Cheapest Auto Insurance in Elk Grove, California (2026)

The Elk Grove average for full-coverage car insurance is $187 per month, which is lower than the California state average of $190 for full coverage. Elk Grove drivers may enjoy slightly lower car insurance premiums, especially compared to their neighbors in Sacramento, because Elk Grove has fewer residents and a relatively low rate of fatal accidents.^[1]

Here’s what you need to know about comparing quotes and finding affordable car insurance in Elk Grove.

3 of the cheapest car insurance companies in Elk Grove

When choosing a car insurance company in Elk Grove, it’s important to consider your specific needs and circumstances rather than focusing on finding the cheapest policy. Factors such as your driving history, vehicle type, and coverage preferences play a role in determining which insurer offers you the most affordable prices.^[3]

To help you shop for affordable car insurance, Insurify rated and identified the best car insurance companies in Elk Grove.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
Mile Auto	8.8	$108	$63	Pay-per-mile insurance
Clearcover	7.1	$137	$67	Digital experience
Travelers	8.5	$303	$134	Full coverage

Disclaimer: Table data sourced from real-time Elk Grove car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Elk Grove may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for pay-per-mile insurance: Mile Auto

Pay-Per-Mile Insurance

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User Reviews	4.5 65 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.8 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$70/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$119/mo

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Driver Reviews

4.5

Best choice in Elk Grove, CABased on 189 verified driver reviews and ratings

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best in Elk Grove for

Low-mileage drivers

Senior drivers

Cheap full coverage

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best in Elk Grove for

Low-mileage drivers

Senior drivers

Cheap full coverage

Showing recent national reviews - See all 65 Mile Auto reviews

Leroy

Verified Review

Why was I canceled?

Reviewed in Texas on February 9, 2026

1/14/26: Liked what I saw and purchased Auto Insurance. 1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit. 1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled. 2/01/26: Relented. 2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26. 2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.

Ronald

Verified Purchase

Monthly Insurance for the Price of Takeout

Reviewed in Ohio on January 11, 2026

I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.

Hiram

Verified Purchase

Try Them, Then You Will See

Reviewed in Tennessee on December 22, 2025

You won't know until you try them. They are good.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

2.18

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Mile Auto is a standout insurance company, especially for people who don’t drive often. Its pay-per-mile insurance allows low-mileage drivers to enjoy impressive savings of 30% to 40% on their premiums. It doesn’t offer a lot of customizable coverage options. But if you don’t hit the road often, it can still meet your needs, especially if you work from home.

Pros

• Provides cost savings for drivers with low mileage

• Doesn’t require an in-car telematics device

Cons

• Doesn’t offer a mobile app

• No specific discounts

Best insurer for digital experience: Clearcover

digital experience

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User Reviews	3.8 40 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	7.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$141/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$197/mo

Show Details

Driver Reviews

3.8

A solid option in Elk Grove, CABased on 63 verified driver reviews and ratings

How drivers feel about Clearcover

Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.

AI-generated from the text of verified reviews collected by Insurify

Best in Elk Grove for

Robust mobile app

Fast claims process

Competitive pricing

How drivers feel about Clearcover

Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.

AI-generated from the text of verified reviews collected by Insurify

Best in Elk Grove for

Robust mobile app

Fast claims process

Competitive pricing

Showing recent national reviews - See all 40 Clearcover reviews

Christy

Verified Purchase

Great so far

Reviewed in Missouri on January 25, 2026

Great for now, we will see what the price does at renewal time.

Daysy

Verified Purchase

Price is cheap but poor claim experience

Reviewed on November 6, 2025

Worst claim handling, no communication whatsoever.

Jerry

Verified Review

They helped me with some relief in getting reliable car insurance coverage

Reviewed in Missouri on June 12, 2025

Very good at helping get some insurance.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

4.36

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Clearcover goes beyond affordability and focuses on delivering a seamless customer experience. The company advertises quick and customized quotes, allowing policyholders to get the coverage they need without any hassle. Moreover, its claims process is incredibly efficient, with an average filing processing time of only seven minutes.

Pros

• Quick claims process

• Highly rated mobile app

Cons

• Bundling not available

• Fewer discounts than competitors

Best insurer for full coverage: Travelers

full coverage

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User Reviews	4.7 562 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.5 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$133/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$301/mo

Show Details

Driver Reviews

4.7

Best choice in Elk Grove, CABased on 1,258 verified driver reviews and ratings

How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify

Best in Elk Grove for

Numerous discounts

Gap insurance

Rideshare coverage

How drivers feel about Travelers

Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.

AI-generated from the text of verified reviews collected by Insurify

Best in Elk Grove for

Numerous discounts

Gap insurance

Rideshare coverage

Showing 12 California reviews for Elk Grove drivers - See all 562 Travelers reviews

Keith

Verified Review

Very good service, however, they raise your premium substantially in subsequent years.

Reviewed in California on February 2, 2026

By almost all criteria, they do a very good job. However, they just raised my premium by 40%.

Judy

Verified Review

The minute I asked to check rates with other insurers, Travelers placed a ticket on my account hoping

Reviewed in California on January 30, 2026

Recently, I asked them for a discount on my car insurance and they would not give one. So I asked them if I could shop around and they said yes. I had a very small fender bender a few months back and I had 51% responsibility and the other person had 49% responsibility because she parked inside my lane.

Linda

Verified Review

Not good

Reviewed in California on January 14, 2026

My car was in and out of two different shops for two months! I lost my $30/day car rental discount after the first month. I think that discount should be adjusted upwards. There are very few, if any, cars that I could have rented for $30 per day! During the in-and-out of the shop process in the second month, I was finally able to get a car rental for the last repair that was necessary after I expressed my frustration with their policy. The agent I worked with had to request the exemption through her supervisor, who did approve it eventually. My overall experience with this process was frustrating, and I would not recommend these particular agents to others.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

616

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Travelers car insurance provides drivers with plenty of coverage options to customize their auto insurance policies. For instance, its new-car replacement and accident forgiveness options can provide more protection on the road. Plus, it offers a long list of discounts to help drivers save money on car insurance.

Pros

• Offers gap insurance and new-car replacement

• Plenty of discounts available for premium savings

Cons

• Rideshare insurance isn’t available in California

• Higher average premiums than some competitors

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Liability quotes start at $82 per month

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How to get the cheapest car insurance in Elk Grove

When searching for affordable car insurance in Elk Grove, keep these tips in mind:

• Practice safe driving. Maintaining a clean driving record by obeying traffic laws and avoiding accidents and violations can help you get lower rates.

• Raise your deductible. Choosing higher collision and comprehensive deductibles typically results in lower premiums. Just ensure that you have enough savings to cover the deductible if you need to file a claim.

• Compare free quotes. Remember, the goal is to find not just cheap car insurance in Elk Grove but the right policy at the best price. Since different insurance companies offer varying rates, it’s important to compare quotes from different companies to find the best deal.

• Explore available discounts. One of the many important questions to ask car insurance agents about is potential discounts. Plenty of insurance companies offer discounts for factors like good grades, low mileage, or having certain safety features in your car.

• Bundle policies. You may be able to bundle your auto coverage with a home insurance, business insurance, or life insurance policy to help you save on your coverage. If you have multiple people in your family who drive, you may also be able to save with a multi-car discount.

Cheapest liability-only car insurance in Elk Grove: USAA

If you’re looking for affordable car insurance in Elk Grove, at the very least, you’ll need liability coverage. This type of insurance meets state regulations and protects you financially if you’re responsible for an accident that causes damage or injury to others. But it doesn’t cover your medical expenses or car repairs.

Liability-only policies in Elk Grove cost $97 per month, on average.

Here are some of the most affordable liability-only car insurance companies in Elk Grove.

The below rates in Elk Grove, CA, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
USAA	$82
National General	$87
Sun Coast	$90
Dairyland	$93
Mercury	$98
GEICO	$101
Root	$105
Allstate	$114
Direct Auto	$117
Farmers	$117
Anchor	$119
Bristol West	$120
State Farm	$127
Travelers	$133
21st Century	$145
Nationwide	$179

Disclaimer: Table data sourced from real-time Elk Grove car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Elk Grove may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Elk Grove: Root

While liability insurance covers damages you cause to others, full-coverage car insurance extends to pay for damages to your vehicle. It typically includes liability, comprehensive, and collision insurance coverages, but it can also include medical payments (MedPay).

Drivers in Elk Grove pay an average of $187 per month for full coverage.

The table below shows the cheapest Elk Grove car insurance companies for full-coverage insurance.

The below rates in Elk Grove, CA, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
Root	$183
USAA	$187
Mercury	$190
GEICO	$200
Anchor	$203
Sun Coast	$225
Dairyland	$232
National General	$256
Allstate	$257
Farmers	$264
Bristol West	$279
State Farm	$286
Travelers	$301
Direct Auto	$309
21st Century	$328
Nationwide	$403

Disclaimer: Table data sourced from real-time Elk Grove car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Elk Grove may vary based on the policy buyer's unique driver profile.

Car insurance requirements in California

In California, drivers must have car insurance coverage that meets the state’s minimum requirement, known as 30/60/15. State lawmakers approved an increase in coverage limits, which will take effect Jan. 1, 2025.

The table below reflects this change and the types and amount of coverage all drivers need to carry:^[4]

Coverage	2024 Coverage Limits	2025 Coverage Limits
Bodily injury liability	$15,000 per person / $30,000 per accident	$30,000 per person / $60,000 per accident
Property damage liability	$5,000 per accident	$15,000 per accident

While you can drive legally with liability-only insurance, it may not be enough financial protection for every driver. Consider adding the following coverage options to your auto insurance policy in Elk Grove for more protection:

• 

  Comprehensive coverage

  Comprehensive insurance covers vehicle damages from non-collision events, including fire, vandalism, theft, falling objects, and natural disasters.

• 

  Collision coverage

  Collision insurance pays for vehicle damages from collisions with other vehicles or stationary objects, such as a tree or light pole, regardless of fault. It also covers rollover accidents and pothole damage.

• 

  Medical payments coverage

  MedPay covers your and your passengers’ medical expenses after an accident, even if you’re at fault.

• 

  Glass coverage

  This provides protection for windshield and glass damages, and some policies offer zero-deductible coverage for side windows, rear windows, and glass sunroofs.

• 

  Gap coverage

  Especially beneficial for people who financed or leased their vehicles, gap insurance covers the difference between your auto loan balance and the insurance settlement in the event of a total loss.

California’s low-cost auto insurance program

The state established California’s Low Cost Automobile insurance program (CLCA) in 1999 to make it easier for drivers to afford car insurance coverage, despite rising car insurance rates. The program offers car insurance at a below-market annual cost from $232 to $932, depending on your county.

To be eligible for the program, you must:

• Hold a valid California driver’s license

• Meet income eligibility requirements

• Own a vehicle valued at $25,000 or less

• Be at least 16 years old

• Have a clean driving record or be a new driver

The program’s auto insurance meets the state’s minimum liability requirements. However, drivers can add medical payments and uninsured/underinsured motorist coverage at an additional cost of $37 to $107 per year. California drivers can apply for the program online at MyLowCostAuto.com.

Cheapest car insurance for drivers with an incident

Finding affordable car insurance is important for drivers who have a record of incidents such as speeding tickets, driving under the influence (DUI), at-fault accidents, or other moving violations. These incidents usually lead to higher insurance premiums for three to five years due to the increased likelihood of future claims.^[5]

If you need affordable car insurance, check out the data below for the cheapest companies in Elk Grove for drivers with incidents on their records.

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Cheapest car insurance for drivers with a speeding ticket: USAA

Driving faster than the legal speed limit poses significant risks, endangering both you and others on the road. As a consequence, having a speeding ticket on your driving record is likely to lead to higher auto insurance premiums for several years.

The average cost of car insurance for drivers with a speeding ticket in Elk Grove is $236 per month for full coverage and $122 for liability only.

To help you find the most favorable rates, here’s an overview of average monthly quotes for drivers with a speeding ticket on their record in Elk Grove.

The below rates in Elk Grove, CA, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Speeding Ticket
USAA	$82	$106
National General	$87	$109
Sun Coast	$90	$113
Dairyland	$93	$116
Mercury	$98	$137
GEICO	$101	$132
Root	$105	$140
Allstate	$114	$149
Direct Auto	$117	$147
Farmers	$117	$150
Anchor	$119	$148
Bristol West	$120	$151
State Farm	$127	$162
Travelers	$133	$173
21st Century	$145	$191
Nationwide	$179	$233

Disclaimer: Table data sourced from real-time Elk Grove car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Elk Grove may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: USAA

In 2021, Elk Grove reported 609 injuries and fatalities from car crashes. When an at-fault accident appears on your driving record, it’s typical for your auto insurance premiums to increase. Insurance companies raise rates for several years to offset your higher risk of filing another claim.

Elk Grove drivers with an accident pay an average of $232 per month for full-coverage insurance.

Here are the cheapest monthly car insurance quotes for drivers with an at-fault accident on their record in Elk Grove.

The below rates in Elk Grove, CA, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Accident
USAA	$82	$107
National General	$87	$112
Sun Coast	$90	$112
Dairyland	$93	$119
Mercury	$98	$144
GEICO	$101	$127
Root	$105	$136
Allstate	$114	$148
Direct Auto	$117	$155
Farmers	$117	$151
Anchor	$119	$151
Bristol West	$120	$153
State Farm	$127	$163
Travelers	$133	$174
21st Century	$145	$191
Nationwide	$179	$233

Disclaimer: Table data sourced from real-time Elk Grove car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Elk Grove may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: USAA

Driving under the influence is a grave offense that undoubtedly leads to significantly higher car insurance premiums. In 2021, 53 crashes in Elk Grove involved alcohol. Additionally, a DUI conviction may result in an SR-22 insurance requirement with the state. Insurance companies perceive a DUI history as a substantial financial risk, often resulting in increased premiums.

Drivers with a DUI in Elk Grove pay $126 per month for liability-only coverage, on average.

If you have a DUI on your record, here are the cheapest insurance companies in Elk Grove.

The below rates in Elk Grove, CA, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With DUI
USAA	$82	$113
National General	$87	$120
Sun Coast	$90	$117
Dairyland	$93	$129
Mercury	$98	$142
GEICO	$101	$139
Root	$105	$147
Allstate	$114	$158
Direct Auto	$117	$162
Farmers	$117	$162
Anchor	$119	$165
Bristol West	$120	$166
State Farm	$127	$176
Travelers	$133	$184
21st Century	$145	$189
Nationwide	$179	$247

Disclaimer: Table data sourced from real-time Elk Grove car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Elk Grove may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: USAA

Your age significantly affects car insurance rates, with prices typically decreasing as drivers gain driving experience and enter their mid-20s. But once drivers reach around 70 years old, drivers may experience a slight uptick in rates due to factors such as potential health conditions and heightened accident risks.^[6]

Here are the cheapest Elk Grove car insurance companies for senior drivers, based on Insurify data.

The below rates in Elk Grove, CA, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Full Coverage	Liability Only
Mercury	$155	$80
USAA	$155	$68
Root	$156	$90
GEICO	$162	$82
Anchor	$168	$99
Dairyland	$201	$80
Sun Coast	$201	$80
National General	$205	$70
Allstate	$213	$94
Farmers	$213	$95
State Farm	$229	$102
Bristol West	$236	$102
Travelers	$245	$108
Direct Auto	$254	$96
21st Century	$263	$116
Nationwide	$315	$140

Disclaimer: Table data sourced from real-time Elk Grove car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Elk Grove may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: USAA

Teenagers and young adults often face significantly higher car insurance costs than older drivers, primarily due to their limited experience and heightened risk factors. The number of teens and young adults from 15 to 20 years old killed in car crashes in California increased by almost 15% from 2020 to 2021.^[7] It’s important for parents and guardians to teach their young drivers safe driving habits, not only to prevent car crashes but also to keep car insurance premiums as low as possible.

Teens can also save money by staying on their parents' policies for as long as possible. Drivers younger than 18 can’t legally buy their own policy without the written consent of a parent or guardian.

A full-coverage policy in Elk Grove costs teen drivers an average of $346, while a liability-only policy costs $180. Here are the cheapest car insurance companies in Elk Grove for teens and young drivers.

The below rates in Elk Grove, CA, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Full Coverage	Liability Only
Root	$320	$183
USAA	$350	$153
Mercury	$355	$183
Anchor	$360	$211
GEICO	$362	$183
Dairyland	$398	$159
Sun Coast	$417	$167
Bristol West	$503	$216
Allstate	$514	$228
National General	$523	$178
Farmers	$530	$235
State Farm	$560	$249
21st Century	$598	$264
Direct Auto	$601	$228
Travelers	$631	$279
Nationwide	$796	$353

Disclaimer: Table data sourced from real-time Elk Grove car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Elk Grove may vary based on the policy buyer's unique driver profile.

Shop for Cheap Auto Insurance in Elk Grove

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Is car insurance more expensive in Elk Grove?

The average cost of full-coverage car insurance in the U.S. is $136 per month, and in California, it’s $141 per month. Elk Grove’s overall average car insurance rate of $142 per month is a bit lower than the state average and higher than the national average.

It’s important to note that insurance rates can vary significantly based on factors like weather, crime, and traffic. For example, Elk Grove has fewer residents and reported fewer car crash injuries and fatalities than neighboring Sacramento, and it has lower average car insurance rates.

More cities in California

While car insurance rates in Elk Grove generally are less than those in many other California cities, there are exceptions to this trend. For instance, cities such as Sacramento, which had a significantly higher number of traffic injuries and fatalities in 2021 than Elk Grove, typically experience higher average car insurance costs.

Here’s a comparison of Elk Grove’s average full-coverage and liability-only quotes with other major California cities.

City	Full Coverage	Liability Only
Bakersfield	$181	$83
Fresno	$177	$84
Long Beach	$231	$114
Los Angeles	$297	$154
Modesto	$193	$94
Oakland	$232	$101
Sacramento	$208	$103
San Diego	$173	$84
San Francisco	$248	$104
San Jose	$189	$88

Disclaimer: Table data is based on real-time Elk Grove quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Elk Grove car insurance FAQs