered by customer satisfaction and its claims handling. Capital Insurance Group also has high claims scores and provides several key coverages. It also offers roadside assistance, full glass coverage and custom parts coverage. These coverages appeal to diverse customers.
- Ranks first in the city for general customer satisfaction
- Ranks second in the city for claims satisfaction
- Offers roadside assistance and full glass coverage
- Ranks third for key coverages
- Ranks tenth in the city for cost
- Does not offer rental car and/or travel reimbursement or gap Insurance
MoneyGeek ranks Roseville's top car insurers, valuing customer satisfaction and cost-effectiveness, with claims service, coverage options and financial health also key.
Best Car Insurance in Roseville for Customer Service
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.
Chubb's high MoneyGeek Score is most influenced by their exceptional satisfaction and claims scores. Chubb's rare coverages, such as antique/classic car Insurance, OEM coverage and diminished value coverage, help it appeal to many people. It does provide common coverages like rental car/travel reimbursement.
- Ranks second in the city for general customer satisfaction
- Ranks first in the city for claims satisfaction
- Offers rare OEM Coverage and common rental car/travel reimbursement
MoneyGeek rates Roseville's top car insurers, prioritizing customer satisfaction and efficient claims processing, with coverage options and financial health also key.
Best Cheap Car Insurance Companies in Roseville
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.
Mercury excels in affordability, with an annual premium of just $491, Mercury ensures the average driver enjoys economical minimum coverage. It offers reasonably rare discounts such as automatic payment and the teacher discount.
Mercury has a comprehensive discount strategy, offering all the common discounts, such as bundling, multiple cars and safe driving. It also offers an anti-theft discount and a pay-in-full discount.
- Offers reasonably common anti-theft and paperless discounts
- Ranks second in the city for coverage options, with rare discounts for teachers
- Not top-ranked for customer satisfaction
MoneyGeek ranks Roseville's top car insurance focusing on cost-effectiveness for basic coverage and customer satisfaction, also considering claim processes, coverage options and company solvency.
Average Cost of Car Insurance in Roseville
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.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.