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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.

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2023

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.

Company
Annual Premium
Monthly Premium

State Farm

$357

$30

GEICO

$419

$35

GEICO

$424

$35

CSAA

$446

$37

CSAA

$455

$38

State Farm

$471

$39

CSAA

$487

$41

Mercury

$496

$41

GEICO

$499

$42

Progressive

$505

$42

Mercury

$508

$42

Progressive

$515

$43

Travelers

$535

$45

Travelers

$535

$45

State Farm

$538

$45

Nationwide

$559

$47

Nationwide

$581

$48

State National

$592

$49

National General

$595

$50

Progressive

$603

$50

Travelers

$609

$51

State National

$610

$51

Hartford

$612

$51

National General

$614

$51

Allstate

$621

$52

Mercury

$623

$52

Allstate

$626

$52

Kemper

$668

$56

Allstate

$672

$56

Capital Insurance Group

$681

$57

Farmers

$687

$57

Hartford

$702

$58

Capital Insurance Group

$705

$59

Farmers

$706

$59

State National

$719

$60

Nationwide

$732

$61

National General

$734

$61

Chubb

$762

$63

Kemper

$771

$64

Chubb

$785

$65

Capital Insurance Group

$790

$66

Farmers

$801

$67

State Farm

$848

$71

Hartford

$909

$76

Kemper

$1,018

$85

GEICO

$1,028

$86

National General

$1,030

$86

National General

$1,044

$87

GEICO

$1,060

$88

Allstate

$1,067

$89

State Farm

$1,087

$91

Chubb

$1,089

$91

Progressive

$1,105

$92

Progressive

$1,115

$93

Allstate

$1,120

$93

Mercury

$1,136

$95

CSAA

$1,156

$96

Mercury

$1,156

$96

CSAA

$1,157

$96

GEICO

$1,226

$102

Hartford

$1,230

$102

Allstate

$1,238

$103

Nationwide

$1,245

$104

National General

$1,248

$104

State National

$1,262

$105

State Farm

$1,269

$106

CSAA

$1,273

$106

Progressive

$1,335

$111

Nationwide

$1,351

$113

Capital Insurance Group

$1,352

$113

State National

$1,354

$113

Travelers

$1,369

$114

Hartford

$1,415

$118

Travelers

$1,430

$119

Capital Insurance Group

$1,430

$119

Mercury

$1,497

$125

Kemper

$1,566

$130

Farmers

$1,569

$131

Farmers

$1,594

$133

Capital Insurance Group

$1,611

$134

State National

$1,659

$138

Travelers

$1,691

$141

Nationwide

$1,753

$146

Chubb

$1,785

$149

Hartford

$1,834

$153

Chubb

$1,839

$153

Farmers

$1,884

$157

Kemper

$1,904

$159

Kemper

$2,343

$195

Chubb

$2,622

$219

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.

Company
Annual Premium
Monthly Premium

State Farm

$357

$30

GEICO

$419

$35

GEICO

$424

$35

CSAA

$446

$37

CSAA

$455

$38

State Farm

$471

$39

CSAA

$487

$41

Mercury

$496

$41

GEICO

$499

$42

Progressive

$505

$42

Mercury

$508

$42

Progressive

$515

$43

Travelers

$535

$45

Travelers

$535

$45

State Farm

$538

$45

Nationwide

$559

$47

Nationwide

$581

$48

State National

$592

$49

National General

$595

$50

Progressive

$603

$50

Travelers

$609

$51

State National

$610

$51

Hartford

$612

$51

National General

$614

$51

Allstate

$621

$52

Mercury

$623

$52

Allstate

$626

$52

Kemper

$668

$56

Allstate

$672

$56

Capital Insurance Group

$681

$57

Farmers

$687

$57

Hartford

$702

$58

Capital Insurance Group

$705

$59

Farmers

$706

$59

State National

$719

$60

Nationwide

$732

$61

National General

$734

$61

Chubb

$762

$63

Kemper

$771

$64

Chubb

$785

$65

Capital Insurance Group

$790

$66

Farmers

$801

$67

State Farm

$848

$71

Hartford

$909

$76

Kemper

$1,018

$85

GEICO

$1,028

$86

National General

$1,030

$86

National General

$1,044

$87

GEICO

$1,060

$88

Allstate

$1,067

$89

State Farm

$1,087

$91

Chubb

$1,089

$91

Progressive

$1,105

$92

Progressive

$1,115

$93

Allstate

$1,120

$93

Mercury

$1,136

$95

CSAA

$1,156

$96

Mercury

$1,156

$96

CSAA

$1,157

$96

GEICO

$1,226

$102

Hartford

$1,230

$102

Allstate

$1,238

$103

Nationwide

$1,245

$104

National General

$1,248

$104

State National

$1,262

$105

State Farm

$1,269

$106

CSAA

$1,273

$106

Progressive

$1,335

$111

Nationwide

$1,351

$113

Capital Insurance Group

$1,352

$113

State National

$1,354

$113

Travelers

$1,369

$114

Hartford

$1,415

$118

Travelers

$1,430

$119

Capital Insurance Group

$1,430

$119

Mercury

$1,497

$125

Kemper

$1,566

$130

Farmers

$1,569

$131

Farmers

$1,594

$133

Capital Insurance Group

$1,611

$134

State National

$1,659

$138

Travelers

$1,691

$141

Nationwide

$1,753

$146

Chubb

$1,785

$149

Hartford

$1,834

$153

Chubb

$1,839

$153

Farmers

$1,884

$157

Kemper

$1,904

$159

Kemper

$2,343

$195

Chubb

$2,622

$219

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.

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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.

Company
Annual Premium
Monthly Premium

State Farm

$541

$45

CSAA

$553

$46

CSAA

$553

$46

CSAA

$564

$47

CSAA

$564

$47

State Farm

$565

$47

CSAA

$605

$50

CSAA

$605

$50

National General

$629

$52

National General

$629

$52

Mercury

$637

$53

GEICO

$638

$53

GEICO

$645

$54

National General

$647

$54

National General

$647

$54

Mercury

$654

$55

State Farm

$715

$60

State Farm

$746

$62

GEICO

$749

$62

Capital Insurance Group

$754

$63

GEICO

$757

$63

GEICO

$761

$63

National General

$776

$65

National General

$776

$65

Capital Insurance Group

$782

$65

Capital Insurance Group

$790

$66

Mercury

$798

$67

Mercury

$806

$67

State Farm

$817

$68

Mercury

$818

$68

Capital Insurance Group

$819

$68

Travelers

$821

$68

Travelers

$821

$68

State National

$839

$70

State National

$839

$70

State Farm

$854

$71

Allstate

$862

$72

State National

$865

$72

State National

$865

$72

Nationwide

$865

$72

Allstate

$868

$72

Capital Insurance Group

$878

$73

Hartford

$883

$74

Hartford

$883

$74

Mercury

$887

$74

Kemper

$889

$74

National General

$893

$74

GEICO

$894

$74

Nationwide

$898

$75

Progressive

$911

$76

Mercury

$911

$76

Travelers

$914

$76

Travelers

$917

$76

Capital Insurance Group

$920

$77

National General

$922

$77

Progressive

$933

$78

Farmers

$938

$78

Farmers

$938

$78

Allstate

$940

$78

Travelers

$944

$79

Farmers

$962

$80

Farmers

$962

$80

Nationwide

$962

$80

Chubb

$979

$82

Allstate

$992

$83

Allstate

$999

$83

Nationwide

$1,001

$83

Chubb

$1,003

$84

Progressive

$1,008

$84

Mercury

$1,010

$84

GEICO

$1,016

$85

State National

$1,022

$85

State National

$1,022

$85

Hartford

$1,026

$85

Hartford

$1,026

$85

GEICO

$1,027

$86

Kemper

$1,028

$86

Progressive

$1,034

$86

Travelers

$1,050

$88

National General

$1,081

$90

National General

$1,081

$90

Allstate

$1,085

$90

Farmers

$1,095

$91

Farmers

$1,095

$91

National General

$1,096

$91

National General

$1,096

$91

Travelers

$1,100

$92

Progressive

$1,101

$92

Travelers

$1,101

$92

National General

$1,106

$92

Progressive

$1,109

$92

State Farm

$1,115

$93

Mercury

$1,124

$94

Nationwide

$1,136

$95

Progressive

$1,142

$95

Farmers

$1,172

$98

Capital Insurance Group

$1,184

$99

Chubb

$1,189

$99

Farmers

$1,203

$100

Chubb

$1,211

$101

GEICO

$1,212

$101

Progressive

$1,221

$102

Capital Insurance Group

$1,229

$102

State Farm

$1,257

$105

Nationwide

$1,267

$106

Travelers

$1,273

$106

Chubb

$1,307

$109

National General

$1,311

$109

National General

$1,311

$109

State Farm

$1,317

$110

Progressive

$1,349

$112

Hartford

$1,358

$113

Hartford

$1,358

$113

Kemper

$1,361

$113

Farmers

$1,367

$114

Capital Insurance Group

$1,381

$115

CSAA

$1,457

$121

CSAA

$1,457

$121

CSAA

$1,461

$122

CSAA

$1,461

$122

State Farm

$1,473

$123

Mercury

$1,495

$125

State National

$1,516

$126

Chubb

$1,517

$126

Mercury

$1,521

$127

Kemper

$1,524

$127

Kemper

$1,524

$127

National General

$1,526

$127

Nationwide

$1,528

$127

CSAA

$1,530

$128

Chubb

$1,539

$128

GEICO

$1,542

$128

Allstate

$1,543

$129

Capital Insurance Group

$1,546

$129

National General

$1,549

$129

Chubb

$1,563

$130

State National

$1,563

$130

CSAA

$1,564

$130

Capital Insurance Group

$1,586

$132

Nationwide

$1,590

$133

GEICO

$1,591

$133

CSAA

$1,605

$134

CSAA

$1,605

$134

State Farm

$1,616

$135

Allstate

$1,624

$135

Capital Insurance Group

$1,637

$136

Capital Insurance Group

$1,679

$140

CSAA

$1,680

$140

State Farm

$1,682

$140

State Farm

$1,691

$141

GEICO

$1,732

$144

Allstate

$1,774

$148

GEICO

$1,784

$149

Allstate

$1,789

$149

State National

$1,794

$149

State National

$1,794

$149

Allstate

$1,805

$150

Hartford

$1,834

$153

Hartford

$1,834

$153

GEICO

$1,841

$153

Capital Insurance Group

$1,845

$154

Kemper

$1,853

$154

Kemper

$1,853

$154

National General

$1,855

$155

State National

$1,860

$155

Chubb

$1,867

$156

Mercury

$1,870

$156

State Farm

$1,885

$157

Capital Insurance Group

$1,896

$158

Mercury

$1,902

$159

Allstate

$1,907

$159

State National

$1,924

$160

State National

$1,924

$160

Nationwide

$1,928

$161

Allstate

$1,947

$162

State Farm

$1,975

$165

Mercury

$1,978

$165

Mercury

$2,011

$168

Allstate

$2,016

$168

Nationwide

$2,020

$168

Mercury

$2,040

$170

GEICO

$2,067

$172

Travelers

$2,075

$173

Kemper

$2,081

$173

Progressive

$2,089

$174

Nationwide

$2,095

$175

Progressive

$2,110

$176

Hartford

$2,118

$177

Hartford

$2,120

$177

Hartford

$2,120

$177

Nationwide

$2,148

$179

Travelers

$2,163

$180

Farmers

$2,164

$180

Farmers

$2,164

$180

Farmers

$2,201

$183

Farmers

$2,201

$183

Allstate

$2,247

$187

Progressive

$2,287

$191

Travelers

$2,310

$192

Progressive

$2,314

$193

Kemper

$2,334

$194

Kemper

$2,334

$194

Nationwide

$2,335

$195

Chubb

$2,337

$195

State National

$2,362

$197

State National

$2,362

$197

Chubb

$2,393

$199

Travelers

$2,401

$200

Capital Insurance Group

$2,419

$202

GEICO

$2,456

$205

Mercury

$2,472

$206

Hartford

$2,498

$208

Kemper

$2,532

$211

GEICO

$2,533

$211

Progressive

$2,537

$211

Capital Insurance Group

$2,561

$213

Travelers

$2,578

$215

Farmers

$2,602

$217

Farmers

$2,602

$217

State Farm

$2,602

$217

Progressive

$2,610

$218

Progressive

$2,645

$220

Mercury

$2,646

$221

Farmers

$2,705

$225

Nationwide

$2,728

$227

Farmers

$2,751

$229

Hartford

$2,775

$231

Hartford

$2,775

$231

Progressive

$2,783

$232

Travelers

$2,868

$239

Chubb

$2,868

$239

Travelers

$2,873

$239

Capital Insurance Group

$2,891

$241

Chubb

$2,926

$244

GEICO

$2,934

$245

Travelers

$3,004

$250

Nationwide

$3,046

$254

Kemper

$3,120

$260

Chubb

$3,175

$265

Progressive

$3,182

$265

Farmers

$3,252

$271

State National

$3,336

$278

State Farm

$3,342

$279

Allstate

$3,347

$279

Hartford

$3,393

$283

Nationwide

$3,416

$285

Kemper

$3,469

$289

Kemper

$3,469

$289

Allstate

$3,538

$295

State National

$3,586

$299

Travelers

$3,608

$301

Chubb

$3,707

$309

Nationwide

$3,718

$310

Chubb

$3,759

$313

Chubb

$3,817

$318

State Farm

$3,900

$325

Allstate

$3,946

$329

CSAA

$4,114

$343

CSAA

$4,122

$343

Kemper

$4,356

$363

Kemper

$4,356

$363

State National

$4,419

$368

Hartford

$4,423

$369

CSAA

$4,544

$379

Chubb

$4,599

$383

Nationwide

$4,866

$405

Hartford

$5,164

$430

Kemper

$5,213

$434

Kemper

$5,213

$434

Hartford

$6,878

$573

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,377

$2,214

GEICO

$1,409

$2,266

GEICO

$1,412

$2,496

GEICO

$1,427

$2,381

GEICO

$1,444

$2,321

GEICO

$1,451

$2,566

GEICO

$1,472

$2,711

GEICO

$1,491

$2,635

Allstate

$1,619

$2,614

Allstate

$1,619

$2,614

GEICO

$1,634

$2,445

GEICO

$1,688

$2,792

Allstate

$1,695

$2,737

Allstate

$1,695

$2,737

Nationwide

$1,724

$3,572

Nationwide

$1,724

$3,572

Progressive

$1,738

$2,794

Progressive

$1,738

$2,794

Allstate

$1,738

$3,040

Allstate

$1,738

$3,040

Allstate

$1,756

$2,835

Allstate

$1,756

$2,835

State Farm

$1,777

$2,602

State Farm

$1,777

$2,602

Capital Insurance Group

$1,844

$2,359

Capital Insurance Group

$1,844

$2,359

State Farm

$1,848

$2,706

State Farm

$1,848

$2,706

Allstate

$1,863

$3,054

Allstate

$1,863

$3,054

State Farm

$1,880

$2,936

State Farm

$1,880

$2,936

Progressive

$1,881

$3,024

Progressive

$1,881

$3,024

State Farm

$1,891

$2,769

State Farm

$1,891

$2,769

Nationwide

$1,891

$3,917

Nationwide

$1,891

$3,917

Nationwide

$1,951

$4,480

Nationwide

$1,951

$4,480

Progressive

$2,013

$3,737

Progressive

$2,013

$3,737

State Farm

$2,014

$2,993

State Farm

$2,014

$2,993

Nationwide

$2,027

$4,198

Nationwide

$2,027

$4,198

Farmers

$2,035

$2,906

Farmers

$2,035

$2,906

Kemper

$2,043

$4,124

Kemper

$2,043

$4,124

Travelers

$2,063

$2,800

Travelers

$2,063

$2,800

Capital Insurance Group

$2,099

$2,794

Capital Insurance Group

$2,099

$2,794

GEICO

$2,104

$3,554

Progressive

$2,108

$3,388

Progressive

$2,108

$3,388

Travelers

$2,136

$2,899

Travelers

$2,136

$2,899

Allstate

$2,136

$3,893

Allstate

$2,136

$3,893

State Farm

$2,139

$3,333

State Farm

$2,139

$3,333

Kemper

$2,157

$4,355

Kemper

$2,157

$4,355

State Farm

$2,158

$3,207

State Farm

$2,158

$3,207

Allstate

$2,172

$3,560

Allstate

$2,172

$3,560

Travelers

$2,179

$3,111

Travelers

$2,179

$3,111

Capital Insurance Group

$2,185

$2,794

Capital Insurance Group

$2,185

$2,794

Capital Insurance Group

$2,185

$2,794

Capital Insurance Group

$2,185

$2,794

GEICO

$2,186

$4,099

Travelers

$2,225

$3,021

Travelers

$2,225

$3,021

Kemper

$2,270

$5,121

Kemper

$2,270

$5,121

Farmers

$2,279

$3,370

Farmers

$2,279

$3,370

Nationwide

$2,284

$4,911

Nationwide

$2,284

$4,911

GEICO

$2,301

$3,442

Kemper

$2,346

$4,737

Kemper

$2,346

$4,737

Farmers

$2,360

$3,370

Farmers

$2,360

$3,370

Farmers

$2,360

$3,370

Farmers

$2,360

$3,370

State Farm

$2,377

$4,227

State Farm

$2,377

$4,227

GEICO

$2,392

$3,957

Travelers

$2,431

$3,265

Travelers

$2,431

$3,265

Capital Insurance Group

$2,438

$3,144

Capital Insurance Group

$2,438

$3,144

Progressive

$2,496

$4,099

Progressive

$2,496

$4,099

State Farm

$2,520

$4,481

State Farm

$2,520

$4,481

Capital Insurance Group

$2,528

$3,144

Capital Insurance Group

$2,528

$3,144

Farmers

$2,549

$3,864

Farmers

$2,549

$3,864

State Farm

$2,573

$5,021

State Farm

$2,573

$5,021

Kemper

$2,630

$5,429

Kemper

$2,630

$5,429

Travelers

$2,638

$3,767

Travelers

$2,638

$3,767

Travelers

$2,679

$3,598

Travelers

$2,679

$3,598

Capital Insurance Group

$2,707

$3,490

Capital Insurance Group

$2,707

$3,490

Farmers

$2,755

$4,450

Farmers

$2,755

$4,450

Farmers

$2,781

$4,215

Farmers

$2,781

$4,215

Nationwide

$2,814

$6,789

Nationwide

$2,814

$6,789

Kemper

$2,848

$5,881

Kemper

$2,848

$5,881

Allstate

$2,851

$5,597

Allstate

$2,851

$5,597

Kemper

$2,873

$6,484

Kemper

$2,873

$6,484

Farmers

$2,901

$5,735

Farmers

$2,901

$5,735

GEICO

$2,906

$5,140

Allstate

$2,952

$5,896

Allstate

$2,952

$5,896

Farmers

$2,972

$5,998

Farmers

$2,972

$5,998

Farmers

$2,981

$5,894

Farmers

$2,981

$5,894

Nationwide

$3,002

$6,455

Nationwide

$3,002

$6,455

Allstate

$3,003

$5,896

Allstate

$3,003

$5,896

GEICO

$3,046

$5,974

Progressive

$3,112

$5,800

Progressive

$3,112

$5,800

GEICO

$3,115

$5,739

GEICO

$3,195

$5,652

GEICO

$3,285

$6,754

Progressive

$3,308

$5,431

Progressive

$3,308

$5,431

GEICO

$3,364

$6,597

Capital Insurance Group

$3,475

$4,319

Capital Insurance Group

$3,475

$4,319

Capital Insurance Group

$3,475

$4,319

Capital Insurance Group

$3,475

$4,319

Capital Insurance Group

$3,475

$4,319

Capital Insurance Group

$3,475

$4,319

Travelers

$3,526

$4,749

Travelers

$3,526

$4,749

Progressive

$3,592

$7,374

Progressive

$3,592

$7,374

Progressive

$3,615

$7,439

Progressive

$3,615

$7,439

Progressive

$3,629

$7,451

Progressive

$3,629

$7,451

Travelers

$3,683

$4,962

Travelers

$3,683

$4,962

Travelers

$3,691

$5,207

Travelers

$3,691

$5,207

Nationwide

$4,275

$9,178

Nationwide

$4,275

$9,178

Kemper

$4,334

$8,853

Kemper

$4,334

$8,853

Kemper

$4,747

$9,699

Kemper

$4,747

$9,699

Kemper

$4,791

$10,811

Kemper

$4,791

$10,811

Nationwide

$4,807

$10,319

Nationwide

$4,807

$10,319

Nationwide

$4,961

$12,455

Nationwide

$4,961

$12,455

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.

Company
Annual Premium
Monthly Premium

State Farm

$357

$30

USAA

$393

$33

USAA

$393

$33

GEICO

$419

$35

GEICO

$424

$35

CSAA

$446

$37

CSAA

$455

$38

State Farm

$471

$39

USAA

$475

$40

CSAA

$487

$41

Mercury

$496

$41

GEICO

$499

$42

Progressive

$505

$42

Mercury

$508

$42

Progressive

$515

$43

Travelers

$535

$45

Travelers

$535

$45

State Farm

$538

$45

Nationwide

$559

$47

Nationwide

$581

$48

State National

$592

$49

National General

$595

$50

Progressive

$603

$50

Travelers

$609

$51

State National

$610

$51

Hartford

$612

$51

National General

$614

$51

Allstate

$621

$52

Mercury

$623

$52

Allstate

$626

$52

Kemper

$668

$56

Allstate

$672

$56

Capital Insurance Group

$681

$57

Farmers

$687

$57

Hartford

$702

$58

Capital Insurance Group

$705

$59

Farmers

$706

$59

State National

$719

$60

Nationwide

$732

$61

National General

$734

$61

Chubb

$762

$63

Kemper

$771

$64

Chubb

$785

$65

Capital Insurance Group

$790

$66

Farmers

$801

$67

State Farm

$848

$71

USAA

$880

$73

USAA

$900

$75

Hartford

$909

$76

Kemper

$1,018

$85

GEICO

$1,028

$86

National General

$1,030

$86

National General

$1,044

$87

GEICO

$1,060

$88

Allstate

$1,067

$89

USAA

$1,078

$90

State Farm

$1,087

$91

Chubb

$1,089

$91

Progressive

$1,105

$92

Progressive

$1,115

$93

Allstate

$1,120

$93

Mercury

$1,136

$95

CSAA

$1,156

$96

Mercury

$1,156

$96

CSAA

$1,157

$96

GEICO

$1,226

$102

Hartford

$1,230

$102

Allstate

$1,238

$103

Nationwide

$1,245

$104

National General

$1,248

$104

State National

$1,262

$105

State Farm

$1,269

$106

CSAA

$1,273

$106

Progressive

$1,335

$111

Nationwide

$1,351

$113

Capital Insurance Group

$1,352

$113

State National

$1,354

$113

Travelers

$1,369

$114

Hartford

$1,415

$118

Travelers

$1,430

$119

Capital Insurance Group

$1,430

$119

Mercury

$1,497

$125

Kemper

$1,566

$130

Farmers

$1,569

$131

Farmers

$1,594

$133

Capital Insurance Group

$1,611

$134

State National

$1,659

$138

Travelers

$1,691

$141

Nationwide

$1,753

$146

Chubb

$1,785

$149

Hartford

$1,834

$153

Chubb

$1,839

$153

Farmers

$1,884

$157

Kemper

$1,904

$159

Kemper

$2,343

$195

Chubb

$2,622

$219

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

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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?

GEICO

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.

Read MoneyGeek's GEICO Auto Insurance Review

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?

Chubb

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?

GEICO

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.

Read MoneyGeek's GEICO Auto Insurance Review

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.