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Get Cheap Car Insurance in Elk Grove, CA
We monitor insurance prices, helping the average driver in Elk Grove save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Elk Grove
The chart below shows the cheapest car insurance company in Elk Grove 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.
| Elk Grove Insurer | Monthly Cost |
|---|---|
| Metromile | $55 |
| Geico | $62 |
| Progressive | $67 |
| Travelers | $69 |
Savings for Every Kind of Elk Grove Driver
Based on our extensive insurance data, we know the average Elk Grove 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 $703 per year by choosing the right vehicle insurance company. Some Elk Grove residents are paying out over $2,200 extra every year for auto insurance in Elk Grove. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Elk Grove, CA Savings / Yr. |
|---|---|
$703 |
|
$1,288 |
|
$1,019 |
|
$1,790 |
|
$919 |
|
$399 |
|
$0 |
Elk Grove Car Insurance vs. California
People living in Elk Grove pay an average of 9.56% more than the typical driver in the state. The average driver in Elk Grove can expect to pay about $1,030 per year, or $2,200 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Elk Grove for most people.
Car Insurance Prices by Elk Grove Neighborhood
Insurance Prices
Where is insurance cheapest within Elk Grove?
The map shows insurance prices in and around Elk Grove, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $495 per year within the city boundaries, with insurance premiums ranging from a high of $2,392 to a low of $1,897. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the South parts of Elk Grove.Pick the Best Car Insurance Company for You in Elk Grove
The best car insurance provider for most drivers in Elk Grove
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $703 over the average Elk Grove car insurance company.
The best car insurance provider for Elk Grove 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 $1,288 over the competition.
The best car insurance company for Elk Grove drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $1,019 better than other car insurance companies.
The best auto insurance for Elk Grove drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,790 less each year.
The least expensive car insurance company for new and young drivers in Elk Grove
In Elk Grove, State Farm costs young drivers $919 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Elk Grove
Progressive gave the largest car insurance discounts to married couples, averaging $399 saved each year compared to an average Elk Grove couple's premiums.
The cheapest car insurance in Elk Grove for drivers with bad credit
The best Elk Grove car insurance company for customer service
Recent price drops
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The cheapest large national provider in Elk Grove
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Elk Grove 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 Elk Grove, 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 Elk Grove
What Influences the Cost of Car Insurance in Elk Grove?
On average, car insurance in Elk Grove 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 Elk Grove is 39 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 Elk Grove are higher than average 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.
- Elk Grove has an average population density 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 Elk Grove is $86 per month for minimum coverage and $183 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
- Franklin: Insurance costs 6.36% less
- Florin: Insurance costs 3.64% more
- Vineyard: Insurance costs 2.50% less
- Parkway: Insurance costs 5.95% more
- Hood: Insurance costs 14.00% less
- Lemon Hill: Insurance costs 11.18% more
- Clarksburg: Insurance costs 15.23% less
- Rosemont: Insurance costs 2.45% less
- Wilton: Insurance costs 9.82% less
- Twin Cities: Insurance costs 9.45% less
Cities with Similar Populations
- Harlingen: Insurance costs 18.00% less
- Hawthorne: Insurance costs 9.82% more
- Hillsboro: Insurance costs 25.68% less
- Hartford: Insurance costs 5.86% less
- Hampton: Insurance costs 42.09% less
- Hattiesburg: Insurance costs 21.91% less
- Hamilton: Insurance costs 47.82% less
- Glen Burnie: Insurance costs 10.59% less
- Greer: Insurance costs 25.50% less
- Garden Grove: Insurance costs 2.09% more