Elk Grove Car Insurance

The Zebra
May 30, 2018

Car Insurance in Elk Grove

Understanding premium costs while insuring a vehicle in Elk Grove is important because California premiums are recognized for being pricey. They generally surpass the national average by $286. Let’s get started on how to save on car insurance in Elk Grove.

  • City Average: $1,738
  • State Average: $1,713
  • National Average: $1,427

Elk Grove Car Insurance by Age

The biggest fall in premiums for Elk Grove drivers happens when they hit their 20s. Once out of the teenage age range, individuals save, on average, 61% on car insurance. Turning 70 triggers a rise in rates, but up until that age drivers can expect premium reductions when they progress between age groups. Teenage drivers have the largest premiums of any age group. They pay around $6,454 on car insurance premiums. Among all age groups, drivers in their 60s have the smallest insurance payments, with rates of $1,487/year. People in their 50s ($1,529) have premiums that aren't much higher.

  • Teenagers: $6,454
  • 20s: $2,546
  • 30s: $1,706
  • 40s: $1,649
  • 50s: $1,529
  • 60s: $1,487
  • 70s: $1,659

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Elk Grove Car Insurance by Gender and Marital Status

In Elk Grove, both gender and marital status play a role in your car insurance premiums. However, the amount by which men's and women's car insurance premiums vary is minimal. Rates for those who are widowed are relatively cheaper than rates for those who are single. Those who are single spend around 5% more per year on car insurance compared to those who are married.

  • Female: $1,741
  • Male: $1,738
  • Single: $1,738
  • Married: $1,663
  • Divorced: $1,738
  • Widowed: $1,669

Elk Grove Car Insurance by Accident or Violation History

Does your driving record show a history of accidents or violations? That can have an impact on your car insurance premiums. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. $3,232 is the additional cost per year for drivers with a DUI or reckless driving violation in Elk Grove, compared to the city average of $1,738. Accidents happen, even to safe drivers, so be prepared and learn how your rates can change after one. You can expect your yearly car insurance premiums to grow by 57% if you are found at-fault in an accident in Elk Grove.

  • DUI: $4,970
  • Reckless Driving: $4,970
  • At-fault Accident (damages less than $1000): $2,728
  • At-fault Accident (damages greater than $2000): $2,728
  • Speeding Ticket (16-20 mph over speed limit): $2,363

* Credit score, while used in other states, is considered discriminatory in California and thus is not used as a rating factor when companies determine how much you'll pay for auto insurance every year.