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Updated
USAA offers the cheapest car insurance for Roseville drivers.
Roseville’s car insurance rates are usually cheaper than the California state average.
Roseville has a manageable average commute time, but traffic on I-80 can build up during rush hour.
Roseville drivers pay average monthly rates of $96 for liability insurance and $183 for full coverage.
Rates in Roseville are typically less than the state average. Roseville has a relatively low population density, so its average rates are also usually lower than those of bigger California cities like Sacramento.[1]
The following table shows how the average cost of auto insurance in Roseville compares to the California state average.
Car Insurance Costs in Roseville vs. California  | Average Monthly Quote |
|---|---|
| Roseville average | $140 |
| California average | $148 |
USAA is the cheapest insurer for liability car insurance in Roseville, with an average monthly rate of $64.
Aspire General offers cheap full-coverage car insurance in Roseville, with an average rate of $118 per month.
Get rates from top insurers in the city, starting at an average of $64 per month
Roseville has some unique characteristics you should know about when driving in the city, including:
Short commute times: Roseville drivers have an average commute time of just 20–24 minutes. That’s lower than the national average of 27 minutes, according to the U.S. Census Bureau.[2]
City growth: Roseville’s population has increased by more than 15% since the 2020 census, and it continues to grow.[3] More people usually means an increase in construction and residential developments as the city attempts to keep pace with this growth.
Seasonal fog: Roseville sits in the Central Valley, where dense fog is a common hazard during the winter months. You may experience reduced visibility while driving between November and February, so plan for extra travel time.
Increased traffic: Interstate 80 and State Route 65 are the city’s primary traffic corridors, and both experience significant congestion during rush hour. That’s especially true if you’re heading into Sacramento.
Although the state of California ranks No. 1 in vehicle thefts, Roseville’s vehicle theft rates are much lower. Placer County recorded 197 thefts in the first quarter of 2025, down 25% from the previous year. For comparison, Sacramento County reported 2,630 vehicle thefts during the same period.
Vehicle theft is an important factor insurance companies consider when setting rates. Drivers in areas with high theft rates usually pay more for coverage. So Roseville’s relatively low number of vehicle thefts helps explain why its average rates are below the state average.
Car insurance costs in California vary from city to city. Bakersfield drivers pay an average of $132 per month, while drivers in Glendale pay an average of $268. Roseville car insurance rates are slightly higher than Bakersfield’s, but much lower than Glendale’s.
Los Angeles County, home to Glendale, ranked No. 1 for vehicle thefts in the first quarter of 2025. The city’s high theft rates likely contribute to its higher-than-average car insurance rates. The following table shows the average monthly rate for different California cities.
City | Average Monthly Quote |
|---|---|
| Anaheim | $163 |
| Bakersfield | $132 |
| Berkeley | $153 |
| Chula Vista | $128 |
| Elk Grove | $143 |
| Fremont | $138 |
| Fresno | $131 |
| Glendale | $268 |
| Long Beach | $171 |
| Los Angeles | $225 |
| Modesto | $143 |
| Moreno Valley | $147 |
| Oakland | $170 |
| Oxnard | $138 |
| Riverside | $150 |
| Roseville | $140 |
| Sacramento | $158 |
| San Bernardino | $157 |
| San Diego | $130 |
| San Francisco | $171 |
| San Jose | $136 |
| Santa Ana | $154 |
| Santa Barbara | $120 |
| Santa Maria | $114 |
| Stockton | $146 |
| Temecula | $130 |
| Victorville | $161 |
Roseville’s average commute time is pretty manageable, but the I-80/Highway 65 interchange is a known bottleneck. Eastbound I-80 regularly backs up from Highway 65 past Douglas Boulevard. The Placer County Transportation Planning Agency plans to modernize the interchange and improve traffic flow. Less congestion may also decrease car insurance rates.[4]
About 1% of Roseville residents have a driving under the influence (DUI) conviction, and 6% have an at-fault accident on their record, according to Insurify data. That’s higher than in many other California cities. Increased accident rates can drive up insurance costs in the city.
Like most states, California requires drivers to have minimum car insurance coverage. You must have at least $30,000 per person and $60,000 per accident of bodily injury liability coverage, and $15,000 of property damage liability coverage.[5]
USAA is the cheapest company for Roseville drivers looking for liability-only insurance. The following table shows the cheapest rates for minimum-coverage car insurance in Roseville.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $64 |
| Aspire General | $67 |
| GEICO | $69 |
| Sun Coast | $70 |
| Mercury | $71 |
| National General | $71 |
| Dairyland | $78 |
| Root | $85 |
| Direct Auto | $86 |
| Allstate | $88 |
| Farmers | $90 |
| Anchor | $93 |
| State Farm | $97 |
| Bristol West | $98 |
| Kemper Special | $102 |
| Travelers | $102 |
| 21st Century | $111 |
| Kemper Rsvp | $111 |
| Chubb | $173 |
Full-coverage car insurance usually includes liability, comprehensive, and collision coverage. It helps cover the costs of damage and injuries you sustain in an accident, regardless of who’s at fault.
Roseville had 130 speed-related crashes in 2023, according to the California Office of Traffic Safety.[6] Roseville drivers may want to consider full coverage due to the risk of accidents from other drivers speeding.
Aspire General is the cheapest insurer in Roseville for full coverage. The following table shows the cheapest rates for full-coverage car insurance in Roseville.
Insurance Company | Average Monthly Quote |
|---|---|
| Aspire General | $118 |
| Root | $131 |
| Mercury | $137 |
| GEICO | $140 |
| USAA | $142 |
| Kemper Special | $156 |
| Kemper Rsvp | $159 |
| Sun Coast | $164 |
| Anchor | $175 |
| Dairyland | $187 |
| National General | $190 |
| Allstate | $195 |
| Farmers | $201 |
| Bristol West | $210 |
| Direct Auto | $212 |
| State Farm | $218 |
| Travelers | $229 |
| 21st Century | $249 |
| Chubb | $388 |
*Quotes generated for Insurify users in and around Roseville, California within the last 10 days. Last updated on July 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Roseville, California within the last 10 days. Last updated on July 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
About 3% of Roseville drivers have a speeding ticket on their record, according to Insurify data. Fines for speeding in Placer County can exceed $500, depending on how fast you were going. If you can’t afford to pay the fine, you can request a payment plan or community service instead.[7]
Drivers in Roseville with a recent ticket pay an average of $177 per month for car insurance. The following table shows the cheapest liability insurance rates for Roseville drivers with a speeding ticket.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $83 |
| Aspire General | $85 |
| Sun Coast | $89 |
| National General | $89 |
| GEICO | $91 |
| Dairyland | $97 |
| Mercury | $99 |
| Root | $102 |
| Direct Auto | $109 |
| Allstate | $115 |
| Anchor | $115 |
| Farmers | $116 |
| State Farm | $124 |
| Bristol West | $124 |
| Kemper Special | $129 |
| Travelers | $133 |
| Kemper Rsvp | $141 |
| 21st Century | $147 |
| Chubb | $222 |
California is an at-fault state, meaning the driver who causes an accident is financially responsible for any damages or injuries. In Roseville, Insurify data shows that 6% of drivers have an at-fault accident on their record.
Roseville drivers with an at-fault accident on their record pay an average of $179 per month for car insurance. The following table shows the cheapest liability rates for drivers with an at-fault accident in Roseville.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $85 |
| Aspire General | $85 |
| Sun Coast | $89 |
| GEICO | $90 |
| National General | $93 |
| Dairyland | $101 |
| Mercury | $105 |
| Root | $105 |
| Direct Auto | $115 |
| Allstate | $116 |
| Farmers | $119 |
| Anchor | $119 |
| State Farm | $127 |
| Bristol West | $127 |
| Kemper Special | $130 |
| Travelers | $136 |
| Kemper Rsvp | $142 |
| 21st Century | $149 |
| Chubb | $227 |
Compare quotes from multiple insurers and save money on the coverage you need
In Roseville, 1% of drivers have a DUI on their record, according to Insurify data. A DUI conviction in Placer County can cost up to $3,000. You may also need to file an SR-22 certificate with the state.[8]
Drivers in Roseville with a DUI pay an average of $189 per month for car insurance. The table below shows the cheapest insurers in Roseville for drivers with a DUI.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $89 |
| Aspire General | $91 |
| Sun Coast | $95 |
| GEICO | $96 |
| National General | $99 |
| Mercury | $106 |
| Dairyland | $109 |
| Root | $118 |
| Direct Auto | $120 |
| Allstate | $123 |
| Farmers | $125 |
| Anchor | $130 |
| State Farm | $135 |
| Bristol West | $137 |
| Kemper Special | $138 |
| Travelers | $142 |
| 21st Century | $150 |
| Kemper Rsvp | $150 |
| Chubb | $241 |
In Roseville, teens can receive a driver’s permit at age 15 and a half. They need to complete 50 driving hours and 25 hours of driving instruction before receiving their license.[9]
Roseville teens pay an average of $253 per month for auto coverage. The following table shows the cheapest insurers for teen drivers in Roseville.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $117 |
| Aspire General | $121 |
| GEICO | $124 |
| Sun Coast | $126 |
| Root | $128 |
| Mercury | $129 |
| Dairyland | $135 |
| National General | $141 |
| Direct Auto | $167 |
| Allstate | $173 |
| Bristol West | $173 |
| Anchor | $177 |
| Farmers | $179 |
| Kemper Special | $184 |
| State Farm | $187 |
| 21st Century | $198 |
| Kemper Rsvp | $200 |
| Travelers | $211 |
| Chubb | $354 |
About 17% of Roseville residents are 65 or older, according to the U.S. Census Bureau.[10] Senior drivers typically pay some of the lowest car insurance rates because they have more experience and safer driving habits.
Roseville seniors pay an average of $127 per month for car insurance. The following table shows the cheapest liability rates for senior drivers in Roseville.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $53 |
| GEICO | $56 |
| National General | $57 |
| Mercury | $58 |
| Aspire General | $61 |
| Sun Coast | $64 |
| Dairyland | $68 |
| Direct Auto | $72 |
| Allstate | $73 |
| Farmers | $73 |
| Anchor | $77 |
| State Farm | $78 |
| Root | $80 |
| Travelers | $84 |
| Bristol West | $84 |
| 21st Century | $90 |
| Kemper Special | $93 |
| Kemper Rsvp | $101 |
| Chubb | $134 |
We answered some common questions from drivers about car insurance in Roseville. Check them out below.
Roseville drivers pay an average monthly rate of $140 for car insurance. Liability-only coverage costs an average of $96 per month, and full coverage averages $183.
AAA, GEICO, and Progressive have some of the highest customer satisfaction ratings in California, according to J.D. Power. But USAA offers the cheapest average rates in the city. Comparing quotes from multiple insurers is the easiest way to find the best coverage for your car.
Comparing rates from multiple insurers is one of the easiest ways to find affordable car insurance in Roseville. Maintaining a clean driving record and checking for discounts can also help lower your rates. Many insurers also offer savings for bundling your auto and homeowners insurance.
Many factors affect car insurance rates in Roseville, including the city’s traffic and vehicle theft rates. Roseville has less congestion and fewer thefts than other California cities, which helps lower rates. Personal details like your driving history and ZIP code also affect how much you pay for car insurance in Roseville.
California state law requires drivers to have $30,000 per person and $60,000 per accident of bodily injury liability coverage. You also need at least $15,000 of property damage liability coverage.
Insurify data scientists analyzed more than 190 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.