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Get Cheap Car Insurance in El Dorado Hills, CA
We monitor insurance prices, helping the average driver in El Dorado Hills save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in El Dorado Hills
The chart below shows the cheapest car insurance company in El Dorado Hills for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| El Dorado Hills Insurer | Monthly Cost |
|---|---|
| Metromile | $51 |
| Geico | $57 |
| Progressive | $61 |
| Travelers | $63 |
Savings for Every Kind of El Dorado Hills Driver
Based on our extensive insurance data, we know the average El Dorado Hills driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $647 per year by choosing the right vehicle insurance company. Some El Dorado Hills residents are paying out over $2,023 extra every year for auto insurance in El Dorado Hills. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
El Dorado Hills, CA Savings / Yr. |
|---|---|
$647 |
|
$1,185 |
|
$937 |
|
$1,647 |
|
$845 |
|
$367 |
|
$0 |
El Dorado Hills Car Insurance vs. California
People living in El Dorado Hills pay an average of 0.77% more than the typical driver in the state. The average driver in El Dorado Hills can expect to pay about $947 per year, or $2,023 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in El Dorado Hills for most people.
Car Insurance Prices by El Dorado Hills Neighborhood
Insurance Prices
Where is insurance cheapest within El Dorado Hills?
The map shows insurance prices in and around El Dorado Hills, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $222 per year within the city boundaries, with insurance premiums ranging from a high of $2,140 to a low of $1,918. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Southeast parts of El Dorado Hills.Pick the Best Car Insurance Company for You in El Dorado Hills
The best car insurance provider for most drivers in El Dorado Hills
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $647 over the average El Dorado Hills car insurance company.
The best car insurance provider for El Dorado Hills drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,185 over the competition.
The best car insurance company for El Dorado Hills drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $937 better than other car insurance companies.
The best auto insurance for El Dorado Hills drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,647 less each year.
The least expensive car insurance company for new and young drivers in El Dorado Hills
In El Dorado Hills, State Farm costs young drivers $845 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in El Dorado Hills
Progressive gave the largest car insurance discounts to married couples, averaging $367 saved each year compared to an average El Dorado Hills couple's premiums.
The cheapest car insurance in El Dorado Hills for drivers with bad credit
The best El Dorado Hills car insurance company for customer service
Nationwide was the best company for customer service in El Dorado Hills according to the NAIC.
Recent price drops
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The cheapest large national provider in El Dorado Hills
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average El Dorado Hills driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In El Dorado Hills, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around El Dorado Hills
What Influences the Cost of Car Insurance in El Dorado Hills?
On average, car insurance in El Dorado Hills is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in El Dorado Hills is 38 minutes, which is a little more than average for a driver in the state.
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in El Dorado Hills are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- El Dorado Hills is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in El Dorado Hills is $79 per month for minimum coverage and $169 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Rescue: Insurance costs 3.26% less
- Folsom: Insurance costs 1.14% more
- Cameron Park: Insurance costs 0.69% less
- Shingle Springs: Insurance costs 5.24% less
- Granite Bay: Insurance costs 2.03% more
- Orangevale: Insurance costs 0.59% more
- Pilot Hill: Insurance costs 1.68% less
- Gold River: Insurance costs 2.52% more
- Fair Oaks: Insurance costs 2.97% more
- Latrobe: Insurance costs 3.61% less
Cities with Similar Populations
- La Vergne: Insurance costs 24.12% less
- Rockledge: Insurance costs 22.59% more
- Raeford: Insurance costs 32.58% less
- Plymouth: Insurance costs 45.58% more
- Maricopa: Insurance costs 8.21% less
- Madison: Insurance costs 22.10% less
- Lincoln Park: Insurance costs 62.09% more
- Levittown: Insurance costs 34.40% more
- Romeoville: Insurance costs 18.54% less
- La Porte: Insurance costs 42.02% less