Table of contents
How much is car insurance in Elk Grove?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of California are about $5 a month cheaper than the rates drivers pay in Elk Grove.
On the other hand, the expected monthly payments for an auto insurance policy in Elk Grove are below the national average. Auto insurance coverage in Elk Grove is about $19 cheaper than it is for the rest of the U.S.
Bear in mind that while these rates are the average costs for residents of Elk Grove, it doesn't mean that's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But don't worry, we've broken down the average rates for Elk Grove residents based on several different factors so that you can get a more accurate idea of what you might 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can really work in your favor when factored into your car insurance rates. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may rise again in Elk Grove.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Elk Grove, this difference shakes out to about $9 a month. Looking at the table above, you can see that female drivers pay around $56 on average, while male drivers typically pay $65 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Elk Grove with a single accident on their record will usually see rates around $83 a month. Likewise, drivers with one ticket will be looking at a rate of around $126 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$63|
In terms of affordable coverage, the cheapest vehicles to insure in Elk Grove are usually SUVs, at $55 per month.
Car owners can expect to pay an average of around $62 a month for their policy, while truck and van drivers are usually around $57 to insure each month.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Elk Grove, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
On average, those who have settled down into marriage will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Elk Grove follows that pattern, with the difference totaling to around $21 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$89|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $3 a month more than drivers who own property in Elk Grove. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Elk Grove, CA
Recent trends in car insurance for Elk Grove drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.
In Elk Grove, the rates for auto insurance decreased from 2016-2017, where they reached a high of $71, before leveling out in 2018. Insurance rates rose again in 2019, and finished down at $60 in 2021.
How does Elk Grove compare to neighboring areas?
Why are car insurance rates in Elk Grove different from other areas?
There are a variety of factors car insurance companies will consider when choosing how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Community regulations
- Rate of crime
- Total number of drivers in the region
- Off-street parking availability
- Frequency of car accidents
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. 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?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Elk Grove.
Elk Grove Insurance FAQs
What factors affect car insurance quotes in Elk Grove?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Elk Grove different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Elk Grove?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Elk Grove or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?