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.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Mark FriedlanderDirector, Corporate Communications, Triple-I
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.
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Cheapest recent rates near Elk Grove, California
Drivers in and around Elk Grove, California have found policies from Orion Indemnity Company, Anchor Gemini, Mercury, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Elk Grove, California within the last 10 days. Last updated on October 3, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 October 3, 2024. 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 October 3, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 October 3, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
The Elk Grove average for full-coverage car insurance is $276 per month, which is lower than the California state average of $296 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 $130 per month.
Mile Auto, Sun Coast, and Mercury 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
$112
$60
Pay-per-mile insurance
Clearcover
6.8
$137
$67
Digital experience
Travelers
9.0
$399
$200
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 28,000 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
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.
$57/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.
$106/mo
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
I was hoping to save money by switching to Mile Auto. While the first two months did that, the third month my premiums went back to nearly what I had been paying with GEICO. So, I am very displeased.
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.
$94/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.
$179/mo
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.
There is no personal contact. You must use an automated system.
Samuel - September 13, 2024
Verified
They'll Drop You Unexpectedly
They cancelled our policy because my wife, who isn't even the primary insured and is 30 years old, has had her license for less than 3 years. She has never had an accident, claim, or citation.
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.
9.0/10
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.
$179/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.
$370/mo
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.
When comparing policies, I found better coverage with Allstate for $800 less.
Sergio - October 1, 2024
Verified
Good for Starting
The price is great at the beginning and it's for a full year, which is a plus. However, after the first few years, the price increased significantly. Also, adding a minor or a pickup truck to the policy can be quite expensive.
Dieudonne - September 30, 2024
Verified
This Insurance Company's Practices are Questionable
I regret not checking the reviews before signing up with this insurance company. I put my trust in my agent, which I now feel was a mistake. The negative reviews about this company are true, and I suspect the few 5-star ratings are not genuine. In my experience, this is the worst insurance company. They seem indifferent to their customers' needs. I won't go into detail, but I'm shocked by their conduct. They cancelled my policy due to their own oversight, without any notice or chance for appeal. I'm baffled as to how this company is legally operating. They seem to be primarily interested in securing the initial deposit and then dropping customers without a valid reason, presumably to maximize their profits without any risk. I believe such practices should be considered illegal. I'm not one to write reviews, but I felt compelled to share my experience. I advise caution when dealing with this company.
…
Shop for Car Insurance in Elk Grove, CA
Liability quotes start at $57 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: Mile Auto
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 $130 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Mile Auto
$57
Sun Coast
$72
Mercury
$90
Anchor
$96
USAA
$111
National General
$125
GEICO
$147
Direct Auto
$148
Allstate
$153
Farmers
$157
State Farm
$170
Travelers
$179
21st Century
$194
Bristol West
$214
Nationwide
$240
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: Mile Auto
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 $276 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Mile Auto
$106
Mercury
$168
Sun Coast
$211
Anchor
$223
USAA
$229
GEICO
$305
National General
$305
Allstate
$316
Farmers
$325
Direct Auto
$350
State Farm
$352
Travelers
$370
Bristol West
$399
21st Century
$402
Nationwide
$496
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
Drivers in and around Elk Grove, California have found policies from Anchor, Farmers, Direct Auto, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Elk Grove, California within the last 10 days. Last updated on October 3, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 October 3, 2024. 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 October 3, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 October 3, 2024. 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 15/30/5. This translates to the following coverages and limits:[4]
Coverage
▲▼
Minimum Requirements
▲▼
Bodily injury liability
$15,000 per person / $30,000 per accident
Property damage liability
$5,000 per accident
Important Information
California liability limits will increase on Jan. 1, 2025, to 30/60/15. This translates to $30,000 per person and $60,000 per accident for bodily injury liability and $15,000 per accident for property damage liability.[5]
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.
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.[6]
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
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Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Mile Auto
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 $362 per month for full coverage and $171 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
Mile Auto
$57
$73
Sun Coast
$72
$94
Mercury
$90
$121
Anchor
$96
$119
USAA
$111
$138
National General
$125
$157
GEICO
$147
$183
Direct Auto
$148
$184
Allstate
$153
$191
Farmers
$157
$195
State Farm
$170
$210
Travelers
$179
$225
21st Century
$194
$251
Bristol West
$214
$267
Nationwide
$240
$302
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: Mile Auto
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 $335 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
Mile Auto
$57
$74
Sun Coast
$72
$88
Mercury
$90
$120
Anchor
$96
$128
USAA
$111
$137
National General
$125
$156
GEICO
$147
$182
Direct Auto
$148
$187
Allstate
$153
$189
Farmers
$157
$193
State Farm
$170
$209
Travelers
$179
$223
21st Century
$194
$247
Bristol West
$214
$263
Nationwide
$240
$300
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: Mile Auto
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 $184 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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
Mile Auto
$57
$87
Sun Coast
$72
$102
Mercury
$90
$125
Anchor
$96
$131
USAA
$111
$170
National General
$125
$192
GEICO
$147
$225
Direct Auto
$148
$227
Allstate
$153
$235
Farmers
$157
$241
State Farm
$170
$261
Travelers
$179
$274
21st Century
$194
$297
Bristol West
$214
$328
Nationwide
$240
$368
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: Mile Auto
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.[7]
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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Mile Auto
$84
$45
Mercury
$136
$73
Anchor
$179
$77
Sun Coast
$188
$64
USAA
$190
$92
National General
$244
$100
GEICO
$253
$122
Allstate
$264
$128
Farmers
$265
$128
Direct Auto
$285
$120
State Farm
$285
$138
Travelers
$302
$146
21st Century
$313
$151
Bristol West
$333
$178
Nationwide
$387
$187
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: Mile Auto
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.[8] 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 $416, while a liability-only policy costs $196. Here are the cheapest car insurance companies in Elk Grove for teens and young drivers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Mile Auto
$193
$104
Mercury
$282
$151
Sun Coast
$318
$108
USAA
$355
$172
Anchor
$356
$153
GEICO
$447
$215
Allstate
$521
$252
Farmers
$530
$256
State Farm
$558
$270
National General
$565
$231
Direct Auto
$595
$252
Travelers
$623
$302
Bristol West
$627
$336
21st Century
$630
$304
Nationwide
$798
$386
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
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Based on 3,806+ reviews
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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 $158 per month, and in California, it’s $219 per month. Elk Grove’s overall average car insurance rate of $203 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.
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 $130 per month for liability-only insurance and $276 per month for full coverage.
Which company has the cheapest car insurance in Elk Grove?
Mile Auto has the cheapest car insurance in Elk Grove, with monthly liability rates as low as $57. Sun Coast and Mercury also offer affordable coverage, with respective monthly liability rates of $72 and $90.
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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
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.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Mark FriedlanderDirector, Corporate Communications, Triple-I
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.
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Mile Auto
Clearcover
Travelers
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