Elk Grove, CA Auto Insurance (2024)

On average, Elk Grove, CA auto insurance rates are $5,092 per year, which is about $1,403 more than the California state average and $1,160 more than the national average.

Auto insurance in Elk Grove, CA, varies for each person because auto insurance costs depend on personal factors.

Read through this guide to learn more about Elk Grove, California auto insurance and how shopping around can lead to cheap auto insurance.

Monthly Elk Grove, CA Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Elk Grove, California auto insurance rates by ZIP Code below:

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Elk Grove, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Elk Grove, California stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

Are you ready to find affordable Elk Grove, CA auto insurance quotes? Enter your ZIP code above to compare multiple auto insurance companies near you.

What is the cheapest auto insurance company in Elk Grove, CA?

The cheapest car insurance company in Elk Grove, California, based on average rates, is USAA.

Which Elk Grove, CA car insurance company has the best rates? And how do those rates compare against the average California car insurance company rates? We’ve got the answers below.

The best auto insurance companies in Elk Grove, CA, ranked from cheapest to most expensive are:

• USAA – $2,708
• Geico – $2,660
• Progressive – $2,722
• Liberty Mutual – $3,389
• Travelers – $3,399
• State Farm – $4,501
• Nationwide – $4,812
• Allstate – $4,995
• Farmers – $5,074

If you’re not a veteran or in the immediate family of someone in the U.S. Armed Forces, you won’t be eligible for a USAA auto insurance policy.

Therefore, you’ll have to choose a company available to all potential customers, such as Geico, Progressive, etc.

The quickest road to cheap Elk Grove, CA auto insurance is a clean driving record, age, and whether you qualify for several discounts.

If you’re in the 16 to 24 age range, auto insurance rates could cost twice as much. We recommended staying under a parent’s policy and pursuing discounts by driving less and maintaining good grades.

Elk Grove, CA car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

Your coverage level will play a major role in your Elk Grove car insurance rates. Find the cheapest Elk Grove, CA car insurance rates by coverage level below:

Your driving record will play a major role in your Elk Grove car insurance rates. For example, other factors aside, an Elk Grove, CA DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Elk Grove, CA car insurance rates by driving record.

Factors affecting car insurance rates in Elk Grove, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Elk Grove, CA car insurance.

These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. CA does use gender, so check out the average monthly car insurance rates by age and gender in Elk Grove, CA.

What are the minimum auto insurance requirements in Elk Grove, CA?

All Elk Grove drivers have to meet the minimum California auto insurance requirements.

In California, you have to carry at least:

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

California is an at-fault state, which means an at-fault driver must use their auto insurance policy to pay for the no-fault driver’s bodily injury and property damage from the collision.

If an insurance policy is insufficient, the no-fault driver has the right to sue the at-fault driver for the remainder of the cost.

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What affects auto insurance rates in Elk Grove, CA?

Gender and credit-based auto insurance have been outlawed in California, but commute mileage and vehicle thefts are still factors.

According to Data USA, the average commute time in Elk Grove is 30 minutes, which is five minutes slower than average.

Driving your vehicle less in Elk Grove could save at least ten percent on your auto insurance, but your savings will depend on the company.

Why is comprehensive coverage recommended in Elk Grove, CA?

Any city with a low vehicle theft rate can get a deal on comprehensive coverage. According to the 2019 FBI statistics, Elk Grove, CA, had 200 vehicle thefts.

Elk Grove, CA weather is also something you should consider. According to City-Data, Elk Grove 13 flooding disasters in 2019.

Although comprehensive coverage isn’t required, it’s highly recommended to avoid expensive out-of-pocket costs.

Elk Grove, CA Auto Insurance: What’s the bottom line?

Elk Grove, CA car insurance rates are expensive, but it’s still cheaper than Los Angeles auto insurance. The best way to secure cheap auto insurance is to maintain a clean driving record.

Before you buy Elk Grove, CA auto insurance, shop around for a policy where you can save money. Use our free comparison tool below to get fast, free auto insurance quotes.

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