Drivers in Roseville can expect to pay an average of $130 per month for full coverage car insurance. Rates range from $127 to $310, depending on various factors. The table below outlines average car insurance costs for different driver profiles.
Roseville, CA, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Roseville: Key Takeaways
In the city, GEICO, Progressive and State Farm are among the most affordable car insurance providers for various driver profiles and coverage needs.
GEICO offers the lowest rates for minimum coverage at $40 per month, while Progressive provides the cheapest for full coverage at $95.
On average, Roseville residents pay $56 monthly for minimum and $130 for full coverage, though these rates vary significantly based on individual driver profiles and circumstances.
Car Insurance Quotes in Roseville, CA
| Young Drivers | $68 | $162 |
| Teens | No Data | $309 |
| Seniors | $55 | $127 |
| Drivers With a Speeding Ticket | $78 | $184 |
| Drivers With a DUI | $130 | $310 |
| Drivers With An Accident | $89 | $208 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Roseville vs. State Average
California
State Average Full Coverage Rate
$1,659
Roseville, CA
City Average Full Coverage Rate
$1,561More:$98 saved
This is 6% less expensive.
What Is the Average Car Insurance Rate in Roseville?
In Roseville, the average cost for full coverage car insurance is $1,561 per year, while minimum coverage costs $667 annually. These rates are lower than California's state averages of $1,659 and $693, respectively. Roseville residents can enjoy more affordable insurance options.
| State Average | $693 | $1,659 |
| Roseville Average | $667 | $1,561 |
Cheapest Car Insurance Companies in Roseville
Car insurance premiums might be climbing in the Golden State, but you can still find affordable options in Roseville. GEICO offers the cheapest minimum coverage at just $40 per month. For full coverage, Progressive has the best rate at $95 monthly.
WHY CAR INSURANCE IN ROSEVILLE IS CHEAP
Car insurance is affordable in Roseville due to factors like traffic volume and local accident rates. Roseville ranks low among California cities in terms of insurance premiums. Statewide, high rates of uninsured drivers, personal injury lawsuits and insurance fraud drive up the cost for residents.
Cheap Car Insurance in Roseville
GEICO often offers the cheapest car insurance for minimum coverage, but the best rates vary by driver. To find affordable car insurance, get quotes from several providers. Below is a table with the cheapest rates for different driver profiles.
| GEICO | Minimum Coverage | $40 |
| Progressive | Full Coverage | $95 |
| State Farm | Teens | $202 |
| GEICO | Young Adults | $81 |
| State Farm | Seniors | $62 |
| National General | Drivers With a DUI | $81 |
| Capital Insurance Group | Drivers With An Accident | $102 |
| National General | Drivers With a Speeding Ticket | $81 |
Car Insurance Rates in Roseville by Company
Car insurance prices vary, so compare multiple providers to find Roseville's most affordable rates. Below, we detail the cheapest minimum and full coverage options.
Cheapest Car Insurance Companies for Minimum Coverage in Roseville
GEICO offers the cheapest minimum coverage auto insurance at $40 per month. CSAA follows closely at $42. The table below breaks down the cheapest options.
| GEICO | $40 | $15 |
| CSAA | $42 | $14 |
| Progressive | $43 | $13 |
| State Farm | $45 | $10 |
| National General | $48 | $7 |
| Mercury | $51 | $5 |
| State National | $51 | $5 |
| Capital Insurance Group | $54 | $2 |
Cheapest Car Insurance Companies for Full Coverage in Roseville
Progressive offers the cheapest full coverage car insurance in Roseville at $95 per month. Below is a list of other providers and their rates.
| Allstate | $129 | $1 |
| Capital Insurance Group | $120 | $10 |
| CSAA | $120 | $10 |
| GEICO | $101 | $29 |
| Hartford | $116 | $14 |
| Mercury | $119 | $11 |
| National General | $106 | $24 |
| Progressive | $95 | $35 |
| State Farm | $114 | $16 |
| State National | $113 | $17 |
Car Insurance Companies in Roseville
To find the cheapest car insurance in Roseville, get quotes from several companies. Progressive offers the lowest rate at $826 annually. Capital Insurance Group is the best cheap provider, with a MoneyGeek score of 85. Check the table below for more options.
| Capital Insurance Group | 85 | $1,042 |
| Mercury | 77 | $1,018 |
| Chubb | 76 | $1,937 |
| State Farm | 76 | $954 |
| GEICO | 70 | $847 |
| Progressive | 70 | $826 |
| Nationwide | 68 | $1,172 |
| CSAA | 67 | $971 |
| Travelers | 65 | $1,271 |
| Hartford | 64 | $1,033 |
| Farmers | 61 | $1,399 |
| Allstate | 60 | $1,220 |
| National General | 59 | $923 |
| Kemper | 58 | $1,117 |
| State National | No Data | $982 |
Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Roseville by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates annually at $1,561 for 40-year-olds and $1,519 for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $3,581 | $-867 |
| 17 | $3,569 | $-855 |
| 18 | $3,367 | $-653 |
| 19 | $2,571 | $143 |
| 20 | $2,637 | $77 |
| 21 | $2,293 | $421 |
| 22 | $1,984 | $730 |
| 23 | $2,040 | $674 |
| 24 | $1,954 | $761 |
| 25 | $1,948 | $-165 |
| 40 | $1,561 | $222 |
| 65 | $1,519 | $264 |
Cheapest Car Insurance for Teens in Roseville
State Farm offers the cheapest overall car insurance for teens in Roseville at $200 per month, about $73 cheaper than the average state cost. The table below breaks down some of the most affordable providers in the city for this age group.
| State Farm | $200 | $73 | $202 |
| Allstate | $228 | $45 | $239 |
| GEICO | $242 | $31 | $278 |
| Farmers | $242 | $31 | $336 |
| Capital Insurance Group | $270 | $3 | $263 |
| Travelers | $282 | $-9 | $249 |
| Progressive | $291 | $-18 | $312 |
| Kemper | $349 | $-76 | $442 |
| Nationwide | $351 | $-79 | $456 |
Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Roseville
CSAA offers young drivers the best minimum coverage rate at $43 per month, while Progressive is the most affordable for full coverage at $115. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| CSAA | Minimum Coverage | $43 |
| Progressive | Full Coverage | $115 |
| National General | Drivers With a DUI | $98 |
| CSAA | Drivers With An Accident | $111 |
| National General | Drivers With a Speeding Ticket | $98 |
Cheapest Car Insurance Companies for Young Drivers in Roseville
GEICO offers the most affordable auto insurance for young drivers at $81 monthly. For those seeking affordable auto insurance, the table below shows other companies with competitive rates.
| GEICO | $81 | $34 |
| Progressive | $83 | $32 |
| CSAA | $88 | $27 |
| State Farm | $93 | $23 |
| National General | $94 | $22 |
| Capital Insurance Group | $98 | $18 |
| State National | $99 | $16 |
| Mercury | $109 | $7 |
| Allstate | $111 | $4 |
| Hartford | $112 | $4 |
Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Roseville
State Farm and National General are the city's two cheapest car insurance providers. Keep in mind that rates can vary based on several factors. The table below shows the most affordable companies for different driver and coverage profiles.
| State Farm | Minimum Coverage | $34 |
| State Farm | Full Coverage | $89 |
| National General | Drivers With a DUI | $82 |
| State Farm | Drivers With An Accident | $96 |
| National General | Drivers With a Speeding Ticket | $82 |
Cheapest Car Insurance Companies for Seniors in Roseville
State Farm offers the cheapest monthly premium for seniors for both minimum and full coverage at $62. GEICO follows closely at $68. The table below shows the top car insurance providers for seniors in Roseville.
| State Farm | $62 | $29 |
| GEICO | $68 | $23 |
| Progressive | $70 | $21 |
| Hartford | $75 | $16 |
| State National | $77 | $14 |
| National General | $78 | $13 |
| Capital Insurance Group | $82 | $9 |
| CSAA | $82 | $9 |
| Mercury | $85 | $6 |
Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Roseville
In Roseville, high-risk drivers pay less than the state average for both minimum and full coverage. The average annual rate for minimum coverage is $1,187 compared to the state’s $1,239. Full coverage costs $2,808 versus the state's $2,989. Drivers with DUI face the highest insurance costs, while accidents and speeding tickets have less impact.
| State Average | $1,239 | $2,989 |
| Roseville Average | $1,187 | $2,808 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Insurers in Roseville typically consider minor driving incidents, like a not-at-fault accident or speeding ticket, for around three to five years. The period extends for more serious offenses, such as a DUI, and you might need to file an SR-22 or FR-44 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Roseville
National General offers the cheapest minimum coverage for drivers with a DUI in Roseville at $612 per year. It also has the most affordable full coverage at $1,332. Check the table below for more low-cost coverage options.
| National General | $51 | $111 |
| Mercury | $82 | $195 |
| Capital Insurance Group | $93 | $215 |
| Progressive | $94 | $225 |
| GEICO | $97 | $239 |
Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Roseville
For those with an at-fault accident record in Roseville, the cheapest car insurance providers are CSAA, Capital Insurance Group and GEICO. You can find more details and companies offering the cheapest auto insurance after an at-fault accident in the table below.
| Capital Insurance Group | $62 | $141 |
| CSAA | $52 | $152 |
| State National | $72 | $160 |
| GEICO | $71 | $169 |
| State Farm | $72 | $177 |
Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Roseville
National General is the cheapest car insurance provider for drivers with speeding tickets, offering minimum coverage at $51 and full coverage at $111 monthly. Check the table below to see how other providers charge drivers with this violation.
| National General | $51 | $111 |
| Capital Insurance Group | $59 | $138 |
| GEICO | $61 | $150 |
| CSAA | $52 | $152 |
| Mercury | $65 | $156 |
Rates are for a 40-year-old driver with good credit and a speeding ticket.
Minimum Car Insurance Requirements in Roseville, CA
In the Golden State, each city adheres to car insurance minimums set by statewide mandates. Here's what your policy needs at a minimum:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
For example, if you're in an accident, your minimum coverage ensures the other driver’s medical bills are covered up to $15,000 per person.
Cheap Car Insurance in Roseville: Bottom Line
GEICO has the cheapest minimum coverage car insurance at $40, while Progressive leads for full coverage at $95 monthly. No matter your age, you'll find options that match your budget. Remember, California law requires coverage for bodily injury and property damage. Compare and save on essential protection that meets the Golden State's standards.
Roseville Auto Insurance: FAQ
This section offers quick answers about finding affordable and comprehensive car insurance options in Roseville. Learn about state minimum requirements and explore ways to secure the best deals.
What is the cheapest car insurance company in Roseville, CA?
GEICO offers the cheapest car insurance in Roseville, with a monthly rate of $40 for minimum coverage.
What is the best car insurance company in Roseville, CA?
Capital Insurance Group is rated the best car insurance provider in Roseville, with a MoneyGeek score of 85 and an average annual premium of $1,042.
How much does car insurance cost on average in Roseville, CA?
Average monthly rates for minimum coverage auto insurance in Roseville range from $55 to $130.
Best Cheap Car Insurance in Roseville: Our Methodology
MoneyGeek analyzed Roseville auto insurance prices using data from the California Department of Insurance and Financial Services and Quadrant Information Services.
Roseville Driver Profile
To assess the best and most affordable auto insurance options for Roseville residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Roseville
In assessing the car insurance quotes for Roseville, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to California's mandated liability insurance parameters:
The minimum coverage requirements in California are:
- $15,000 for bodily injury liability per person
- $30,000 for bodily injury liability per accident
- $5,000 for property damage liability per accident
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among California providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Roseville
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes from the average driver of various ages who drives a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Roseville.
For more information on how these scores and rates are calculated, please refer to MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.