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Cheap Auto Insurance Quotes in Elk Grove, CA (May 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Quick Facts
- The average cost of car insurance in Elk Grove is $216 per month, or $2592 annually.
- Car insurance in Elk Grove is $39 more than the average cost of car insurance in California.
- The cheapest car insurance provider in Elk Grove on average is Bluefire, but you should always compare quotes to find your best personal rate.
Car Insurance in Elk Grove, CA
The average cost of California car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Elk Grove, CA to find you the cheapest quotes in the area.
Quotes by Top Companies
Progressive$136
Anchor$140
Travelers$146
Clearcover$151
Freedom National$161
Cheapest Car Insurance in Elk Grove, CA
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Elk Grove | Quotes |
|---|---|
| Progressive | $136 /mo |
| Anchor | $140 /mo |
| Travelers | $146 /mo |
| Clearcover | $151 /mo |
| Freedom National | $161 /mo |
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Average Car Insurance Cost
| California Cities | |
|---|---|
| Los Angeles | $195/mo |
| San Diego | $172/mo |
| San Jose | $210/mo |
| San Francisco | $132/mo |
| Elk Grove | $234/mo |
| California | $189/mo |
San Francisco$132
San Diego$172
Average for CA$189
Los Angeles$195
San Jose$210
Elk Grove$234
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in CA
California effected a number of new traffic laws for 2018, including legislation on DUI policies for rideshare service drivers, seat belts on public transport, and smoking or ingesting cannabis in moving vehicles. Most significantly, a change in the California Department of Motor Vehicle's road rehabilitation and maintenance program signals that registration or renewed registration of a motor vehicle will now come with a fee of $25 to $175.
California's minimum liability car insurance limits are as follows:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
Find local Elk Grove agents
FAQs - Elk Grove, CA Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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- Personalized quotes in 5 minutes or less
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Elk Grove Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Elk Grove, California below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Elk Grove drivers measure up to their fellow motorists across California in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Accord
Most Popular Car in Elk Grove
#92
City with the Most Speeding Tickets Rank in California
#60
City with the Most Moving Violations Rank in California
#118
City with the Most DUIs Rank in California
#248
City with the Most Suspended Licenses in California
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Elk Grove drivers rank 47 in the number of car accidents per driver across all cities in California.
- Rank within state: #47
- Percent of drivers in Elk Grove with an accident: 12.8%
- Drivers in Elk Grove, CA with an accident in their driving history pay on average 22.86% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in California, Elk Grove drivers rank 92 in the number of speeding infractions per driver.
- Rank within state: #92
- Percent of drivers in Elk Grove with a speeding ticket: 7.56%
- Drivers in Elk Grove, CA with a speeding ticket in their driving history pay on average 40.48% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Elk Grove drivers rank 118 in the number of DUI’s per driver across all cities in California.
- Rank within state: #118
- Percent of drivers in Elk Grove with a DUI: 2.32%
- Drivers in Elk Grove, CA with a DUI in their driving history pay on average -84.29% more than drivers with a clean record
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in California, Elk Grove drivers rank 10 in rude driving infractions.
- Rank within state: #10
- Percent of drivers in Elk Grove with a reckless driving violation: 3.54%
- Drivers in Elk Grove, CA with a reckless driving violation in their driving history pay on average 35.71% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Elk Grove drivers rank 76 in clean driving records across all cities in California.
- Rank within state: #76
- Percent of drivers in Elk Grove with clean record: 77.8%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Elk Grove drivers rank 69 in failure to yield violations per driver across all cities in California.
- Rank within state: #69
- Percent of drivers in Elk Grove with a failure to yield violation: 0.12%
- Drivers in Elk Grove, CA with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in California, Elk Grove drivers rank 36 in the number of reckless driving offenses per driver.
- Rank within state: #36
- Percent of drivers in Elk Grove with a reckless driving offense: 0.12%
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Elk Grove is the Honda Accord.
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Manager at Insurify
Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others
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