13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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The Elk Grove average for full-coverage car insurance is $209 per month, which is lower than the California state average of $255 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 reported fewer car crash fatalities and injuries in 2020.[1]
Even though drivers in Elk Grove may pay lower prices than some other California drivers, the average cost of car insurance in Elk Grove is still higher than the national average of $158.
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 $122 per month.
Mile Auto, Sun Coast, and Mercury offer the cheapest car insurance in Elk Grove.
Car insurance companies in California can’t use your credit history to determine premiums.[2]
3 of the cheapest car insurance companies in Elk Grove
When choosing a car insurance company in Elk Grove, it’s important to consider your specific needs and circumstances rather than focusing on finding the cheapest policy. Factors such as your driving history, vehicle type, and coverage preferences play a role in determining which insurer offers you the most affordable prices.[3]
To help you shop for affordable car insurance, Insurify rated and identified the best car insurance companies in Elk Grove.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Mile Auto
3.5
$117
$63
Pay-per-mile insurance
Clearcover
3.2
$137
$67
Digital experience
Travelers
4.3
$363
$168
Full coverage
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 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
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.
$58/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
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.
$88/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.
$144/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 time of only seven minutes.
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.
$150/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.
$323/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.
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.
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 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 $122 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
58
Sun Coast
65
Mercury
78
Anchor
84
Safeco
86
USAA
93
Dairyland
104
National General
114
GEICO
124
Allstate
128
Farmers
131
Direct Auto
135
State Farm
142
Travelers
150
Bristol West
162
21st Century
163
Nationwide
201
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) or personal injury protection (PIP).
Drivers in Elk Grove pay an average of $209 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
108
Mercury
146
Sun Coast
151
Safeco
154
Anchor
180
USAA
200
Dairyland
241
National General
242
GEICO
266
Allstate
275
Farmers
284
State Farm
307
Travelers
323
Direct Auto
326
21st Century
351
Bristol West
362
Nationwide
432
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.
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
Comprehensive insurance covers vehicle damages from non-collision events, including fire, vandalism, theft, falling objects, and natural disasters.
Collision coverage
Collision insurance pays for vehicle damages from collisions with other vehicles or stationary objects, 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, gap insurance covers the difference between your auto loan balance and the insurance settlement in the event of a total loss.
The program’s auto insurance meets the state’s minimum liability requirements. However, drivers can add medical payments and uninsured/underinsured motorist coverage at an additional cost of $37 to $107 per year. California drivers can apply for the program online at MyLowCostAuto.com.
Cheapest car insurance for drivers with an incident
Finding affordable car insurance is important for drivers who have a record of incidents such as speeding tickets, driving under the influence (DUI), at-fault accidents, or other moving violations. These incidents usually lead to higher insurance premiums 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.
The average cost of car insurance for drivers with a speeding ticket in Elk Grove is $292 per month for full coverage and $170 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Mile Auto
58
82
Mercury
78
114
Safeco
86
119
USAA
93
118
Dairyland
104
137
National General
114
146
GEICO
124
157
Allstate
128
162
Farmers
131
167
Direct Auto
135
177
State Farm
142
178
Travelers
150
194
Bristol West
162
210
21st Century
163
216
Nationwide
201
258
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 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.
Elk Grove drivers with an accident pay an average of $273 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Mile Auto
58
83
Mercury
78
114
Anchor
84
110
Safeco
86
120
USAA
93
118
Dairyland
104
135
National General
114
147
GEICO
124
158
Allstate
128
162
Farmers
131
166
Direct Auto
135
177
State Farm
142
178
Travelers
150
193
Bristol West
162
205
21st Century
163
214
Nationwide
201
257
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 California, the number of fatalities from alcohol-impaired crashes increased by 16% from 2020 to 2021.[7] 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Mile Auto
58
87
Mercury
78
116
Anchor
84
122
Safeco
86
124
USAA
93
135
Dairyland
104
150
National General
114
165
GEICO
124
179
Allstate
128
185
Farmers
131
190
Direct Auto
135
195
State Farm
142
205
Travelers
150
217
Bristol West
162
234
21st Century
163
236
Nationwide
201
291
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-30s. But 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.[8]
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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
Mile Auto
83
44
Mercury
119
64
Safeco
131
73
USAA
160
74
Dairyland
195
84
National General
196
92
GEICO
211
98
Allstate
221
103
Farmers
223
103
State Farm
237
110
Direct Auto
252
104
Travelers
254
118
21st Century
265
123
Bristol West
290
130
Nationwide
325
151
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.[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.
A full-coverage policy in Elk Grove costs teen drivers an average of $324, while a liability-only policy costs $189.
Here are the cheapest car insurance companies in Elk Grove for teens and young drivers.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Full Coverage
Liability Only
Mile Auto
196
105
Mercury
251
134
Safeco
258
144
Anchor
301
141
USAA
308
143
Dairyland
364
157
GEICO
390
182
National General
433
204
Allstate
453
211
Farmers
463
214
State Farm
492
227
Travelers
546
253
21st Century
547
254
Direct Auto
558
231
Bristol West
561
251
Nationwide
691
322
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 $158 per month, and in California, it’s $190 per month. Elk Grove’s overall average car insurance rate of $165 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 ZIP code, and factors like weather, crime, and traffic can affect these rates. 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.
Here’s a comparison of Elk Grove’s average full-coverage and liability-only quotes with other major California cities.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Elk Grove car insurance FAQs
Learn why car insurance rates are increasing across the country, and check out Insurify’s answers to common questions about car insurance in Elk Grove.
How much is car insurance in Elk Grove?
The average cost of car insurance in Elk Grove is $122 per month for liability-only insurance and $209 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 $58. Sun Coast and Mercury also offer affordable coverage, with respective monthly liability rates of $65 and $78.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, 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 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.
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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