On average, the cheapest cable car insurance company in Elk Grove is Progressive. But, the bum for a submit minimum policy is GEICO and Esurance for drivers with a ticket. USAA is very low-cost for military members. MoneyGeek ranked AAA as the best in Elk Grove for combining affordability and quality service. Your coverage needs and profile determine the best for you .iconribbon best car policy Elk Grove

2022

The Cheapest and Best Car Insurance in Elk Grove

The Cheapest Car Insurance Companies in Elk Grove

On average, the companies offering the cheapest full coverage car insurance policy in Elk Grove are :

  • Progressive: $1,077 per year
  • GEICO: $1,081 per year

While not the cheapest full coverage policy in Elk Grove, USAA’s monetary value averages $ 1,109 a year. For budget-conscious drivers, Progressive is the best car policy company in Elk Grove for a broad coverage policy. It ’ s about 55 % less than the city ’ s costliest carrier, Farmers, at approximately $ 1,676 per class. A fully coverage policy includes liability, comprehensive and collision insurance. The total of indebtedness you purchase helps determine the cost .

Cheapest Car Insurance in Elk Grove

Full Coverage 100/300/100

  • party 100/300/100

    per year

  • 1 .Progressive

    $1,077

  • 2 .GEICO

    $1,081

  • 3 .Esurance

    $1,099

  • 4 .USAA

    $1,109

  • 5. CSAA

    $1,168

  • 6 .Mercury

    $1,364

  • 7 .State Farm

    $1,371

  • 8 .MetLife

    $1,412

  • 9 .Allstate

    $1,417

  • 10 .Hartford

    $1,541

  • 11 .Travelers

    $1,627

  • 12. Allied

    $1,666

  • 13 .Farmers

    $1,676

To calculate averages, MoneyGeek ’ s methodology involves a sample driver profile for a 40-year-old male seeking a full coverage policy in Elk Grove. A fully coverage policy is valuable because it has indebtedness plus comprehensive and collision insurance to protect your car. These added coverages make a full coverage policy more expensive than the state minimal policy .

  • Collision insurance: pays for repairs in an at-fault collision
  • Comprehensive insurance: pays for non-accident-related damage like a broken windshield or theft

If your cable car is older, the fully coverage bounty may be more than your car ’ south value. You can save money with a state of matter minimum or liability-only policy in that case .

Compare Car Insurance Rates in Elk Grove

guarantee you ‘re getting the best rate for your car indemnity. Compare quotes from the peak indemnity companies. widget-location-pinInsurance Rates

Cheapest Car Insurance in Elk Grove for Minimum Coverage

minimum coverage is the cheapest indemnity choice in Elk Grove. On median, the companies offering the cheapest minimal coverage car policy in Elk Grove are :

  • GEICO: $447 per year
  • CSAA: $462 per year

USAA is the second bum in Elk Grove at roughly $ 449 per year, but lone military members and veterans are eligible. The most expensive minimum coverage policy is from Farmers, around $ 923 per annum, more than twice adenine much as GEICO. minimum coverage is the cheapest choice for drivers in Elk Grove but has low levels of indebtedness and does not include collision and comprehensive examination coverage, risking your protection. Toggle the table below to see how much it costs for more indebtedness coverage .

Cheapest Minimum Liability Car Insurance in Elk Grove

submit Minimum

  • company State Minimum

    per year

  • 1 .GEICO

    $447

  • 2 .USAA

    $449

  • 3. CSAA

    $462

  • 4 .Progressive

    $469

  • 5 .Mercury

    $580

  • 6 .Esurance

    $612

  • 7 .Travelers

    $648

  • 8 .State Farm

    $663

  • 9 .MetLife

    $729

  • 10 .Hartford

    $737

  • 11. Allied

    $765

  • 12 .Allstate

    $797

  • 13 .Farmers

    $923

In California, a minimum coverage policy includes 15/30/5 in liability plus uninsured motorist of 15/30 with $ 3,500 in property damage coverage. This state minimal coverage policy in Elk Grove can save you money on your premium, but it could hurt your wallet if an accident happen. For exercise, if you cause property damage totaling $ 25,000 in an at-fault accident, the policy policy only covers $ 5,000, leaving you responsible for $ 20,000 .

California Minimum Liability Requirements

  • detail description
  • Bodily Injury and Property Damage $ 15,000 per person, $ 30,000 per accident and $ 5,000 for property wrong. A more protective degree is 100/300/100 .

Cheapest Car Insurance in Elk Grove if You Have Driving Violations

A badly drive criminal record with a irreverence like a DUI, ticket or at-fault accident affects your car policy rate in Elk Grove importantly. The car indemnity companies in Elk Grove, on average, with low-cost rates after a trespass are :

  • Cheapest after a ticket: Esurance, $1,397 per year
  • Cheapest after an at-fault accident: CSAA, $1,463 per year
  • Cheapest after a DUI: Mercury, $2,237 per year

With a military background, you can get the cheapest rate with a tag through USAA. To improve your record and get lower rates in Elk Grove can take years, but it is possible. right nowadays, get the cheapest rate with a irreverence by comparing car policy quotes .

Cheapest Car Insurance in Elk Grove With a Violation

Speeding ticket

  • company Speeding Ticket

    per year

  • 1 .USAA

    $1,212

  • 2 .Esurance

    $1,397

  • 3. CSAA

    $1,463

  • 4 .GEICO

    $1,594

  • 5 .Mercury

    $1,789

  • 6 .MetLife

    $1,830

  • 7 .Allstate

    $2,011

  • 8 .State Farm

    $2,017

  • 9 .Progressive

    $2,064

  • 10 .Farmers

    $2,303

  • 11. Allied

    $2,335

  • 12 .Travelers

    $2,428

  • 13 .Hartford

    $2,431

Average Cost of Car Insurance in Elk Grove

Elk Grove

$1,375

California

$1,429

U.S.

$1,424

The average car insurance rate in Elk Grove is lower than the state and national averages. Drivers in Elk Grove pay an average of $ 1,375 per year for vehicle insurance. This is 3.4 % less than the U.S. average and 3.8 % cheaper than the California average.

Personalized Quotes to Get You the Cheapest Car Insurance in Elk Grove

Auto indemnity providers evaluate multiple factors to determine car indemnity rates in Elk Grove. These can include age, gender, marital condition, driving know and more. For exercise, Progressive charges an average of $ 1,077 per year for 40-year-old male drivers in Elk Grove. This average annual monetary value can change as the driver ages. Since your liveliness circumstances can change frequently, it ’ s a good idea to compare car policy quotes regularly to make certain you have the best coverage at the most low-cost price .

Compare Car Insurance Rates in Elk Grove

see you ‘re getting the best rate for your car policy. Compare quotes from the top policy companies. widget-location-pin

The Best Car Insurance Companies in Elk Grove

For drivers in Elk Grove seeking a balance of affordability and quality servicing, MoneyGeek ranked car insurance companies in the city. The best cable car policy companies in Elk Grove are :

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA received the highest score in Elk Grove by MoneyGeek ‘s evaluation arrangement and is much the best option for military members, veterans and their families. These scores were based on J.D. Power drug user atonement, affordability and fiscal constancy ratings .
1

USAA

grade :

100

5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 2

Auto Club of Southern California Insurance Group

score :

90

4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A fiscal constancy 3

GEICO

score :

90

4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability 4

Wawanesa

score :

87.5

5/5 Affordability 4/5 Claims Ratings 4/5 User Satisfaction A- fiscal stability 5

State Farm

grudge :

87.5

3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal constancy 6

Ameriprise

sexual conquest :

85

4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 7

Hartford

sexual conquest :

85

3/5 Affordability 4/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 8

Progressive

score :

82.5

4/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 9

Allstate

score :

82.5

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 10

Safeco

sexual conquest :

80

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 11

CSAA

score :

77.5

2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 12

Liberty Mutual

score :

77.5

3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 13

Farmers

score :

77.5

2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 14

Mercury

score :

77.5

3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 15

Nationwide

score :

75

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 16

Kemper

score :

70

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A- fiscal constancy

Average Cost of Car Insurance by Postal Code

Your ZIP code can impact your car insurance premiums since unlike neighborhoods may have varying statistics on accident rates, uninsured motorists and thefts. In Elk Grove, residents of the 95757 neighborhood could pay an average of $ 37 less per year for their cable car policy compared to those living in the 95624 neighborhood .

  • Zip Code State Minimum

    per year

  • 95757

    $1,361

  • 95758

    $1,366

  • 95624

    $1,398

Factors That Impact Insurance Costs in Elk Grove

In summation to individual driver needs and history, location-specific factors like the share of uninsured motorists and the rate of car thefts besides contribute to car insurance rates in Elk Grove. How Elk Grove ranks compared to the 300 most populous cities in the United States can have a meaning impact on premium costs .accident2 icon Most Accidents With Fatalities

286th

/ 300handcuffs2 icon Most car Thefts

206th

/ 300uninsured icon Most uninsured Motorists by State

12th

/ 50insurance2 icon personal Injury Protection Required Norain icon Most annual rain

211th

/ 300umbrella icon Most showery Days

232nd

/ 300

Methodology and Assumptions

MoneyGeek ’ s average premium rates for Elk Grove are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their criminal record. Additional premiums are added based on coverage type, localization and drive record. Learn more about MoneyGeek ’ randomness data and methodology here. About the generator

expert-profileexpert-profile Mark Fitzpatrick is a senior content coach with MoneyGeek specializing in policy. Mark has years of experience analyzing the insurance market and creating original inquiry and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a chief of Arts .

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