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Licensed auto and home insurance agent
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NPN: 20564519
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On average, car insurance in Citrus Heights costs $182 per month for full coverage and $98 for liability-only coverage. These premiums are in line with the average cost of car insurance in California.
Citrus Heights shares many demographic characteristics with California as a whole, including nearly identical average commute times. This may be why its insurance premiums are similar to the state average.
Nearby Sacramento has a larger population and a higher vehicle theft rate than Citrus Heights, so the city’s average full-coverage car insurance rates are higher.
Folsom, located about 6 miles southeast of Citrus Heights, has lower insurance rates. While Citrus Heights and Folsom have similar-sized populations, Folsom’s population density is much lower.
Liability policies average $98/mo.
Minimum coverage requirements in California include $30,000 per person and $60,000 per accident for bodily injury liability, and $15,000 for property damage liability.[1] The area has a history of flooding, particularly where Cripple Creek meets Arcade Creek.[2]
A full-coverage policy, which includes comprehensive coverage, typically covers flood damage.
The table below shows companies with the cheapest quotes for liability-only and full-coverage car insurance in California.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $66 |
| Aspire General | $70 |
| GEICO | $70 |
| Sun Coast | $71 |
| Mercury | $73 |
| National General | $73 |
| Dairyland | $81 |
| Direct Auto | $86 |
| Root | $88 |
| Farmers | $93 |
| Anchor | $95 |
| State Farm | $101 |
| Bristol West | $102 |
| Kemper Special | $103 |
| Travelers | $106 |
| 21st Century | $115 |
| Kemper Rsvp | $115 |
| First Acceptance | $154 |
| Chubb | $180 |
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Aspire General | $122 |
| Root | $134 |
| GEICO | $140 |
| Mercury | $141 |
| USAA | $146 |
| Kemper Special | $159 |
| Kemper Rsvp | $163 |
| Sun Coast | $168 |
| Anchor | $177 |
| Dairyland | $196 |
| National General | $196 |
| Farmers | $207 |
| Direct Auto | $209 |
| Bristol West | $215 |
| State Farm | $224 |
| Travelers | $235 |
| 21st Century | $256 |
| First Acceptance | $340 |
| Chubb | $399 |
Beverly Hills has the most expensive car insurance rates in the Golden State. This is likely due to the abundance of luxury cars and the city’s high wildfire risk.[3]
Redding and Chico have some of the state’s cheapest liability-only rates.
While premiums in Citrus Heights are somewhere in between, they are close to the statewide average. The city’s vehicle theft rates have declined by 50% since 2023, which may help explain why full-coverage rates are below the state average.[4]
Below, you can see the average monthly cost of car insurance in California by city.
City | Average Monthly Quote |
|---|---|
| San Luis Obispo | $103 |
| Lompoc | $105 |
| Chico | $107 |
| Hanford | $107 |
| Ridgecrest | $107 |
| Santa Cruz | $108 |
| Redding | $110 |
| Santa Maria | $111 |
| Woodland | $111 |
| Tulare | $115 |
| Visalia | $115 |
| Campbell | $116 |
| Poway | $116 |
| Palm Desert | $117 |
| Santee | $117 |
| Santa Barbara | $118 |
| La Mesa | $121 |
| La Quinta | $121 |
| Pacifica | $121 |
| Napa | $122 |
| Hollister | $123 |
| Cathedral City | $124 |
| Petaluma | $124 |
| Chula Vista | $125 |
| Santa Rosa | $125 |
| Brentwood | $126 |
| Dublin | $126 |
| San Marcos | $126 |
| Vista | $126 |
| Saratoga | $127 |
| Yuba City | $127 |
| Bakersfield | $128 |
| Fresno | $128 |
| Novato | $128 |
| San Diego | $128 |
| Temecula | $128 |
| Beaumont | $129 |
| San Clemente | $129 |
| Milpitas | $130 |
| Oceanside | $130 |
| Palm Springs | $130 |
| Lodi | $131 |
| Folsom | $132 |
| Hemet | $132 |
| Concord | $133 |
| Fremont | $133 |
| San Jose | $133 |
| San Ramon | $133 |
| Escondido | $134 |
| Lake Forest | $134 |
| Oxnard | $134 |
| Ceres | $135 |
| Palo Alto | $135 |
| West Sacramento | $135 |
| Camarillo | $136 |
| Fairfield | $136 |
| Redlands | $136 |
| Roseville | $136 |
| Aliso Viejo | $137 |
| Cupertino | $137 |
| National City | $137 |
| Menifee | $138 |
| Watsonville | $138 |
| El Cerrito | $139 |
| Elk Grove | $139 |
| Modesto | $139 |
| Santa Clara | $139 |
| Tracy | $139 |
| Citrus Heights | $140 |
| El Cajon | $140 |
| Laguna Niguel | $140 |
| Murrieta | $140 |
| Norco | $140 |
| Colton | $142 |
| Stockton | $142 |
| Wildomar | $143 |
| Placentia | $144 |
| San Mateo | $144 |
| Brea | $145 |
| Huntington Beach | $145 |
| Lathrop | $145 |
| Pittsburg | $145 |
| South San Francisco | $145 |
| Moreno Valley | $146 |
| Riverside | $146 |
| Thousand Oaks | $146 |
| Vallejo | $147 |
| Antioch | $148 |
| Chino | $148 |
| Hayward | $148 |
| Orange | $148 |
| Perris | $148 |
| Chino Hills | $149 |
| Corona | $149 |
| Cypress | $150 |
| Berkeley | $151 |
| San Leandro | $151 |
| Santa Ana | $151 |
| Newport Beach | $152 |
| Ontario | $152 |
| Irvine | $153 |
| Fountain Valley | $154 |
| Rialto | $154 |
| Sacramento | $154 |
| Hesperia | $155 |
| San Bernardino | $155 |
| Fontana | $157 |
| Garden Grove | $157 |
| Rancho Cucamonga | $157 |
| Victorville | $157 |
| La Mirada | $158 |
| Anaheim | $159 |
| San Pedro | $160 |
| Adelanto | $161 |
| Buena Park | $161 |
| Whittier | $162 |
| Azusa | $163 |
| Covina | $163 |
| La Puente | $163 |
| Simi Valley | $163 |
| Norwalk | $164 |
| Pomona | $165 |
| Torrance | $165 |
| Paramount | $166 |
| San Francisco | $166 |
| Diamond Bar | $167 |
| Long Beach | $168 |
| Oakland | $168 |
| Carson | $170 |
| Walnut | $172 |
| Cerritos | $174 |
| Lancaster | $174 |
| Richmond | $174 |
| Bell Gardens | $178 |
| Culver City | $179 |
| El Monte | $179 |
| Palmdale | $179 |
| Santa Clarita | $181 |
| Pasadena | $182 |
| Temple City | $184 |
| San Gabriel | $186 |
| Lynwood | $194 |
| Compton | $195 |
| Santa Monica | $197 |
| Inglewood | $200 |
| Burbank | $212 |
| Studio City | $217 |
| Los Angeles | $220 |
| Winnetka | $231 |
| Northridge | $240 |
| Reseda | $241 |
| West Hollywood | $246 |
| Glendale | $263 |
| Beverly Hills | $268 |
The Sacramento region, which includes Citrus Heights, is among the country’s top 20 most dangerous metro areas for pedestrians.[5] For this reason, it’s important to pay attention when you’re headed through commercial areas with heavy foot traffic, like Sunrise Mall.
Commute times in Citrus Heights are on par with the state average, at about 28 minutes. Several corridors in the city have significant traffic volume, with more than 50,000 vehicles passing through each day, according to the Citrus Heights Sentinel.
Auburn Boulevard and Sunrise Boulevard are designated local truck routes, so be especially vigilant when driving in those areas.
Roadwork is ongoing in Citrus Heights. The city resurfaced about 1 million square feet of roads in the first three quarters of 2025 and has allocated $4 million for future street improvements.
Thefts and burglaries have decreased in Citrus Heights in the last few years, notably car thefts. Even so, it’s critical to lock your car and avoid leaving it unattended while it’s running.
Check quotes from 120+ top insurance companies
Your driving record is one of the major factors insurers use to determine your car insurance rates. As a result, getting pulled over for speeding, driving under the influence (DUI), or causing an accident will cost you more than just the fine.
Between 2024 and 2025, Citrus Heights police made more traffic stops than in previous years but issued fewer citations, according to the Citrus Heights Police Department. DUI arrests also declined during this time.
Beware of photo enforcement speed cameras in Citrus Heights. Even if someone else is driving your car when it’s photographed, you may face penalties, such as higher insurance rates, if you ignore the ticket.
This table shows the average monthly cost of car insurance in Citrus Heights by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $140 |
| Speeding ticket | $178 |
| At-fault accident | $179 |
| DUI | $191 |
California teenagers between the ages of 15 and a half and 18 can test for a learner’s permit once they complete driver’s education. Before they can test for a license, they need to hold their permit for at least six months and drive 50 hours with a licensed adult.
Citrus Heights has a slightly higher proportion of residents age 65 and older than the state average. In general, seniors pay the lowest average rates.
The following table shows the average monthly cost of car insurance in Citrus Heights by age.
Age | Average Monthly Quote |
|---|---|
| Teens | $250 |
| 20s | $187 |
| 30s | $142 |
| 40s | $134 |
| 50s | $132 |
| 60s | $127 |
| 70+ | $133 |
*Quotes generated for Insurify users in and around Citrus Heights, California within the last 10 days. Last updated on August 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Citrus Heights, California within the last 10 days. Last updated on August 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
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Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
){kind=small}
Licensed property and casualty insurance agent
25+ years of insurance experience
Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
See below for more information about finding the best car insurance in Citrus Heights.
Car insurance in Citrus Heights averages $98 per month for liability coverage and $182 for full coverage. To find the cheapest car insurance rates for you, get quotes from several insurers, as prices for the same coverage can vary widely between companies.
USAA and Aspire General offer the cheapest liability insurance rates in Citrus Heights, with monthly averages of $61 and $65. Compare auto insurance quotes from multiple companies to find the cheapest rates.
You can typically find a variety of car insurance discounts in Citrus Heights, whether for good students, safety features on your car, or enrolling in a telematics program. Homeowners can usually save money by bundling car insurance and home insurance.
Along with the make and model of your car, your driving history, age, annual mileage, and coverage choices all affect your car insurance rates.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years in personal finance writing
Small business blogger
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
