Elk Grove Car Insurance

How much is auto insurance in Elk Grove?


Car insurance costs an average of $1,881 per year in Elk Grove, California. That's more than the average in California ($1,868) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Elk Grove.


ELK GROVE AUTO INSURANCE RATES
Elk Grove Average (per year)California AverageNational Average
$1,881$1,868$1,548

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Elk Grove auto insurance rates by provider


One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical insurance customer, GEICO provides Elk Grove's cheapest rates. See below the best options for affordable auto insurance in Elk Grove. Don't forget to get car insurance quotes based on your driving profile.


ELK GROVE CAR INSURANCE RATES BY COMPANY
InsurerAverage Yearly Rate
GEICO$1,157
Mercury$1,471
AAA$1,834
CSAA$1,888
Infinity$1,970

Read our guide to finding the best cheap auto insurance.



Elk Grove car insurance premiums by age

Elk Grove drivers in their age_60s enjoy relatively affordable auto insurance rates, paying just $1,680per year, on average. Rates for Elk Grove drivers in their age_50s are also relatively affordable, at just $1,687 per year.

Teenage drivers pay Elk Grove's most expensive auto insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Elk Grove is to celebrate your 20th birthday. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Elk Grove is $4,129. That's the biggest gap in premiums between any pair of age brackets.


ELK GROVE AUTO INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Yearly Rate
Teenagers$6,912
20s$2,783
30s$1,831
40s$1,768
50s$1,687
60s$1,680
70s$1,959

Learn more about the impact of age on auto insurance rates.



Elk Grove car insurance rates by gender and marital status


Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers usually pay less for car insurance than their single counterparts. In Elk Grove, married motorists pay $81 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Elk Grove, widowed drivers pay less than those who are single.

Another component of auto insurance pricing is gender. In Elk Grove, female drivers pay $2 per year more than do male drivers.


INSURANCE RATES IN ELK GROVE BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Yearly Rate
Female$1,883
Male$1,881
Single$1,800
Married$1,800
Divorced$1,881
Widowed$1,828

Read more about the relationships between gender, marital status and insurance rates.



Elk Grove auto insurance costs by accident and citation history


Maintaining a clean driving record is an effective way to minimize your insurance rates. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most costly citations to receive are DUI and reckless driving. Elk Grove drivers found guilty of reckless driving face insurance rate increases of $3,219 per year, compared to the citywide average. A DUI violation may lead to a $3,114 increase, while a citation for speeding leads to a $767 rate hike.


AVERAGE ELK GROVE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage Yearly Rate
DUI/DWI$4,995
Reckless Driving$5,100
At-fault Accident (damages less than $1,000)$1,889
At-fault Accident (damages greater than $2,000)$3,323
Speeding Ticket (16-20 mph over speed limit)$2,649

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



Elk Grove auto insurance rates by credit score


It's no secret credit score is closely correlated with car insurance rates. In fact, Elk Grove 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 from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Elk Grove, improving your credit to "Fair" could help you earn $0 in savings on insurance premiums each year.


ELK GROVE AUTO INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Yearly Rate
Very Poor$1,881
Fair$1,881
Good$1,881
Very Good$1,881
Exceptional$1,881

Learn more about the relationship between poor credit and car insurance.



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 been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.