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How much is car insurance in Elk Grove?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $4 a month more expensive to insure your vehicle in Elk Grove than it is in the rest of California.
However, car insurance rates in Elk Grove are more affordable than the national average. You can expect to pay about $21 less for your policy in Elk Grove than in the rest of U.S.
Bear in mind that while these are the average car insurance rates for Elk Grove, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
But worry not, we've done the heavy lifting and broken down the average rate for Elk Grove to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay $42 more than drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, your rates may rise again in Elk Grove.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Elk Grove, the difference comes out to about $8 a month. As you can see in the table above, male drivers in the area typically pay $64 on average, while female drivers typically pay $56 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Elk Grove, a driving record with a single accident will usually get you a rate around $78 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $86.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$60|
|15 Years or Older||$63|
In Elk Grove, the cheapest vehicles to insure are typically SUVs, with drivers paying around $54 per month to insure their vehicle.
Truck and van drivers will see rates of about $56 for auto insurance coverage, while car owners usually pay around $61 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old however, your rates may start to dip back down a bit. In Elk Grove, the most expensive vehicles to insure are vehicles fifteen years and older and eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
More often than not, those who have settled down into marriage will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Elk Grove is no exception, with the difference totaling to around $20 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$88|
Another factor taken into consideration is your housing status. If you rent your home or apartment in Elk Grove, expect to pay around $3 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Elk Grove, CA
Recent trends in car insurance for Elk Grove drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The rates for car insurance in Elk Grove have been mixed as of late, they decreased in 2017, increased in 2019, and fell again in 2021, before finishing at $51 in 2022.
How does Elk Grove compare to neighboring areas?
Why are car insurance rates in Elk Grove different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Rate of car accidents
- Local regulations
- Total drivers
- Amount of off-street parking
- Prevalence of crime
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Elk Grove?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer policies in Elk Grove.
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Elk Grove Insurance FAQs
What factors affect car insurance quotes in Elk Grove?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Elk Grove different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Elk Grove?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Elk Grove?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Elk Grove or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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