Compare Citrus Heights, CA Car Insurance Rates (2021)

Car insurance in Citrus Heights, CA averages $325 a month. Citrus Heights, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Citrus Heights car insurance rates, compare quotes from the top car insurance companies in Citrus Heights, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Citrus Heights, CA after a DUI are $5,486/year
  • The cheapest car insurance company in Citrus Heights for teen drivers is USAA
  • The cheapest ZIP code in Citrus Heights is 95621

If you need to buy Citrus Heights, California car insurance, the options can be confusing. Everything you need to know about car insurance in Citrus Heights, CA is right here.

You’ll find Citrus Heights car insurance rates, the cheapest Citrus Heights, CA car insurance companies, and information on California car insurance laws. You can also compare Citrus Heights, California car insurance rates to Fresno car insurance rates, Sacramento car insurance rates, and Los Angeles car insurance rates.

Ready to find affordable Citrus Heights, CA car insurance today? Enter your ZIP code for fast, free Citrus Heights car insurance quotes.

Cheapest Citrus Heights, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Citrus Heights, CA car insurance rates? Every Citrus Heights, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Citrus Heights, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,076 $3,074 $2,237 $2,250 $8,488 $10,662 $3,894 $4,252
Farmers $3,109 $3,109 $2,815 $2,815 $9,906 $16,137 $3,684 $4,103
GEICO $1,740 $1,741 $1,637 $1,637 $5,285 $5,368 $2,498 $2,550
Liberty Mutual $2,464 $2,330 $2,283 $2,212 $5,301 $5,663 $2,773 $2,806
Nationwide $3,388 $3,232 $2,985 $2,810 $8,632 $9,548 $4,045 $3,982
Progressive $1,691 $1,738 $1,458 $1,719 $4,557 $5,462 $2,448 $2,627
State Farm $3,721 $3,721 $3,326 $3,326 $6,888 $8,561 $4,119 $4,244
Travelers $2,635 $2,548 $2,324 $2,300 $5,496 $6,247 $3,424 $3,353
USAA $2,023 $1,914 $1,972 $1,978 $4,634 $4,650 $2,787 $2,633

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Minimum Car Insurance in Citrus Heights, CA

Every driver must carry the minimum car insurance in Citrus Heights, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Citrus Heights, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Citrus Heights, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Citrus Heights, CA to rates for a clean record with top companies.

Annual Citrus Heights, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,862 $4,783 $7,570 $3,751
Farmers $4,229 $5,751 $7,152 $5,707
GEICO $1,962 $3,031 $3,801 $2,434
Liberty Mutual $2,802 $3,755 $3,390 $2,970
Nationwide $3,365 $4,321 $7,304 $4,321
Progressive $1,772 $3,024 $3,500 $2,554
State Farm $3,384 $4,034 $7,610 $3,925
Travelers $2,352 $3,857 $4,474 $3,480
USAA $1,875 $2,795 $4,572 $2,054

Cheapest Citrus Heights, CA Car Insurance for Teen Drivers

Teen car insurance in Citrus Heights, CA can be expensive. Take a look at rates from the top car insurance companies in Citrus Heights for teenagers.

Annual Car Insurance Rates for Teen Drivers in Citrus Heights, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,488 $10,662
Farmers $9,906 $16,137
GEICO $5,285 $5,368
Liberty Mutual $5,301 $5,663
Nationwide $8,632 $9,548
Progressive $4,557 $5,462
State Farm $6,888 $8,561
Travelers $5,496 $6,247
USAA $4,634 $4,650

Cheapest Citrus Heights, CA Car Insurance for Seniors

Take a look at Citrus Heights, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Citrus Heights, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,237 $2,250
Farmers $2,815 $2,815
GEICO $1,637 $1,637
Liberty Mutual $2,283 $2,212
Nationwide $2,985 $2,810
Progressive $1,458 $1,719
State Farm $3,326 $3,326
Travelers $2,324 $2,300
USAA $1,972 $1,978

Cheapest Citrus Heights, CA Car Insurance Rates After a DUI

A DUI in Citrus Heights, CA increases car insurance rates. Compare Citrus Heights, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Citrus Heights, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,570
Farmers $7,152
GEICO $3,801
Liberty Mutual $3,390
Nationwide $7,304
Progressive $3,500
State Farm $7,610
Travelers $4,474
USAA $4,572

Cheapest Citrus Heights, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Citrus Heights, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Citrus Heights, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,263 $5,221
Farmers $5,179 $6,241
GEICO $2,550 $3,065
Liberty Mutual $2,963 $3,495
Nationwide $4,266 $5,390
Progressive $2,460 $2,964
State Farm $4,564 $4,912
Travelers $3,184 $3,898
USAA $2,601 $3,046

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Cheapest Citrus Heights, CA Car Insurance Rates by ZIP Code

Citrus Heights car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Citrus Heights, CA.

Annual Car Insurance Rates by ZIP Code in Citrus Heights, California

ZIP Code Average Annual Rates
95610 $5,378
95621 $5,320

The Best Cheap Car Insurance Companies in Citrus Heights, CA

Take a look at a side-by-side comparison of the top car insurance companies in Citrus Heights, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Citrus Heights, California

Insurance Company Average Annual Rates
Allstate $4,742
Farmers $5,710
GEICO $2,807
Liberty Mutual $3,229
Nationwide $4,828
Progressive $2,712
State Farm $4,738
Travelers $3,541
USAA $2,824

Category Winners: Cheapest Car Insurance in Citrus Heights, California

Find the cheapest car insurance companies in Citrus Heights, CA for each category right here.

Best Annual Car Insurance Rates by Company in Citrus Heights, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record Progressive
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Cheapest Citrus Heights, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Citrus Heights car insurance rates. Find the cheapest Citrus Heights, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Citrus Heights, California

Insurance Company Low Medium High
Allstate $4,436 $4,790 $4,999
Farmers $5,281 $5,759 $6,089
GEICO $2,521 $2,842 $3,059
Liberty Mutual $3,000 $3,257 $3,430
Nationwide $4,279 $4,922 $5,282
Progressive $2,387 $2,804 $2,946
State Farm $4,223 $4,829 $5,163
Travelers $3,063 $3,641 $3,918
USAA $2,538 $2,883 $3,050

What affects car insurance rates in Citrus Heights, California?

What factors can have an impact on Citrus Heights, CA car insurance? There are several reasons why Citrus Heights car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Citrus Heights, California.

Car Theft in Citrus Heights

High levels of vehicle theft can make car insurance more expensive. Citrus Heights, CA car theft statistics from the FBI indicate 329 vehicle thefts a year.

Commute Time in Citrus Heights

The more time you spend in your car the higher the risk of an accident. The average commute length in Citrus Heights, CA is 26.9 minutes according to City-Data.

Compare Car Insurance Quotes in Citrus Heights, CA

Ready to find affordable Citrus Heights, California car insurance today? Enter your ZIP code for fast, free Citrus Heights, CA car insurance quotes.

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Average Monthly Car Insurance Rates by State