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Get Cheap Car Insurance in Granite Bay, CA
We monitor insurance prices, helping the average driver in Granite Bay save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Granite Bay
The chart below shows the cheapest car insurance company in Granite Bay 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.
| Granite Bay Insurer | Monthly Cost |
|---|---|
| Metromile | $52 |
| Geico | $58 |
| Progressive | $63 |
| Travelers | $65 |
Savings for Every Kind of Granite Bay Driver
Based on our extensive insurance data, we know the average Granite Bay 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 $660 per year by choosing the right vehicle insurance company. Some Granite Bay residents are paying out over $2,064 extra every year for auto insurance in Granite Bay. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Granite Bay, CA Savings / Yr. |
|---|---|
$660 |
|
$1,209 |
|
$956 |
|
$1,680 |
|
$862 |
|
$374 |
|
$0 |
Granite Bay Car Insurance vs. California
People living in Granite Bay pay an average of 2.79% more than the typical driver in the state. The average driver in Granite Bay can expect to pay about $966 per year, or $2,064 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Granite Bay for most people.
Car Insurance Prices by Granite Bay Neighborhood
Insurance Prices
Where is insurance cheapest within Granite Bay?
The map shows insurance prices in and around Granite Bay, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $243 per year within the city boundaries, with insurance premiums ranging from a high of $2,130 to a low of $1,887. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the North parts of Granite Bay.Pick the Best Car Insurance Company for You in Granite Bay
The best car insurance provider for most drivers in Granite Bay
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $660 over the average Granite Bay car insurance company.
The best car insurance provider for Granite Bay 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 $1,209 over the competition.
The best car insurance company for Granite Bay drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $956 better than other car insurance companies.
The best auto insurance for Granite Bay drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,680 less each year.
The least expensive car insurance company for new and young drivers in Granite Bay
In Granite Bay, State Farm costs young drivers $862 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Granite Bay
Progressive gave the largest car insurance discounts to married couples, averaging $374 saved each year compared to an average Granite Bay couple's premiums.
The cheapest car insurance in Granite Bay for drivers with bad credit
The best Granite Bay car insurance company for customer service
Nationwide was the best company for customer service in Granite Bay according to the NAIC.
Recent price drops
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The cheapest large national provider in Granite Bay
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Granite Bay 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 Granite Bay, 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 Granite Bay
What Influences the Cost of Car Insurance in Granite Bay?
On average, car insurance in Granite Bay 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 Granite Bay is 35 minutes, which is about the national 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 Granite Bay are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Granite Bay is one of the least populated areas 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 Granite Bay is $81 per month for minimum coverage and $172 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
- Orangevale: Insurance costs 1.41% less
- Loomis: Insurance costs 6.49% less
- Folsom: Insurance costs 0.87% less
- Rocklin: Insurance costs 2.71% less
- Citrus Heights: Insurance costs 1.26% more
- Roseville: Insurance costs 2.57% less
- Fair Oaks: Insurance costs 0.92% more
- El Dorado Hills: Insurance costs 1.99% less
- Penryn: Insurance costs 7.12% less
- Gold River: Insurance costs 0.48% more
Cities with Similar Populations
- Troy: Insurance costs 27.81% less
- Bellefonte: Insurance costs 38.13% less
- Bethany: Insurance costs 8.14% less
- Birmingham: Insurance costs 45.49% more
- Bristol: Insurance costs 10.37% more
- Broadview Heights: Insurance costs 46.12% less
- Burlington: Insurance costs 46.51% less
- Upper St. Clair: Insurance costs 31.59% less
- Canyon: Insurance costs 8.96% less
- Tukwila: Insurance costs 15.21% less