Roseville, CA Car Insurance

The average Roseville driver pays around $145 per month for auto insurance. Are you paying too much?

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How much does car insurance cost in Roseville?

 

Car insurance costs an average of $1,744 per year in Roseville. That's less than the average in California ($1,868) and more expensive than the national average of $1,548. Our guide to Roseville auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!

 
ROSEVILLE AUTO INSURANCE PREMIUMS
Roseville Average (per year)California AverageNational Average
$1,744$1,868$1,548
 
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Roseville car insurance rates by company

 

The difference in auto insurance rates from company to company can be substantial. For a typical driver, GEICO offers Roseville's most affordable premiums. Reference below the top options for affordable insurance in Roseville. Don't forget to get car insurance quotes based on your unique driving profile.

 
ROSEVILLE AUTO INSURANCE RATES BY COMPANY
CompanyAverage Annual Rate
GEICO$1,235
Mercury$1,409
AAA$1,590
Infinity$1,734
CSAA$1,763
 

Check out our guide to learn how to find the best cheap car insurance.

 
 

 

Car insurance rates by age bracket in Roseville

The age group that pays the least for car insurance in Roseville are drivers in their 60s ($1,564 per year). Drivers in their 50s pay marginally higher rates — $1,566 per year.

The Roseville drivers who pay the highest insurance rates are teenagers. When Roseville drivers hit their 20s, their insurance rates drop substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Roseville is $3,853, the largest such difference between any two age groups.

 
CAR INSURANCE RATES BY AGE TIER IN ROSEVILLE
Age bracketAverage Yearly Rate
Teenagers$6,433
20s$2,580
30s$1,695
40s$1,638
50s$1,566
60s$1,564
70s$1,824
 

Learn more about how age influences auto insurance rates.

 
 

 

Roseville auto insurance costs by marital status and gender

 

In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Roseville pay $73 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Roseville, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is yet another factor that can affect auto insurance premiums. In Roseville, female drivers pay $3 per year more than do male drivers for car insurance.

 
INSURANCE RATES IN ROSEVILLE BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$1,747
Male$1,744
Single$1,671
Married$1,671
Divorced$1,744
Widowed$1,695
 

Learn more about how gender and marital status have on insurance rates.

 
 

 

Roseville auto insurance premiums by accident and citation history

 

No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most costly citations to receive are DUI and reckless driving. Roseville drivers found guilty of reckless driving face insurance rate increases of $2,932 per year, compared to the citywide average. A DUI violation may lead to a $2,842 increase, while a citation for speeding leads to a $710 rate hike.

 
ROSEVILLE CAR INSURANCE RATES AFTER A COLLISION OR CITATION
IncidentAverage Yearly Rate
DUI/DWI$4,585
Reckless Driving$4,676
At-fault Accident (damages less than $1,000)$1,751
At-fault Accident (damages greater than $2,000)$3,079
Speeding Ticket (16-20 mph over speed limit)$2,453
 

Learn more about the impact of driving violations on car insurance rates.

 
 

 

Roseville car insurance rates by credit level

 

In many cases, a driver's credit level is closely correlated with their auto insurance rates. However, California doesn't allow auto insurers to set rates with credit score in mind.

 

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.