Compare Roseville, CA Car Insurance Rates [2024]

Although Roseville, CA car insurance is cheaper than the California car insurance average, it is more expensive than the overall national average. However, California is one of the few states that offer low-income car insurance to residents who meet certain income requirements.

Even if you don’t qualify for the low-cost insurance program, you can still find affordable Roseville, CA car insurance. Shop around and compare rates to see which company can offer you the best deals.

Monthly Roseville, CA Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Roseville, CA auto insurance rates by ZIP Code below:

Roseville, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

What city you reside in will impact your car insurance. That’s why it’s essential to compare Roseville, CA against other top US metro areas’ auto insurance costs.

Enter your ZIP code now to compare Roseville, CA car insurance quotes from multiple companies for free.

What is the cheapest car insurance company in Roseville, CA?

The cheapest Roseville, CA car insurance company on average is Geico, although rates will be different for every driver.

The cheapest Roseville, CA car insurance providers can be found below. You also might be wondering, “How do those Roseville, CA rates compare against the average California car insurance company rates?” We uncover that too.

The top car insurance companies in Roseville, CA listed from least to most expensive are:

• Geico car insurance – $2,713.28
• USAA car insurance – $2,742.78
• Progressive car insurance – $2,916.34
• Liberty Mutual car insurance – $2,988.09
• Travelers car insurance – $3,242.65
• State Farm car insurance – $4,042.29
• Allstate car insurance – $4,251.25
• Nationwide car insurance – $4,492.34
• Farmers car insurance -$4,726.85

Read more: Liberty Mutual vs. Travelers Car Insurance Comparison

There are many factors that affect car insurance rates, such as your age and driving record. Many companies will also use gender to determine your rates, but California is one of the few states that doesn’t allow it.

Where you live affects your rates also. Larger cities with more crime and traffic will pay more for car insurance. For example, Los Angeles car insurance is more expensive than coverage in Roseville.

California does offer low-cost auto insurance for low-income drivers. The California Low-Cost Auto (CLCA) program offers very low coverage for drivers who meet certain requirements.

Comparing Roseville, California car insurance costs by age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

Your coverage level will play a major role in your Roseville, CA car insurance costs. Find the cheapest Roseville, California car insurance costs by coverage level below:

Your driving record will affect your Roseville, CA car insurance costs. For example, a Roseville, California DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Roseville, California car insurance with a bad driving record.

Controlling these risk factors will ensure you have the cheapest Roseville, California car insurance. Factors affecting car insurance rates in Roseville, CA may include your commute, coverage level, tickets, DUIs, and credit.

Age is a significant factor for Roseville, CA car insurance rates. Young drivers are often considered high-risk. Therefore, teen car insurance is more expensive. Roseville, California does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Roseville, CA.

What car insurance coverage is required in Roseville, CA?

Almost every state requires at least a minimum amount of car insurance for drivers to drive legally. California is no exception.

The minimum auto insurance requirements in California for Roseville drivers are:

• $15,000 per person and $30,000 per incident for bodily injury liability
• $5,000 per incident for property damage

These minimums are very low, and drivers should consider raising these limits and carrying additional coverages. In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered.

Consider adding collision and comprehensive coverages. Collision car insurance helps pay for damages from an accident. Comprehensive car insurance covers damages not resulting from an accident, such as theft, vandalism, and natural disasters.

What affects car insurance rates in Roseville, CA?

Traffic can have an impact on your car insurance rates because you have a greater chance of being in an accident.

Although INRIX doesn’t have data for Roseville, it does rank nearby Sacramento, CA as the 55th most congested city in the U.S.

City-Data reports that most drivers in Roseville commute about 15-20 minutes, but a good number commute an hour or more.

Theft can also raise your car insurance rates. According to the FBI, there were 310 motor vehicle thefts in one year in Roseville.

Roseville, CA Car Insurance: The Bottom Line

Roseville car insurance is more expensive than the national average, but some drivers will qualify for low-cost coverage. Before you buy Roseville, CA car insurance, compare rates from top-rated companies to get your best deal.

Enter your ZIP code to compare Roseville, CA car insurance quotes for free today.