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 Average||National Average|
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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
|Company||Average Annual Rate|
Car insurance rates by age bracket in Roseville
The age group that pays the least for car insurance in Roseville are drivers in their age_60s ($1,564per year). Drivers in their age_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 bracket||Average Yearly Rate|
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/Gender||Average Yearly Rate|
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
|Incident||Average Yearly Rate|
|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|
Roseville car insurance rates by credit level
Credit score is often closely correlated with car insurance costs. In fact, Roseville drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 0% decrease in car insurance rates. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Roseville, improving your credit to "Fair" corresponds with a $0 decrease in annual car insurance rates.
ROSEVILLE AUTO INSURANCE RATES BY CREDIT SCORE
|Credit Level||Average Rate (annual)|