Cheapest Auto Insurance in Elk Grove, California (2025)
Root is the cheapest car insurance company in Elk Grove, with monthly liability rates as low as $100.
Secure. Free. Easy-to-use.
Excellent
)
Written byJacqueline DeMarco
)
13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Featured in
){kind=small}
){kind=small}
)
Edited byCourtney Mikulski
)
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
){kind=small}
){kind=small}
)
Reviewed byMark Friedlander
)
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
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.
Table of contents
The Elk Grove average for full-coverage car insurance is $248 per month, which is lower than the California state average of $238 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.
Quick Facts
Liability-only car insurance in Elk Grove costs an average of $111 per month.
Root, USAA, and Sun Coast offer the cheapest car insurance in Elk Grove.
California law prohibits car insurance companies from using your credit history, gender, and ZIP code as rating factors to determine premiums.[2]
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 | 7.5 | $108 | $61 | Pay-per-mile insurance |
| Clearcover | 6.8 | $137 | $67 | Digital experience |
| Travelers | 9.0 | $351 | $146 | Full coverage |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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
| User Reviews | 4.2 |
|---|---|
| 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. | 7.5 /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. | $61/mo |
4.2
Best choiceBased on 71 verified guest 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 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 For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (39)
Janet
April 8, 2025
Verified Review
Mile Auto Insurance is Great
They are the most reasonable carrier. I've checked 15.
Irma
March 21, 2025
Verified Purchase
Mike Auto is for Real
I have nothing but good things to say. It has saved me a lot of money, which means everything to me. I think about all the money I have paid for insurance, and finally, this insurance, Mike Auto, has come up with a way to reduce the cost.
Irma
March 19, 2025
Verified Purchase
Response Time
I would prefer to have my problems solved before the three days they state as their response time.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy 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
| User Reviews | 3.4 |
|---|---|
| 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. | 6.8 /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. | $117/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. | $186/mo |
3.4
A solid optionBased on 52 verified guest 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 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 For
Robust mobile app
Fast claims process
Competitive pricing
Reviews (36)
Ray
December 4, 2024
Verified Review
All Good
Everything is good, no problems.
Catherine
October 22, 2024
Verified Review
Great Customer Service
My premium increased by $70 due to an auto accident.
Brett
October 12, 2024
Verified Review
Unexpected Rate Increases
Everything was fine until they started to increase my rates, despite having no claims, DUIs, or moving violations. My driving record is clean, I'm almost 63 years old, and yet my rate keeps going up. It seems like there might be some price gouging in the insurance industry. The reason I decided to switch to Clearcover was because they offered me the best rate at that time. However, since then, my rate has only increased. It should be dropping, not going up.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.14A.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).
NRWhy 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
| User Reviews | 4.7 |
|---|---|
| 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. | 9 /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. | $163/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. | $371/mo |
4.7
Best choiceBased on 860 verified guest 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 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 For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (451)
Kristi
April 16, 2025
Verified Review
Good, but not great
Travelers is good, but dealing with the agency is not easy.
Irwin
April 14, 2025
Verified Review
Need Assistance with Accessing Declaration Page
I am 81 years old with limited technical training. I requested a copy of my policy declaration page and received a reply dated 4/4/2025, advising me to go to 'My Travellers Account', under the policy tab via policy documents. However, when I tried, I was unable to find anything about policy documents to check. Since I am technically challenged, I find it to be like 'jumping through hoops'.
Jacqueline
April 13, 2025
Verified Review
Frustrated Policyholder in FL
They are okay. I don't feel that loyalty matters. The rates are high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.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
Shop for Car Insurance in Elk Grove, CA
Liability quotes start at $100 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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: Root
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 $111 per month, on average.
Here are some of the most affordable liability-only car insurance companies in Elk Grove.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Root | $100 |
| USAA | $101 |
| Sun Coast | $105 |
| Anchor | $108 |
| Mercury | $110 |
| Dairyland | $112 |
| Direct Auto | $112 |
| National General | $119 |
| GEICO | $134 |
| Allstate | $139 |
| Farmers | $143 |
| State Farm | $155 |
| Travelers | $163 |
| Bristol West | $165 |
| 21st Century | $177 |
| Nationwide | $218 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Elk Grove: Mercury
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 $248 per month for full coverage.
The table below shows the cheapest Elk Grove car insurance companies for full-coverage insurance.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Mercury | $194 |
| Root | $195 |
| USAA | $230 |
| Anchor | $234 |
| Sun Coast | $256 |
| GEICO | $306 |
| Direct Auto | $310 |
| Allstate | $317 |
| National General | $321 |
| Farmers | $326 |
| State Farm | $353 |
| Bristol West | $363 |
| Travelers | $371 |
| 21st Century | $404 |
| Dairyland | $408 |
| Nationwide | $498 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Elk Grove, California
Recent Elk Grove, California car insurance prices for Hyundai, GMC, Honda , and more.
*Quotes generated for Insurify users in and around Elk Grove, California within the last 10 days. Last updated on April 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Elk Grove, California within the last 10 days. Last updated on April 15, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 15, 2025. Actual quotes 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.
Shop for Car Insurance in Elk Grove, CA
Compare quotes from Insurify’s top car insurance partners
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $318 per month for full coverage and $143 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 are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Root | $100 | $137 |
| USAA | $101 | $126 |
| Sun Coast | $105 | $135 |
| Anchor | $108 | $133 |
| Mercury | $110 | $148 |
| Dairyland | $112 | $139 |
| Direct Auto | $112 | $141 |
| National General | $119 | $148 |
| GEICO | $134 | $167 |
| Allstate | $139 | $173 |
| Farmers | $143 | $179 |
| State Farm | $155 | $191 |
| Travelers | $163 | $205 |
| Bristol West | $165 | $208 |
| 21st Century | $177 | $227 |
| Nationwide | $218 | $274 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $316 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 are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Root | $100 | $139 |
| USAA | $101 | $128 |
| Sun Coast | $105 | $134 |
| Anchor | $108 | $134 |
| Mercury | $110 | $153 |
| Dairyland | $112 | $142 |
| Direct Auto | $112 | $146 |
| National General | $119 | $149 |
| GEICO | $134 | $171 |
| Allstate | $139 | $177 |
| Farmers | $143 | $182 |
| State Farm | $155 | $195 |
| Travelers | $163 | $209 |
| Bristol West | $165 | $210 |
| 21st Century | $177 | $230 |
| Nationwide | $218 | $279 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Root
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 $164 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 are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Root | $100 | $141 |
| USAA | $101 | $156 |
| Sun Coast | $105 | $155 |
| Anchor | $108 | $161 |
| Mercury | $110 | $163 |
| Dairyland | $112 | $173 |
| Direct Auto | $112 | $173 |
| National General | $119 | $184 |
| GEICO | $134 | $207 |
| Allstate | $139 | $215 |
| Farmers | $143 | $221 |
| State Farm | $155 | $240 |
| Travelers | $163 | $252 |
| Bristol West | $165 | $255 |
| 21st Century | $177 | $274 |
| Nationwide | $218 | $337 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Mercury | $152 | $86 |
| Root | $163 | $83 |
| USAA | $178 | $78 |
| Anchor | $183 | $84 |
| Sun Coast | $201 | $82 |
| Direct Auto | $233 | $84 |
| GEICO | $236 | $103 |
| National General | $236 | $88 |
| Allstate | $246 | $108 |
| Farmers | $246 | $108 |
| State Farm | $265 | $116 |
| Travelers | $280 | $123 |
| Bristol West | $283 | $129 |
| 21st Century | $294 | $129 |
| Dairyland | $318 | $87 |
| Nationwide | $360 | $157 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Root
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 $476, while a liability-only policy costs $213. Here are the cheapest car insurance companies in Elk Grove for teens and young drivers.
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Root | $318 | $163 |
| Mercury | $367 | $208 |
| Anchor | $418 | $193 |
| USAA | $421 | $185 |
| Sun Coast | $491 | $202 |
| GEICO | $539 | $236 |
| Direct Auto | $614 | $222 |
| Farmers | $617 | $271 |
| Allstate | $620 | $272 |
| Bristol West | $659 | $300 |
| State Farm | $664 | $292 |
| National General | $665 | $246 |
| Dairyland | $694 | $190 |
| Travelers | $727 | $319 |
| 21st Century | $749 | $328 |
| Nationwide | $956 | $419 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Cheap Auto Insurance in Elk Grove
Compare quotes from Insurify’s top car insurance partners
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Is car insurance more expensive in Elk Grove?
The average cost of full-coverage car insurance in the U.S. is $150 per month, and in California, it’s $171 per month. Elk Grove’s overall average car insurance rate of $179 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 | $229 | $93 |
| Fresno | $209 | $95 |
| Long Beach | $277 | $129 |
| Los Angeles | $366 | $179 |
| Modesto | $235 | $104 |
| Oakland | $309 | $120 |
| Sacramento | $263 | $118 |
| San Diego | $217 | $96 |
| San Francisco | $310 | $128 |
| San Jose | $239 | $103 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Elk Grove car insurance FAQs
Learn why car insurance rates are increasing across the country, and check out Insurify’s answers to common questions about car insurance in Elk Grove.
How much is car insurance in Elk Grove?
The average cost of car insurance in Elk Grove is $111 per month for liability-only insurance and $248 per month for full coverage.
Which company has the cheapest car insurance in Elk Grove?
Root has the cheapest car insurance in Elk Grove, with monthly liability rates as low as $100. USAA and Sun Coast also offer affordable coverage, with respective monthly liability rates of $101 and $105.
But the cheapest insurer for you will depend on many factors, such as your age, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Elk Grove?
Among the best car insurance companies in Elk Grove are Clearcover, Mile Auto, and Travelers. These insurers offer auto insurance policies that can cater to different drivers. For example, Travelers has plenty of additional coverage options that drivers can purchase for more protection, and Mile Auto offers pay-per-mile insurance, which is beneficial for low-mileage drivers.
What types of car insurance coverage are available in Elk Grove?
Elk Grove drivers can find multiple insurance coverage options available from insurers in their city. Coverages like liability, collision, comprehensive, medical payments, and uninsured/underinsured insurance are commonplace. But some insurers also offer special coverages, like new-car replacement, glass coverage, rideshare insurance, and gap coverage.
Can auto insurers use your credit score to set rates in California?
No. California prohibits car insurance companies from using your credit history to determine your premiums. This means that you won’t pay more for car insurance if you have bad credit rather than good credit.[2]
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
)
Cheap Car Insurance Quotes in California Starting at $61
April 16, 2025
)
Why Is Car Insurance So Expensive in California?
April 15, 2025
)
Uninsured Motorist Coverage in California
January 28, 2025
)
Non-Owner Car Insurance in California
April 16, 2025
)
Best Car Insurance for New Drivers in California
April 16, 2025
)
Cheapest Liability Car Insurance in California
April 1, 2025
)
Cheapest Full-Coverage Car Insurance in California
April 1, 2025
)
How Much Is Car Insurance for a 17-Year-Old in California?
April 1, 2025
)
How Much Is Car Insurance for a 16-Year-Old in California?
April 1, 2025
)
Best Car Insurance in California
April 16, 2025
)
Car Insurance Discounts for California Drivers
April 1, 2025
Temporary Car Insurance in California
April 16, 2025
)
Cheap SR-22 Insurance in California
April 15, 2025
)
Rideshare Insurance in California
April 15, 2025
)
Car Insurance Requirements in California
April 15, 2025
)
Car Insurance for High-Risk Drivers in California
April 16, 2025
)
)
)
)
)
Cheap Car Insurance in Anaheim, CA, Starting at $104
April 16, 2025
)
Best Cheap Car Insurance in Victorville, CA, From $97
April 16, 2025
)
Cheap Car Insurance in Temecula, CA, Starting at $93
April 16, 2025
)
Best Cheap Car Insurance in Stockton, CA, From $99
April 16, 2025
)
Cheapest Car Insurance Quotes in Santa Maria, CA
April 16, 2025
)
Best Cheap Car Insurance in Santa Ana, CA, From $97
April 16, 2025
)
Cheap Car Insurance in Santa Barbara, CA, Starting at $77
April 16, 2025
)
Best Cheap Car Insurance in San Jose, CA, From $96
April 16, 2025
Cheap Car Insurance in San Francisco, CA, From $122
April 16, 2025
)
Cheap Car Insurance in San Diego, CA, Starting at $87
April 16, 2025
Best Cheap Car Insurance in San Bernardino, CA, From $102
April 16, 2025
)
Cheap Car Insurance in Sacramento, CA, Starting at $106
April 16, 2025
)
Best Cheap Car Insurance in Riverside, CA, From $96
April 16, 2025
)
Best Cheap Car Insurance in Oxnard, CA, From $85
April 16, 2025
)
Best Cheap Car Insurance in Oakland, CA, From $120
April 16, 2025
)
Cheap Car Insurance in Moreno Valley, CA, Starting at $101
April 16, 2025
)
Cheap Car Insurance in Modesto, CA, Starting at $94
April 16, 2025
)
Cheap Car Insurance in Los Angeles, CA, Starting at $153
April 16, 2025
)
Best Cheap Car Insurance in Long Beach, CA, From $113
April 16, 2025
)
Best Cheap Car Insurance in Glendale, CA, From $182
April 16, 2025
)
Best Cheap Car Insurance in Fremont, CA, From $102
April 16, 2025
)
Best Cheap Car Insurance in Fresno, CA, From $85
April 16, 2025
)
Cheap Car Insurance in Chula Vista, CA, Starting at $83
April 16, 2025
)
Cheap Car Insurance in Berkeley, CA, Starting at $116
April 16, 2025
)
Sources
- California Office of Traffic Safety. "OTS Crash Ranking Results."
- Federal Trade Commission. "Credit-Based Insurance Scores."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- California Department of Motor Vehicles. "Insurance Requirements."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- California Office of Traffic Safety. "California Traffic Safety Quick Stats."
)
Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Jacqueline has been a contributor at Insurify since October 2022.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.