The California state average for full-coverage car insurance is $258 per month, which is 12% higher than the Elk Grove average of $230 a month. Elk Grove drivers may enjoy slightly lower car insurance premiums, especially compared to their neighbors in Sacramento, because Elk Grove has fewer residents and reported fewer car crash fatalities and injuries in 2020.^[1]

Even though drivers in Elk Grove may experience lower prices than some other California drivers, the average cost of car insurance in Elk Grove is 31% higher than the national average.

Here’s what you need to know about finding affordable car insurance in Elk Grove.

Quick Facts

Liability-only car insurance in Elk Grove costs an average of $130 a month.
On average, Elk Grove residents spend $222 less on car insurance than their neighbors in Sacramento each year.
Car insurance companies in California can’t use your credit history to determine premiums.^[2]

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Best 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.

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

Pay-Per-Mile InsuranceMile Auto

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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.	$60/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

Overview

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 and cons

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

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.	3.1
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.	$60/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.	$117/mo

Overview

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 time of only seven minutes.

Pros and cons

Pros

Quick claims process
Highly rated mobile app

Cons

Bundling not available
Fewer discounts than competitors

Reviews

The pricing is good, but the renewal process is a nightmare; calling, chatting, and filling up forms for extended renewal is too much work. Just get Progressive.

BAYRON - July 23, 2023

Verified

I filed a claim with Clearcover last year, and they haven't paid it. Now my policy has gone up by $40 per month.

Catherine - January 14, 2023

Verified

Great service, low price, very helpful staff

Jack - September 12, 2022

Verified

Read our Clearcover review

Best insurer for full coverage: Travelers

full coverageTravelers

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.	4.3
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.	$135/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.	$273/mo

Overview

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 and cons

Pros

Offers gap insurance and new-car replacement
Plenty of discounts available for savings

Cons

Rideshare insurance isn’t available in CA
Higher average premiums than some competitors

Reviews

They have the lowest rates I could find.

Elise - September 11, 2023

Verified

They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.

Albert - September 6, 2023

Verified

Good service.

Jorge - September 4, 2023

Verified

Read our Travelers review

Cheapest liability-only car insurance in Elk Grove

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

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, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
Clearcover	60
Mile Auto	60
Sun Coast	64
Mercury	73
Infinity	76
Anchor	79
USAA	83
Safeco	92
National General	102
Dairyland	103
GEICO	112
Allstate	115
Farmers	119
State Farm	128
Travelers	135
Bristol West	141
21st Century	147
Nationwide	181
Chubb	229

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

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) or personal injury protection (PIP).

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, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
Mile Auto	108
Clearcover	117
Sun Coast	132
Mercury	134
Infinity	141
Safeco	153
Anchor	159
USAA	169
National General	204
GEICO	225
Allstate	234
Dairyland	236
Farmers	240
State Farm	260
Travelers	273
Bristol West	289
21st Century	298
Nationwide	366
Chubb	464

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I have multiple cars

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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 protection for every driver. Consider adding the following coverage options to your auto insurance policy in Elk Grove for more protection:

Comprehensive coverage
This covers vehicle damages from non-collision events, including fire, vandalism, theft, falling objects, and natural disasters.
Collision coverage
This pays for vehicle damages from collisions with other vehicles or stationary objects, regardless of fault.
Medical payments coverage
Similar to personal injury protection, 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, this 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 an 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 good 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 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.

Find Car Insurance in Elk Grove, California

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Cheapest car insurance for drivers with a speeding ticket

Driving faster than the legal speed limit poses significant risks, endangering both you and others on the road.^[7] As a consequence, having a speeding ticket on your driving record is likely to lead to higher auto insurance premiums.

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, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Clearcover	156	80
Infinity	193	104
Mercury	194	106
Anchor	210	105
Safeco	213	128
USAA	218	107
National General	267	133
GEICO	292	145
Allstate	303	149
Farmers	312	155
Dairyland	314	137
State Farm	333	164
Travelers	359	177
Bristol West	377	184
21st Century	401	198
Nationwide	478	236
Chubb	608	300

Cheapest car insurance for drivers with an at-fault accident

In 2020, Elk Grove reported 510 injuries and fatalities from car crashes, a 32% decrease from the previous year’s 752 injuries and fatalities.^[1] When an at-fault accident appears on your driving record, it’s typical for your auto insurance premiums to increase. Insurance companies raise rates to offset your higher risk of filing another claim.^[6]

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, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Clearcover	179	92
Infinity	181	98
Mercury	195	106
Anchor	203	101
Safeco	219	132
USAA	220	108
National General	268	134
GEICO	294	146
Allstate	305	150
Dairyland	313	136
Farmers	313	155
State Farm	336	165
Travelers	359	178
Bristol West	373	182
21st Century	400	197
Nationwide	481	238
Chubb	607	300

Cheapest car insurance for drivers with a DUI

Driving under the influence is a grave offense that undoubtedly leads to significantly higher car insurance premiums. In California, the number of fatalities from alcohol-impaired crashes increased by 16% from 2020 to 2021.^[8] 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.^[6]

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, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	164	91
Clearcover	177	91
Mercury	196	107
Infinity	213	115
Safeco	232	139
Anchor	241	120
USAA	256	126
National General	309	154
GEICO	341	170
Allstate	354	174
Dairyland	357	156
Farmers	363	180
State Farm	394	194
Travelers	413	204
Bristol West	438	213
21st Century	451	223
Nationwide	554	274
Chubb	703	347

Cheapest car insurance for seniors

Your age significantly affects car insurance rates, with prices typically decreasing as drivers gain driving experience and enter their mid-30s. However, once drivers reach around 75 years old, drivers may experience a slight uptick in rates due to factors such as potential health concerns and heightened accident risks.^[9]

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, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	63	35
Infinity	69	37
Mercury	80	44
USAA	97	48
Clearcover	98	50
Safeco	104	63
GEICO	124	62
Farmers	128	64
State Farm	131	65
Allstate	132	65
National General	135	67
Dairyland	146	64
Travelers	153	76
21st Century	157	78
Bristol West	171	83
Nationwide	179	89
Chubb	220	108

Cheapest car insurance for teens

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.

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, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Mile Auto	196	109
Clearcover	202	104
Mercury	239	130
Infinity	250	135
Anchor	261	129
Safeco	264	159
USAA	267	131
GEICO	338	168
Dairyland	368	161
National General	369	184
Allstate	392	193
Farmers	402	199
State Farm	425	209
Bristol West	461	225
Travelers	472	233
21st Century	475	234
Nationwide	596	295
Chubb	814	402

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 a higher deductible 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.

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 $170 per month, and in California, it’s $253 a month. Elk Grove’s average car insurance rate of $230 a month for full coverage is a bit lower than the state average but higher than the national average.

It’s important to note that insurance rates can vary significantly based on ZIP code, and factors like weather, crime, and traffic can affect these rates.^[3] For example, Elk Grove has fewer residents and reported fewer car crash injuries and fatalities than 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 2020 than Elk Grove, typically experience higher average car insurance costs.^[1]

Here’s a comparison of Elk Grove’s average full-coverage quote with other major California cities.

City	Average Monthly Quote	Compared to Elk Grove
Bakersfield	$244	6%
Fresno	$234	2%
Long Beach	$259	13%
Los Angeles	$350	52%
Modesto	$225	-2%
Oakland	$271	18%
Sacramento	$263	15%
San Diego	$226	-2%
San Francisco	$316	37%
San Jose	$254	10%
Stockton	$248	8%

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 a month for liability-only insurance and $230 a month for full coverage.
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 score 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.

More cities in California

Popular cities

Sources

California Office of Traffic Safety. "Crash Rankings Results." Accessed August 1, 2023
Federal Trade Commission. "Credit-Based Insurance Scores: Impact on Consumers of Automobile Insurance." Accessed August 1, 2023
III. "What determines the price of an auto insurance policy?." Accessed August 1, 2023
California DMV. "Auto Insurance Requirements." Accessed August 1, 2023
California Legislative Information. "SB-1107 Vehicles: insurance.." Accessed August 1, 2023
III. "Do auto insurance premiums go up after a claim?." Accessed August 1, 2023
National Safety Council. "Speeding." Accessed August 1, 2023
California Office of Traffic Safety. "California Traffic Safety Quick Stats." Accessed August 1, 2023
III. "Senior driving safety and insurance tips." Accessed August 1, 2023

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.

Learn More

Edited byCourtney MikulskiSenior Editor, Auto

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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Table of contents

Table of contentsCompare quotes

Shop for Car Insurance in Elk Grove, CA

Best car insurance companies in Elk Grove

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

Pay-Per-Mile InsuranceMile Auto

Best insurer for digital experience: Clearcover

digital experience Clearcover

Best insurer for full coverage: Travelers

full coverageTravelers

Cheapest liability-only car insurance in Elk Grove

Cheapest full-coverage car insurance in Elk Grove

Estimate your Elk Grove car insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in California

Comprehensive coverage

Collision coverage

Medical payments coverage

Glass coverage

Gap coverage

California’s low-cost auto insurance program

Cheapest car insurance for drivers with an incident

Find Car Insurance in Elk Grove, California

Cheapest car insurance for drivers with a speeding ticket

Cheapest car insurance for drivers with an at-fault accident

Cheapest car insurance for drivers with a DUI

Cheapest car insurance for seniors

Cheapest car insurance for teens

How to get the cheapest car insurance in Elk Grove

Shop for Cheap Auto Insurance in Elk Grove

Is car insurance more expensive in Elk Grove?

More cities in California

Elk Grove car insurance FAQs

Methodology

Related articles

More cities in California

Popular cities

Sources

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