Cheapest Auto Insurance in Elk Grove, California (2025)

USAA is the cheapest car insurance company in Elk Grove, with monthly liability rates as low as $82.

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Cheapest recent rates near Elk Grove, California

Recent Elk Grove, California car insurance prices for Mazda, Buick, Toyota , and more.

*Quotes generated for Insurify users in and around Elk Grove, California within the last 10 days. Last updated on July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 10, 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 July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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The Elk Grove average for full-coverage car insurance is $223 per month, which is lower than the California state average of $225 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 $102 per month.

  • USAA, National General, 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
sort ascsort desc
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.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
Mile Auto8.8$108$63Pay-per-mile insurance
Clearcover7.1$137$67Digital experience
Travelers8.5$325$130Full coverage
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.8 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$63/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.
$99/mo
4.1
Best choiceBased on 121 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 (45)
Arthur
Verified Purchase

Excellent

Reviewed in on June 2025
Good rates based on mileage!
Monica Jo
Verified Review

Inexpensive, but No Full Coverage

Reviewed in Ohio on June 2025
If you drive a lot, this isn't the insurance for you! They charge per mile.
Betty
Verified Purchase

Loving it with bumps...

Reviewed in on June 2025
I really don't know what my policy covers. I know I get liability insurance. I love the rates, making car insurance not such a burden on a fixed income. I have troubles here and there with my phone being out of memory, and the office will have to accept my odometer reading text message. But that's my fault; I guess I need a memory card or SD card. But I love Mile Auto.
See all Mile Auto reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

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

Pros
  • Provides cost savings for drivers with low mileage

  • Doesn’t require an in-car telematics device

Cons
  • Doesn’t offer a mobile app

  • No specific discounts

Best insurer for digital experience: Clearcover

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.
7.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$137/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.
$198/mo
3.4
A solid optionBased on 55 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 (38)
Jerry
Verified Review

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

Reviewed in Missouri on June 2025
Very good at helping get some insurance.
Mohammad
Verified Review

Price Increase for My Two Old Cars

Reviewed in Georgia on April 2025
The price for insuring my two old cars increased by 100%.
Ray
Verified Review

All Good

Reviewed in Maryland on December 2024
Everything is good, no problems.
See all Clearcover reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.36
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

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

Pros
  • Quick claims process

  • Highly rated mobile app

Cons
  • Bundling not available

  • Fewer discounts than competitors

Best insurer for full coverage: Travelers

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.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$131/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.
$328/mo
4.7
Best choiceBased on 907 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 (471)
N A
Verified Review

Time to Lower the Bill

Reviewed in Texas on July 2025
They have been great except for the point of going up in price.
Jesus
Verified Review

Excellent

Reviewed in California on June 2025
No bad experiences with Travelers.
John
Verified Review

Looking for Good Car Insurance at a Reasonable Rate

Reviewed in Florida on June 2025
Simply stated, Travelers has given me a good rate and the service they promise.
See all Travelers reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

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

Pros
  • Offers gap insurance and new-car replacement

  • Plenty of discounts available for premium savings

Cons
  • Rideshare insurance isn’t available in California

  • Higher average premiums than some competitors

Shop for Car Insurance in Elk Grove, CA

Liability quotes start at $82 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

How to get the cheapest car insurance in Elk Grove

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

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

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

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

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

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

Cheapest liability-only car insurance in Elk Grove: USAA

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

Liability-only policies in Elk Grove cost $102 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, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$82
National General$93
Sun Coast$103
Root$103
Anchor$109
Mercury$111
Dairyland$111
Allstate$112
Farmers$115
Direct Auto$116
State Farm$125
GEICO$130
Travelers$131
Bristol West$134
21st Century$143
Nationwide$176
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Anchor

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 $223 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, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Anchor$176
Root$195
USAA$203
Mercury$206
GEICO$207
Sun Coast$256
National General$268
Allstate$281
Farmers$289
State Farm$313
Direct Auto$320
Bristol West$324
Travelers$328
21st Century$357
Dairyland$363
Nationwide$441
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 Toyota, Honda, Ford , and more.

*Quotes generated for Insurify users in and around Elk Grove, California within the last 10 days. Last updated on July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 10, 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 July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 10, 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
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2024 Coverage Limits
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2025 Coverage Limits
sort ascsort desc
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:

  • 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.[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
Shopper Approved
ProgressiveLiberty MutualAllstate

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 $268 per month for full coverage and $123 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, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
USAA$82$99
National General$93$112
Sun Coast$103$124
Root$103$132
Anchor$109$135
Mercury$111$146
Dairyland$111$135
Allstate$112$135
Farmers$115$140
Direct Auto$116$141
State Farm$125$149
GEICO$130$162
Travelers$131$160
Bristol West$134$164
21st Century$143$177
Nationwide$176$214
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $257 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, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
USAA$82$99
National General$93$111
Sun Coast$103$119
Root$103$125
Anchor$109$134
Mercury$111$149
Dairyland$111$134
Allstate$112$135
Farmers$115$139
Direct Auto$116$144
State Farm$125$149
GEICO$130$147
Travelers$131$159
Bristol West$134$163
21st Century$143$176
Nationwide$176$214
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA

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

Drivers with a DUI in Elk Grove pay $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: Thursday, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
USAA$82$126
National General$93$143
Sun Coast$103$166
Root$103$158
Anchor$109$160
Mercury$111$173
Dairyland$111$170
Allstate$112$172
Farmers$115$177
Direct Auto$116$178
State Farm$125$192
GEICO$130$200
Travelers$131$201
Bristol West$134$206
21st Century$143$220
Nationwide$176$270
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Thursday, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Anchor$149$92
GEICO$167$105
USAA$168$68
Root$169$89
Mercury$174$94
National General$211$73
Sun Coast$228$92
Allstate$233$93
Farmers$233$93
State Farm$251$100
Direct Auto$258$93
Travelers$265$106
Bristol West$270$112
21st Century$281$112
Dairyland$302$92
Nationwide$342$136
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: USAA

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

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

A full-coverage policy in Elk Grove costs teen drivers an average of $433, while a liability-only policy costs $198. 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, July 3 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Anchor$323$200
Root$347$183
GEICO$379$238
USAA$380$154
Mercury$394$212
Sun Coast$497$200
National General$558$194
Farmers$560$223
Allstate$563$224
Bristol West$596$247
State Farm$606$242
Dairyland$621$190
Direct Auto$644$233
Travelers$661$264
21st Century$672$269
Nationwide$871$348
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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 $150 per month, and in California, it’s $161 per month. Elk Grove’s overall average car insurance rate of $162 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
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Bakersfield$207$84
Fresno$193$87
Long Beach$256$116
Los Angeles$345$162
Modesto$218$96
Oakland$269$105
Sacramento$236$107
San Diego$197$87
San Francisco$290$114
San Jose$217$93
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $102 per month for liability-only insurance and $223 per month for full coverage.

  • Which company has the cheapest car insurance in Elk Grove?

    USAA has the cheapest car insurance in Elk Grove, with monthly liability rates as low as $82. National General and Sun Coast also offer affordable coverage, with respective monthly liability rates of $93 and $103.

    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 500+ 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.

Related articles

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. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  6. Insurance Information Institute. "Senior driving safety and insurance tips."
  7. 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.

Jacqueline has been a contributor at Insurify since October 2022.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney 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.

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Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, 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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