Compare Elk Grove, CA Car Insurance Rates (2021)

The average annual car insurance rates in Elk Grove, CA are around $3,807 ($317/mo). The cheapest car insurance company in Elk Grove, CA is GEICO, although rates will vary for each person. Elk Grove, CA auto insurance must meet the state minimum requirements with coverage levels of 15/30/5 for liability. Compare Elk Grove, California car insurance rates online to get the best price for you.

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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: Mar 5, 2021

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Here’s What You Need To Know

  • The average annual car insurance rates for Elk Grove, CA are $3,807 ($317/mo)
  • The cheapest car insurance company in Elk Grove, CA is GEICO, and the second cheapest is USAA
  • Elk Grove, CA rates are affected by the traffic that is shared with Stockton as well as Sacramento
  • The average commute time for Elk Grove is 33.8 min

Elk Grove, CA average annual car insurance rates are about $300 above the state average. They are about the same as Stockton rates and about $300 cheaper than Sacramento rates.

You can save on Elk Grove, California car insurance by shopping around, comparing rates, and looking for discounts, and we can help. Below you’ll find information on cheap car insurance in Elk Grove, California for every age, credit history, and driving record.

Ready to find affordable car insurance in Elk Grove, CA? Enter your ZIP code above to get started.

What is the cheapest car insurance company in Elk Grove, CA?

The cheapest car insurance company in Elk Grove, based on average rates, is USAA which offers car insurance only to military affiliates. Progressive offers the second-cheapest rates.

The top car insurance companies in Elk Grove, CA, ranked from cheapest to most expensive are:

  • GEICO – $2,660
  • USAA – $2,708
  • Progressive – $2,722
  • Liberty Mutual – $3,389
  • Travelers – $3,399
  • State Farm – $4,501
  • Nationwide – $4,812
  • Allstate – $4,995
  • Farmers – $5,074

There are a lot of factors that determine your car insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

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What car insurance coverage is required in Elk Grove, CA?

All Elk Grove drivers have to meet the California state law minimum requirements to buy car insurance.

In California, you have to carry at least:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

It’s recommended that most drivers carry more than the state minimum.

What affects car insurance rates in Elk Grove, CA?

Elk Grove is the 30th largest city in California and about a 40 min drive from Stockton and about a 20 min drive from Sacramento. Let’s take a look at how Elk Grove auto insurance rates compare to other cities in California.

Beverly Hills, CA — $6,188 (most expensive)
Stockton, CA — $3,873
Elk Grove, CA — $3,807
Sacramento, CA — $4,099
Los Ranchos, CA — $2,731 (cheapest)

INRIX doesn’t rank Elk Grove or Stockton but does rank Sacramento which is about an hour away.

INRIX ranks Sacramento as the 19th most congested city in the U.S. Elk Grove is north of Stockton and south of Sacramento, so traffic heading to a larger city can affect auto insurance rates.

City-Data reports an average commute time for Elk Grove is 33.8 minutes.

Car theft in Elk Grove also affects rates. The FBI’s most recent annual statistics list 211 car thefts in a city population of 172,620. That’s a rate of 122 cars stolen per 100,000 population.

Elk Grove, CA car Insurance: The Bottom Line

Elk Grove has above-average car insurance rates compared to other cities of its size in California, but you can still save by shopping around and comparing.

Before you buy car insurance in Elk Grove, CA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Elk Grove, CA car insurance quotes.

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