Cheapest Auto Insurance in Elk Grove, California (2024)

Mile Auto is the cheapest car insurance company in Elk Grove, with monthly liability rates as low as $57.

Jacqueline DeMarco
Jacqueline 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.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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 May 29, 2024

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Cheapest recent rates near Elk Grove, California

Recent Elk Grove, California car insurance prices for Pontiac, Hyundai, Honda , and more.

*Quotes generated for Insurify users in and around Elk Grove, California within the last 10 days. Last updated on May 28, 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 May 28, 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 May 28, 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 May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The Elk Grove average for full-coverage car insurance is $251 per month, which is lower than the California state average of $271 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 $133 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Mile Auto3.7$116$62Pay-per-mile insurance
Clearcover3.4$137$67Digital experience
Travelers4.5$375$175Full 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
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
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.
$108/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

  • Doesn’t require an in-car telematics device

Cons
  • Doesn’t offer a mobile app

  • No specific discounts

Best insurer for digital experience: Clearcover

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
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
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.
$86/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.
$142/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.

Pros
  • Quick claims process

  • Highly rated mobile app

Cons
  • Bundling not available

  • Fewer discounts than competitors

Read our Clearcover review
Mario - May 20, 2024
Verified

I love it!

I love this place. Every interaction was so easy.

Joshua - April 14, 2024
Verified

Loyal Customers Get Raised Rates

They start off with good rates, but after being a loyal customer, they raise the rates even though the value of the vehicles goes down.

Linda - April 7, 2024
Verified

No

The cost is too high considering how little I drive. I haven't had any tickets in 10 years and I'm a senior.

Best insurer for full coverage: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$166/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.
$355/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.

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

Read our Travelers review
John - May 29, 2024
Verified

Car Insurance Rate Review, May 2024

The service was fine, I was strictly shopping for rates.

Dylan - May 22, 2024
Verified

Billing Issues

I signed up to have my bill mailed to me, but I almost never received it. This caused me to be late on payments regularly.

Barbara - May 22, 2024
Verified

My insurance increased from $459 to $788, and then to $888 this year for a 6-month period. What bothered me most was the lack of communication from Travelers. I understand that all insurance companies are for profit, but they should be respectful to their customers. I'm starting to think that all insurance is a scam.

My insurance increased from $459 to $788, and then to $888 this year for a 6-month period. What bothered me most was the lack of communication from Travelers. I understand that all insurance companies are for profit, but they should be respectful to their customers. I'm starting to think that all insurance is a scam.

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 $133 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto57
Sun Coast72
Mercury85
Anchor92
Dairyland100
USAA103
National General122
GEICO137
Allstate142
Direct Auto144
Farmers146
State Farm158
Travelers166
21st Century181
Bristol West189
Nationwide223
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 $251 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto108
Mercury160
Anchor208
Sun Coast208
USAA219
Dairyland286
National General288
GEICO293
Allstate303
Farmers312
State Farm338
Direct Auto340
Travelers355
21st Century386
Bristol West387
Nationwide475
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.

How Much Other Insurify Customers Pay in and around Elk Grove, California

Drivers in and around Elk Grove, California have found policies from State Farm, Mile Auto, 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 May 28, 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 May 28, 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 May 28, 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 May 28, 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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.[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

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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 $342 per month for full coverage and $181 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Mile Auto5778
Sun Coast7298
Mercury85115
Anchor92116
Dairyland100127
USAA103130
National General122170
GEICO137173
Allstate142179
Direct Auto144184
Farmers146183
State Farm158198
Travelers166211
21st Century181235
Bristol West189237
Nationwide223284
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 $322 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Mile Auto5779
Sun Coast7292
Mercury85114
Anchor92127
Dairyland100126
USAA103130
National General122153
GEICO137173
Allstate142179
Direct Auto144186
Farmers146183
State Farm158198
Travelers166210
21st Century181233
Bristol West189234
Nationwide223283
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 $172 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Mile Auto5776
Sun Coast7293
Mercury85113
Anchor92137
Dairyland100149
USAA103153
National General122181
GEICO137203
Allstate142211
Direct Auto144214
Farmers146217
State Farm158235
Travelers166247
21st Century181269
Bristol West189281
Nationwide223331
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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Mile Auto8444
Mercury12365
Anchor16673
USAA17783
Sun Coast17862
Dairyland23382
National General235100
GEICO237111
Allstate247116
Farmers247116
Direct Auto266113
State Farm266124
Travelers283133
21st Century295138
Bristol West316154
Nationwide362170
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 $378, while a liability-only policy costs $200. Here are the cheapest car insurance companies in Elk Grove for teens and young drivers.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
Mile Auto193102
Mercury268142
Sun Coast314109
USAA331156
Anchor335148
GEICO418195
Dairyland438153
Allstate485227
National General494209
Farmers504236
State Farm523244
Direct Auto570242
21st Century586275
Travelers586274
Bristol West602294
Nationwide741348
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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Is car insurance more expensive in Elk Grove?

The average cost of full-coverage car insurance in the U.S. is $160 per month, and in California, it’s $202 per month. Elk Grove’s overall average car insurance rate of $192 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.

CityFull CoverageLiability Only
Bakersfield$241$112
Fresno$241$127
Long Beach$263$154
Los Angeles$340$198
Modesto$276$130
Oakland$302$150
Sacramento$292$137
San Diego$233$116
San Francisco$294$148
San Jose$270$125
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 $133 per month for liability-only insurance and $251 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 $85.

    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.

Sources

  1. California Office of Traffic Safety. "OTS Crash Ranking Results."
  2. Federal Trade Commission. "Credit-Based Insurance Scores."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  4. California Department of Motor Vehicles. "Insurance Requirements."
  5. California Legislative Information. "SB-1107 Vehicles: insurance."
  6. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  7. Insurance Information Institute. "Senior driving safety and insurance tips."
  8. California Office of Traffic Safety. "California Traffic Safety Quick Stats."
Jacqueline DeMarco
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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 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.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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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