How much is car insurance in Elk Grove?

Area Average Monthly Car Insurance Premium
Elk Grove $61
CA $56
United States $80

What can Elk Grove residents expect to pay for their car insurance ? How does Elk Grove compare to the surrounding area and the rest of California ? You can see the cost breakdowns and contributing factors in the charts and writeups below : As you can see, car indemnity policies across the rest of California are about $ 5 a calendar month cheaper than the rates drivers pay in Elk Grove .
On the early hand, the expected monthly payments for an car indemnity policy in Elk Grove are below the national average. Auto policy coverage in Elk Grove is about $ 19 cheaper than it is for the rest of the U.S .
Bear in mind that while these rates are the average costs for residents of Elk Grove, it does n’t mean that ‘s what you ‘ll pay. The come that policy companies end up charging you is determined by a number of factors. The final dollar come you ‘ll be asked to pay each calendar month is calculated off of your age, gender, vehicle seduce and model, driving record, and even your credit score depending on the circumstances.

But do n’t worry, we ‘ve broken down the average rates for Elk Grove residents based on several different factors so that you can get a more accurate mind of what you might pay. And if you ‘re not sure if you ‘re getting the cheapest rate for your area, plainly enter your ZIP under and find out !
See what you ‘ll pay in good minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18 Not Enough Data
18-24 $91
25-34 $52
35-44 $46
45-54 $43
55-64 $43
65+ $47

It ‘s pretty safe to assume that the older you are, the more have you have as a driver. That know can very work in your favor when factored into your car policy rates. According to the board above, you can see that 18-24-year-olds pay importantly more than drivers 65 and older .
For every ten years older you get, you can expect to see a drop in your monthly agio. That said, once you hit retirement, your rates may rise again in Elk Grove .

Average Car Insurance Rates by Gender

Gender Average
Male $65
Female $56

In general, female drivers pay less for car insurance than their male counterparts. In Elk Grove, this difference shakes out to about $ 9 a calendar month. Looking at the table above, you can see that female drivers pay around $ 56 on average, while male drivers typically pay $ 65 each month .

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident $83
Multiple Accidents $114
1 Ticket $126
Multiple Tickets $135

Your drive record can have a frightful shock on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Elk Grove with a single accident on their commemorate will normally see rates around $ 83 a month. Likewise, drivers with one ticket will be looking at a rate of around $ 126 a calendar month on average .
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to minimize your monthly rate, practice safe driving habits and keep your record clean .

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year $59
2-3 Years $59
4-5 Years $47
6-7 Years $62
8-10 Years $64
11-14 Years $58
15 Years or Older $63

In terms of low-cost coverage, the cheapest vehicles to insure in Elk Grove are normally SUVs, at $ 55 per calendar month .
car owners can expect to pay an average of around $ 62 a calendar month for their policy, while truck and van drivers are normally around $ 57 to insure each calendar month .
Your vehicle ‘s age besides plays a function in your monthly payment. Generally, newer vehicles are going to cost the most to insure. however, once your car is a few years honest-to-god, you may start to see your monthly premium drop back down. In Elk Grove, vehicles eight-to-ten years old are the most expensive to insure .

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married) $68
Married $47
Divorced $44
Widowed $40

On average, those who have settled down into marriage will pay slightly less to insure their cable car. This normally boils down to owners having multiple vehicles on the lapp policy, something that will often get you a dismiss .
At a national level, individual drivers normally pay more than married couples do for car indemnity. Elk Grove follows that form, with the dispute totaling to around $ 21 a month .

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own $52
Rent $55
Live with parents $89

Another factor that comes into play is your living accommodations. If you rent your dwelling or apartment, expect to pay around $ 3 a calendar month more than drivers who own property in Elk Grove. Those who live with their parents, however, can expect to pay a draw more .
That said, if you bundle your homeowners or rental insurance policy with your car insurance, many companies will offer you a discount rate to make up for it and reduce your overall costs .

Car Insurance Companies in Elk Grove, CA

Recent trends in car insurance for Elk Grove drivers

Given that modal rates are much changing, it ‘s a smart move to know the steering your area is trending when selecting an car policy policy.

In Elk Grove, the rates for car indemnity decreased from 2016-2017, where they reached a high of $ 71, before leveling out in 2018. indemnity rates rose again in 2019, and finished down at $ 60 in 2021 .

How does Elk Grove compare to neighboring areas?

Why are car insurance rates in Elk Grove different from other areas?

There are a variety of factors car indemnity companies will consider when choosing how much to charge for a monthly rate. The price of your indemnity policy will depend largely on where you live and will be influenced by things such as :

  • Community regulations
  • Rate of crime
  • Total number of drivers in the region
  • Off-street parking availability
  • Frequency of car accidents

While you wo n’t have the ability to change these factors yourself, they can be handy to keep in mind when seeking a raw policy or considering a move. With the cognition that unlike towns and cities will all have different rates, guides like these can be a good means to get a dwell of the estate of your particular vicinity .

How can I find the cheapest car insurance in Elk Grove?

While knowing what the average costs are for drivers like you can be helpful as you get an estimate of what you might pay, the lone room to know precisely what your rate will be is by requesting a quote from car policy companies .
fortunately, does all of that study for you. Simply insert your zip up Code below, answer a few questions on you and your car, and you ‘ll be comparing the cheapest quotes from a number of the cable car insurance companies that offer car coverage in Elk Grove .
Compare the cheapest quotes from dozens of indemnity companies

Elk Grove Insurance FAQs

What factors affect car insurance quotes in Elk Grove? Quotes are calculated by car policy companies who take multiple factors into retainer, including things you ca n’t control like your historic period and sex, but besides factors like your drive record, address, credit score, and marital status. Why is the cost of car insurance in Elk Grove different from other neighboring cities? Things like crime rates, parking situations, and local laws, which are subject on your address and area you live in, can significantly affect the cost of indemnity relative to other cities. Which car insurance company will offer me the cheapest rate in Elk Grove? Since the factors that car indemnity companies take into consideration when calculating the rate you might pay differ from person to person, there is no one policy company that will offer the cheapest rate to everybody. Things like your drive record, the count of drivers on the policy, and vehicle make and model, plus a count of others, are all taken into explanation. Because of this, it ‘s a good idea to use sites like to compare multiple quotes at once. Do I need to change my insurance if I move to Elk Grove?

Any major animation event, whether it be moving to a new sphere, finding a new speculate, getting married, or any other celebrated event constantly presents a commodity opportunity to re-evaluate your current indemnity policy. Regardless of your former pace, there may be cheaper options in your new location, so it ‘s a good mind to use services like to compare quotes from dozens of companies side-by-side. Do I need to wait for my policy to expire to switch to a different car insurance company? No. In fact, you can swap companies at any distributor point, careless of how much time is left on your stream coverage. so, whether you ‘re moving to Elk Grove or good curious about rates in your area, why not take 10 minutes to see if can save you money ?

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