The Cheapest Auto Insurance Companies in Roseville, California, in 2026
In Roseville, the cheapest auto insurance company is USAA, with an average premium of $79 per month.
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Written byCharlie Hope D'Anieri
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Charlie Hope D'AnieriInsurance Writer
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Edited byBecky Helzer
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Becky HelzerEditor
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Reviewed byDavid C. Marlett, Ph.D., CPCU
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David C. Marlett, Ph.D., CPCUExpert Reviewer, Insurance
Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
Updated
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Key Takeaways
USAA and Aspire General are among the cheapest car insurance companies in Roseville, California, with prices starting at $79 per month.
A liability policy costs Roseville drivers $95 per month, on average, while full coverage costs $180, on average.
GEICO, Travelers, and Allstate are some of our top picks for Roseville auto insurance.
Cheapest Car Insurance in Roseville by Driver and Coverage Type
When setting your car insurance premium, companies estimate your likelihood of getting into an accident and filing a claim. Insurers consider your age, driving record, ZIP code, credit history, and other factors when calculating rates.[1]
To estimate the premiums you’ll pay, it’s helpful to compare companies and look at the average premiums for drivers with similar characteristics and coverage needs.
The table below lists the cheapest car insurers in Roseville for various driver profiles and coverage types, according to Compare.com data.
Driver or Coverage Type  | Cheapest Insurer |
|---|---|
| State-minimum coverage | USAA |
| Full coverage | Aspire General |
| Teens | USAA |
| Seniors | USAA |
| Drivers with a speeding ticket | USAA |
| Drivers with an at-fault accident | USAA |
| Drivers with a DUI | USAA |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
The Overall Cheapest Car Insurance in Roseville
The following table shows the cheapest car insurance companies in Roseville and each company’s average monthly premiums, according to Compare.com data. But keep in mind that your rates depend on the kind of car you drive and your driving history.
The below rates in Roseville, CA, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| USAA | $79 |
| Aspire General | $82 |
| National General | $87 |
| Sun Coast | $87 |
| GEICO | $89 |
| Mercury | $90 |
| Dairyland | $94 |
| Root | $106 |
| Allstate | $108 |
| Farmers | $111 |
| Direct Auto | $113 |
| Anchor | $114 |
| Bristol West | $120 |
| Kemper Special | $120 |
| State Farm | $120 |
| Travelers | $126 |
| Kemper Rsvp | $134 |
| 21st Century | $138 |
| Nationwide | $170 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Tuesday, April 21 at 5:00 PM PDT.
Estimated Cost: $186 per month
Category | Price |
|---|---|
| $77 | 3.9% |
| $96 | 5.3% |
| $115 | 7.0% |
| $133 | 7.9% |
| $152 | 7.9% |
| $171 | 8.4% |
| $189 | 8.0% |
| $208 | 7.1% |
| $227 | 6.8% |
| $245 | 6.1% |
| $264 | 5.2% |
| $283 | 4.8% |
| $301 | 4.0% |
| $320 | 3.7% |
| $339 | 3.3% |
| $357 | 2.7% |
| $376 | 2.5% |
| $395 | 2.1% |
| $413 | 1.8% |
| $432 | 1.6% |
40.3% of drivers like you pay less for car insurance. Compare quotes to save up to $1308 per year.
We sourced the figures you see here from Compare.com's database of more than 58 million real-life car insurance quotes. Actual rates may vary based on your unique driver profile.
Cheapest Liability Car Insurance in Roseville: USAA
Liability insurance pays for others’ injuries and property damage if you cause an accident.
In Roseville, liability-only insurance costs $95 per month, on average.
If you have an older car without a loan, liability-only coverage may be sufficient. But without personal injury protection (PIP) or uninsured/underinsured motorist coverage (UM/UIM), you might face significant out-of-pocket expenses if you’re in an accident.
The chart below lists the companies offering the cheapest liability-only insurance in Roseville, according to Compare.com data.
The below rates in Roseville, CA, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Cheapest Liability Rates by Company
Company | Average Monthly Premium |
|---|---|
| USAA | $79 |
| Aspire General | $82 |
| National General | $87 |
| Sun Coast | $87 |
| GEICO | $89 |
| Mercury | $90 |
| Dairyland | $94 |
| Root | $106 |
| Allstate | $108 |
| Farmers | $111 |
| Direct Auto | $113 |
| Anchor | $114 |
| Bristol West | $120 |
| Kemper Special | $120 |
| State Farm | $120 |
| Travelers | $126 |
| Kemper Rsvp | $134 |
| 21st Century | $138 |
| Nationwide | $170 |
How much car insurance is required in Roseville?
All California drivers need to have insurance for each vehicle they drive. You can self-insure if you have $75,000 in cash or a surety bond to deposit with the State of California Department of Motor Vehicles.[2]
Otherwise, you’ll need a car insurance policy that meets these state-minimum liability requirements:
Bodily injury liability: $30,000 per person and $60,000 per accident
Property damage liability: $15,000 per accident
UM/UIM coverage pays if a driver without adequate insurance hits you. While this coverage isn’t required in California, insurers are required to offer it with every insurance policy.[3] You’ll have to sign a waiver if you decline it.
Cheapest Full-Coverage Car Insurance in Roseville: Aspire General
Full-coverage insurance includes liability coverage plus comprehensive and collision. Collision coverage pays to repair your vehicle after an accident, while comprehensive coverage pays for non-collision incidents, such as theft, vandalism, and weather-related damage.
Most drivers need full coverage for the greatest protection. If you finance or lease your car, your lender will require you to have a full-coverage policy to protect their interests.[4]
In Roseville, full coverage averages $180 per month, according to Compare.com data.
The companies listed in the chart below offer some of the cheapest full-coverage insurance in Roseville.
The below rates in Roseville, CA, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Cheapest Full-Coverage Rates by Company
Company | Average Monthly Premium |
|---|---|
| Aspire General | $154 |
| Root | $175 |
| Mercury | $185 |
| USAA | $185 |
| GEICO | $188 |
| Kemper Special | $212 |
| Kemper Rsvp | $216 |
| Sun Coast | $219 |
| Anchor | $224 |
| Dairyland | $230 |
| National General | $247 |
| Allstate | $254 |
| Farmers | $261 |
| Bristol West | $278 |
| State Farm | $283 |
| Direct Auto | $292 |
| Travelers | $297 |
| 21st Century | $324 |
| Nationwide | $398 |
Cheapest Car Insurance for Teen Drivers: USAA
Teenagers are in more car crashes than any other age group.[5] Because of this higher accident risk, insurance companies charge teen drivers higher rates. But many insurers offer discounts to good students or those who take a driver’s education course.
While teens in Roseville pay an average of $251 per month for insurance, you can save money by adding your young driver to your family policy.
The table below highlights the cheapest insurance companies for teens in Roseville, based on Compare.com data.
The below rates in Roseville, CA, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Cheapest Rates for Teens
Company | Average Monthly Premium |
|---|---|
| USAA | $147 |
| Aspire General | $151 |
| Sun Coast | $160 |
| GEICO | $162 |
| Dairyland | $165 |
| Mercury | $166 |
| National General | $175 |
| Root | $186 |
| Bristol West | $214 |
| Allstate | $215 |
| Anchor | $218 |
| Kemper Special | $220 |
| Direct Auto | $221 |
| Farmers | $223 |
| State Farm | $234 |
| Kemper Rsvp | $246 |
| 21st Century | $250 |
| Travelers | $264 |
| Nationwide | $334 |
Compare Real-Time Car Insurance Quotes in Roseville, California
Rates in Roseville start at $79 per month.
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Cheapest Car Insurance for Senior Drivers: USAA
With the most experience on the road, seniors enjoy the cheapest car insurance rates.[6] The average monthly premium for drivers in their 60s is $124, according to Compare.com data.
If you’re a senior, don’t waste this advantage. Insurance companies might even compete for your business. The companies in the chart below offer some of the lowest rates for seniors in Rosevile, according to Compare.com data.
The below rates in Roseville, CA, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Cheapest Rates for Seniors
Company | Average Monthly Premium |
|---|---|
| USAA | $66 |
| National General | $70 |
| GEICO | $73 |
| Mercury | $74 |
| Aspire General | $74 |
| Sun Coast | $79 |
| Dairyland | $82 |
| Allstate | $90 |
| Farmers | $91 |
| Root | $91 |
| Direct Auto | $95 |
| Anchor | $96 |
| State Farm | $97 |
| Bristol West | $103 |
| Travelers | $104 |
| Kemper Special | $109 |
| 21st Century | $112 |
| Kemper Rsvp | $122 |
| Nationwide | $134 |
The Cheapest Car Insurance for Drivers by Driving Record
Car insurance companies review your driving record when you apply for coverage. If you have an at-fault accident, traffic violation, or driving under the influence (DUI) conviction, your rates will increase when your policy renews.
Insurers view these driving behaviors as signs that you’re a high-risk driver. That’s why it’s important to shop around and get several quotes to find affordable insurance.
The table below shows the cheapest insurers in Roseville for drivers with a recent ticket, at-fault accident, or DUI, according to Compare.com data.
The below rates in Roseville, CA, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| USAA | $102 |
| Aspire General | $103 |
| National General | $109 |
| Sun Coast | $110 |
| GEICO | $117 |
| Dairyland | $117 |
| Mercury | $125 |
| Allstate | $141 |
| Root | $142 |
| Anchor | $142 |
| Direct Auto | $143 |
| Farmers | $143 |
| Kemper Special | $151 |
| Bristol West | $152 |
| State Farm | $153 |
| Travelers | $164 |
| Kemper Rsvp | $169 |
| 21st Century | $182 |
| Nationwide | $221 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Tuesday, April 21 at 5:00 PM PDT.
The below rates in Roseville, CA, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| Aspire General | $103 |
| USAA | $104 |
| Sun Coast | $109 |
| National General | $113 |
| GEICO | $114 |
| Dairyland | $121 |
| Mercury | $132 |
| Root | $139 |
| Allstate | $141 |
| Anchor | $144 |
| Farmers | $145 |
| Direct Auto | $150 |
| Kemper Special | $151 |
| Bristol West | $154 |
| State Farm | $155 |
| Travelers | $166 |
| Kemper Rsvp | $168 |
| 21st Century | $183 |
| Nationwide | $224 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Tuesday, April 21 at 5:00 PM PDT.
The below rates in Roseville, CA, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| Aspire General | $108 |
| USAA | $109 |
| Sun Coast | $114 |
| National General | $120 |
| GEICO | $122 |
| Dairyland | $129 |
| Mercury | $131 |
| Root | $147 |
| Allstate | $149 |
| Farmers | $153 |
| Direct Auto | $155 |
| Kemper Special | $158 |
| Anchor | $159 |
| Bristol West | $165 |
| State Farm | $165 |
| Travelers | $173 |
| Kemper Rsvp | $176 |
| 21st Century | $182 |
| Nationwide | $234 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Tuesday, April 21 at 5:00 PM PDT.
How to Get the Cheapest Car Insurance in Roseville
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It’s a good idea to look for the best coverage at a price that fits your budget. Follow these steps to lower your car insurance premiums in Roseville.
Adjust your coverage. Consider raising your deductibles or dropping coverages you don’t need, like rental reimbursement or roadside assistance.
Ask about discounts. Many insurers offer car insurance discounts for bundling coverage, completing a defensive driving course, or paying the policy in full.
Maintain a clean driving record. Insurers offer the lowest rates to drivers without tickets or accidents on their record.
Shop around. Compare quotes from several insurers to find the best coverage and rates.
Our Picks for the Best Auto Insurance in Roseville
No single insurer is the best for everyone. Depending on the drivers in your household and your coverage needs, one insurer might stand out over another.
We chose the following companies as the best car insurers in Roseville based on a combination of factors. We considered each company’s available discounts, financial stability, coverage options, and customer satisfaction rankings.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $89/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $188/mo |
3.9
A solid optionBased on 665 verified guest reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about GEICO
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
AI-generated from the text of verified reviews collected by Compare.com
Showing 6 California reviews for Roseville driversSee all 271 GEICO reviews
Verified Review
Reviewed in California on February 23, 2026
Great! I love the company I'm with now. They are way cheaper than GEICO for the exact same coverage.
Verified Review
Reviewed in California on January 18, 2026
I'm 81 years old and I don't understand why I'm paying so much for my insurance policy when they keep telling me I can get it for like $39. I'll be looking into it because I just don't feel that I have to pay the amount of money I pay per year. We don't drive that much, so there's no reason to pay that much money.
Verified Review
Reviewed in California on December 15, 2025
I am disappointed because I had never been involved in a car accident or filed a claim until a few months ago. The accident was not my fault, as stated in the police report, yet my insurance premium increased by almost $26. I pay my insurance every month, and when I finally needed to use it, they decided to raise my rate.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
626NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers some of the most affordable rates in Roseville. The insurer has great perks for families with teen drivers. Kids in high school or college with a B+ average can earn a 15% good student discount. Driver training or having a student away at school can also reduce your premium.
Besides discounts for teens, GEICO offers 21 other discounts and a Superior (A++) AM Best financial strength rating.
| User Reviews | 4.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $126/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $297/mo |
4.9
Best choiceBased on 67 verified guest reviews and ratings
Travelers's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 4.0 | 2.9 |
How drivers feel about Travelers
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 27 Travelers reviews
Verified Review
Reviewed in Georgia on January 8, 2026
I have only experienced the renewal costs since I have not had any claims or extensive coverage changes. The agent is okay, but there's not much contact, either verbally or in writing.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
If policy customization is a priority, Travelers is a good option to consider. Travelers offers new car replacement coverage, which pays to replace your car with a new one if you total it within your first five years of ownership. Although it receives fewer complaints than expected for a company of its size, it scores lower than its competitors in claims and customer satisfaction.[9]
Pros
Many available discounts
24/7 customer support
Superior (A++) financial strength rating
Cons
Below-average customer service rating
More expensive than some competitors
Below-average claims satisfaction
| User Reviews | 3.7 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $108/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $254/mo |
3.7
A solid optionBased on 468 verified guest reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.4 | 2.9 |
How drivers feel about Allstate
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 180 Allstate reviews
Verified Review
Reviewed in North Carolina on April 20, 2026
Quick response to claims inquiry. Premium creep is fast and furious.
Verified Review
Reviewed in Maryland on April 10, 2026
I've been with Allstate since I was 17. I am now 79 and have both auto and home insurance with them. I have never caused an accident. I have only made one claim when a deer ran into the side of my car and dented it. They charge me about $1600 every 6 months for auto and over $1,000 a year for homeowners. That's much too high.
Verified Review
Reviewed in Texas on April 8, 2026
I am not getting a fair deal financially with Allstate for both car and house insurance.
…
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
634NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
If you commute from Roseville to Sacramento, you may want to check out Allstate’s telematics program, which rewards safe driving. The company also offers gap insurance to cover the difference between your car’s value and your loan amount if you total your car.
While Allstate has an A+ (Superior) AM Best financial strength rating and competitive rates, it scores fairly low in J.D. Power’s customer service and claims satisfaction studies.
Pros
Accident forgiveness available
Highly rated mobile app
Many available discounts
Cons
Below-average customer service ratings
Low Better Business Bureau (BBB) rating[10]
Below-average auto claims satisfaction ratings
Roseville Auto Insurance FAQs
Here are common questions and answers to help you choose an insurance company with confidence as you shop for auto insurance in Roseville.
How much is car insurance in Roseville?
Drivers in Roseville pay an average of $137 per month for car insurance, based on Compare.com data. A liability-only policy averages $95 per month, and full coverage costs an average of $180 per month.
What’s the cheapest auto insurance company in Roseville?
USAA has the cheapest car insurance, on average, in Roseville. Liability-only coverage averages $79 per month, according to Compare.com data.
What’s the best car insurance company in Roseville?
The best company for you depends on your coverage needs and budget. But our top picks for drivers in Roseville include Allstate, Travelers, and GEICO.
Is car insurance in Roseville expensive?
Not particularly. But a variety of factors determine your car insurance rate, including your age, ZIP code, driving history, vehicle type, and coverage. In Roseville, car insurance costs an average of $137 per month, compared to the state average of $142. California auto insurance rates are higher than the national average of $140 per month.
Is minimum coverage enough in Roseville?
It depends. If your car has a low replacement value or you can afford to pay for repairs out of pocket, state minimum liability coverage may be enough.
But most experts recommend higher liability limits. If you cause an accident that seriously injures someone or totals their vehicle, state-minimum coverage may not be enough to pay for the damage.
What company has the cheapest auto insurance in CA?
USAA offers the cheapest auto insurance in California. Its monthly rates average $81, according to Compare.com data.
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- State of California Department of Motor Vehicles. "Financial Responsibility (Insurance) Requirements for Vehicle Registration."
- Ca.gov. "Automobile Insurance Text Version."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- National Safety Council. "Overview: Age of Driver."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- Jdpower.com. "2025 U.S. Auto Claims Satisfaction Study."
- Ambest.com. "AM Best Affirms Credit Ratings of Members of GEICO."
- Naic.org. "Consumer Insurance Refined Search Results."
- Better Business Bureau. "Allstate Insurance."
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Milpitas, CA Car Insurance
The average cost for car insurance in Milpitas is about $49 a month. To find out more check out our guide below.
Laguna Niguel, CA Car Insurance
Laguna Niguel drivers pay, on average, around $55 a month for their car insurance. We cover plan rates, policies and more in our guide below.
Woodland, CA Car Insurance
Drivers in Woodland pay around $44 a month for their car insurance. We cover plan rates, policies and more in our guide below.
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Santa Clara, CA Car Insurance
Santa Clara drivers pay, on average, around $50 a month for their car insurance. Read our guide below to learn more about your specific rates.
Watsonville, CA Car Insurance
Watsonville drivers pay, on average, around $48 a month for their car insurance. Learn more in our handy guide below.
San Luis Obispo, CA Car Insurance
San Luis Obispo drivers pay, on average, around $51 a month for their car insurance. To learn more about car insurance rates in the San Luis Obispo area, read our guide below.
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Pittsburg, CA Car Insurance
Residents of Pittsburg pay, on average, about $53 per month for car insurance. For more information refer to our guide below.
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Cypress, CA Car Insurance
On average, drivers in Cypress pay around $56 per month for their car insurance. Check out our guide below to find out how much you'll pay.
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Tulare, CA Car Insurance
The average monthly cost for car insurance in Tulare is about $48. To learn more about car insurance rates in the Tulare area, read our guide below.
Santa Cruz, CA Car Insurance
Santa Cruz drivers pay, on average, around $45 a month for their car insurance. To find out more check out our guide below.
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El Cerrito, CA Car Insurance
Residents of El Cerrito pay, on average, about $52 per month for car insurance. Read our guide below to learn more about your specific rates.
Adelanto, CA Car Insurance
Drivers in Adelanto pay, on average, $53 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
Ridgecrest, CA Car Insurance
The average monthly cost for car insurance in Ridgecrest is about $45. Read our guide below to learn more about your specific rates.
Thousand Oaks, CA Car Insurance
Drivers in Thousand Oaks pay around $55 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
Brentwood, CA Car Insurance
On average, Brentwood drivers pay around $60 a month for their car insurance. We cover plan rates, policies and more in our guide below.
Cathedral City, CA Car Insurance
The average cost for car insurance in Cathedral City is about $44 a month. To learn more about what you're likely to pay in the Cathedral City area, read our guide below.
Dublin, CA Car Insurance
On average, Dublin drivers pay a monthly average rate of around $46 for their car insurance. Check out our guide below to find out how much you'll pay.
Winnetka, CA Car Insurance
Winnetka drivers pay, on average, around $73 a month for their car insurance. Check out our guide below to find out how much you'll pay.
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The Cheapest Auto Insurance Companies in Stockton, California, in 2026
USAA generally offers the lowest car insurance rates in Stockton, but rates can fluctuate based on factors like your neighborhood, driving history, and policy options.
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Compton, CA Car Insurance
On average, drivers in Compton pay around $66 per month for their car insurance. For more information refer to our guide below.
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The Cheapest Auto Insurance Companies in Santa Barbara, California, in 2026
USAA beats other insurers on price in Santa Barbara, although your specific situation — including your age, address, driving record, and credit — ultimately determines what you’ll pay.
Chino Hills, CA Car Insurance
On average, drivers in Chino Hills pay around $58 per month for their car insurance. For more information refer to our guide below.
Reseda, CA Car Insurance
The average monthly cost for car insurance in Reseda is about $80. To learn more about policy rates and coverage in the Reseda area, continue reading our guide below.
San Clemente, CA Car Insurance
On average, San Clemente drivers pay a monthly average rate of around $53 for their car insurance. We cover plan rates, policies and more in our guide below.
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La Puente, CA Car Insurance
Residents of La Puente pay, on average, about $56 per month for car insurance. We cover plan rates, policies and more in our guide below.
Torrance, CA Car Insurance
Drivers in Torrance pay, on average, $58 a month for their car insurance. To learn more about what you're likely to pay in the Torrance area, read our guide below.
Fountain Valley, CA Car Insurance
The average cost for car insurance in Fountain Valley is about $61 a month. Check out our guide below to find out how much you'll pay.
Vista, CA Car Insurance
Drivers in Vista pay, on average, $49 a month for their car insurance. To find out more check out our guide below.
Lodi, CA Car Insurance
The average cost for car insurance in Lodi is about $47 a month. We cover plan rates, policies and more in our guide below.
Campbell, CA Car Insurance
The average monthly cost for car insurance in Campbell is about $47. For more information refer to our guide below.
Hemet, CA Car Insurance
Drivers in Hemet pay, on average, $49 a month for their car insurance. To learn more about policy rates and coverage in the Hemet area, continue reading our guide below.
Hollister, CA Car Insurance
Residents of Hollister pay around $47 monthly for their car insurance coverage. For more information refer to our guide below.
National City, CA Car Insurance
Residents of National City pay, on average, about $49 per month for car insurance. To find out more check out our guide below.
Santee, CA Car Insurance
Drivers in Santee pay, on average, $49 a month for their car insurance. To learn more about car insurance rates in the Santee area, read our guide below.
Pacifica, CA Car Insurance
On average, Pacifica drivers pay a monthly average rate of around $49 for their car insurance. To learn more about what you're likely to pay in the Pacifica area, read our guide below.
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The Cheapest Auto Insurance Companies in San Bernardino, California, in 2026
The average San Bernardino driver pays more than the national average for car insurance, but companies like USAA often have much cheaper rates.
Covina, CA Car Insurance
Residents of Covina pay, on average, about $60 per month for car insurance. Read our guide below to learn more about your specific rates.
Irvine, CA Car Insurance
Residents of Irvine pay, on average, about $56 per month for car insurance. To find out more check out our guide below.
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West Hollywood, CA Car Insurance
On average, West Hollywood drivers pay a monthly average rate of around $74 for their car insurance. Read our guide below to learn more about your specific rates.
Concord, CA Car Insurance
Drivers in Concord pay, on average, $52 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
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The Cheapest Auto Insurance Companies in Berkeley, California, in 2026
USAA has the cheapest average rates in Berkeley, but your exact rates will vary based on your driving profile.
Colton, CA Car Insurance
Residents of Colton pay around $53 monthly for their car insurance coverage. For information on policy rates, coverage, and more check out our guide below.
Lake Forest, CA Car Insurance
Lake Forest drivers pay, on average, around $54 a month for their car insurance. Read our guide below to learn more about your specific rates.
Fairfield, CA Car Insurance
Drivers in Fairfield pay around $52 a month for their car insurance. To learn more about policy rates and coverage in the Fairfield area, continue reading our guide below.
Saratoga, CA Car Insurance
On average, drivers in Saratoga pay around $48 per month for their car insurance. We cover plan rates, policies and more in our guide below.
Studio City, CA Car Insurance
Residents of Studio City pay, on average, about $81 per month for car insurance. Check out our guide below to find out how much you'll pay.
Santa Clarita, CA Car Insurance
The average cost for car insurance in Santa Clarita is about $64 a month. To learn more about what you're likely to pay in the Santa Clarita area, read our guide below.
Folsom, CA Car Insurance
The average monthly cost for car insurance in Folsom is about $55. Check out our guide below to find out how much you'll pay.
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The Cheapest Auto Insurance Companies in San Jose, California, in 2026
USAA has the cheapest auto insurance in San Jose. But how much you pay may vary based on several personal factors.
Norwalk, CA Car Insurance
Norwalk drivers pay, on average, around $61 a month for their car insurance. Read our guide below to learn more about your specific rates.
Elk Grove, CA Car Insurance
Drivers in Elk Grove pay around $60 a month for their car insurance. Read our guide below to learn more about your specific rates.
Petaluma, CA Car Insurance
On average, drivers in Petaluma pay around $50 per month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
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The Cheapest Auto Insurance Companies in Santa Ana, California, in 2026
USAA offers the lowest rates in Santa Ana, but your personal costs will vary based on your age, driving record, and other factors.
San Mateo, CA Car Insurance
On average, drivers in San Mateo pay around $47 per month for their car insurance. To learn more about car insurance rates in the San Mateo area, read our guide below.
Chico, CA Car Insurance
The average monthly cost for car insurance in Chico is about $46. To learn more about car insurance rates in the Chico area, read our guide below.
Newport Beach, CA Car Insurance
Residents of Newport Beach pay around $54 monthly for their car insurance coverage. For more information refer to our guide below.
Napa, CA Car Insurance
The average monthly cost for car insurance in Napa is about $49. For information on policy rates, coverage, and more check out our guide below.
Antioch, CA Car Insurance
Drivers in Antioch pay around $55 a month for their car insurance. To learn more about policy rates and coverage in the Antioch area, continue reading our guide below.
Glendale, CA Car Insurance
The average monthly cost for car insurance in Glendale is about $79. We cover plan rates, policies and more in our guide below.
Aliso Viejo, CA Car Insurance
The average cost for car insurance in Aliso Viejo is about $53 a month. To learn more about what you're likely to pay in the Aliso Viejo area, read our guide below.
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The Cheapest Auto Insurance Companies in Anaheim, California, in 2026
If you’re looking for the cheapest car insurance in Anaheim, USAA offers the lowest average rates. But your actual cost depends on factors like age, ZIP code, driving history, and coverage level.
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The Cheapest Auto Insurance Companies in Oakland, California, in 2026
USAA offers the cheapest average rates in Oakland, but your personal costs will depend on several key factors.
La Quinta, CA Car Insurance
On average, La Quinta drivers pay around $48 a month for their car insurance. For more information refer to our guide below.
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The Cheapest Auto Insurance Companies in Riverside, California, in 2026
We found that USAA is the cheapest car insurance company in Riverside. But the exact cost of coverage depends on things like your driving record and age.
Walnut, CA Car Insurance
The average monthly cost for car insurance in Walnut is about $65. Learn more in our handy guide below.
Rancho Cucamonga, CA Car Insurance
Residents of Rancho Cucamonga pay around $55 monthly for their car insurance coverage. To find out more check out our guide below.
Bell Gardens, CA Car Insurance
The average cost for car insurance in Bell Gardens is about $56 a month. To find out more check out our guide below.
Visalia, CA Car Insurance
Residents of Visalia pay, on average, about $45 per month for car insurance. To find out more check out our guide below.
Orange, CA Car Insurance
Orange drivers pay, on average, around $55 a month for their car insurance. To find out more check out our guide below.
Inglewood, CA Car Insurance
On average, Inglewood drivers pay around $66 a month for their car insurance. Read our guide below to learn more about your specific rates.
South San Francisco, CA Car Insurance
On average, South San Francisco drivers pay a monthly average rate of around $52 for their car insurance. We cover plan rates, policies and more in our guide below.
Norco, CA Car Insurance
Residents of Norco pay around $58 monthly for their car insurance coverage. To learn more about policy rates and coverage in the Norco area, continue reading our guide below.
Santa Rosa, CA Car Insurance
Santa Rosa drivers pay, on average, around $48 a month for their car insurance. To learn more about car insurance rates in the Santa Rosa area, read our guide below.
Ontario, CA Car Insurance
Drivers in Ontario pay, on average, $55 a month for their car insurance. To learn more about what you're likely to pay in the Ontario area, read our guide below.
San Diego, CA Car Insurance
On average, drivers in San Diego pay around $49 per month for their car insurance. Check out our guide below to find out how much you'll pay.
Richmond, CA Car Insurance
Residents of Richmond pay, on average, about $58 per month for car insurance. To learn more about policy rates and coverage in the Richmond area, continue reading our guide below.
Oxnard, CA Car Insurance
On average, Oxnard drivers pay around $51 a month for their car insurance. Check out our guide below to find out how much you'll pay.
Northridge, CA Car Insurance
The average monthly cost for car insurance in Northridge is about $76. We cover plan rates, policies and more in our guide below.
Lathrop, CA Car Insurance
On average, Lathrop drivers pay around $45 a month for their car insurance. Learn more in our handy guide below.
Azusa, CA Car Insurance
Drivers in Azusa pay around $61 a month for their car insurance. To learn more about policy rates and coverage in the Azusa area, continue reading our guide below.
Novato, CA Car Insurance
Drivers in Novato pay around $51 a month for their car insurance. To learn more about policy rates and coverage in the Novato area, continue reading our guide below.
Palo Alto, CA Car Insurance
Palo Alto drivers pay, on average, around $51 a month for their car insurance. To learn more about policy rates and coverage in the Palo Alto area, continue reading our guide below.
West Sacramento, CA Car Insurance
On average, West Sacramento drivers pay a monthly average rate of around $53 for their car insurance. Learn more in our handy guide below.
Cerritos, CA Car Insurance
The average cost for car insurance in Cerritos is about $62 a month. To learn more about what you're likely to pay in the Cerritos area, read our guide below.
Palm Springs, CA Car Insurance
Palm Springs drivers pay, on average, around $44 a month for their car insurance. For more information refer to our guide below.
San Pedro, CA Car Insurance
On average, drivers in San Pedro pay around $61 per month for their car insurance. To learn more about policy rates and coverage in the San Pedro area, continue reading our guide below.
Burbank, CA Car Insurance
On average, drivers in Burbank pay around $66 per month for their car insurance. Check out our guide below to find out how much you'll pay.
La Mesa, CA Car Insurance
On average, La Mesa drivers pay a monthly average rate of around $48 for their car insurance. To learn more about what you're likely to pay in the La Mesa area, read our guide below.
San Leandro, CA Car Insurance
The average cost for car insurance in San Leandro is about $53 a month. To learn more about car insurance rates in the San Leandro area, read our guide below.
San Marcos, CA Car Insurance
Drivers in San Marcos pay around $48 a month for their car insurance. Learn more in our handy guide below.
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Learn more about us, our team, and what makes us tick.
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Charlie Hope D'AnieriInsurance Writer
Becky HelzerEditor
David C. Marlett, Ph.D., CPCUExpert Reviewer, Insurance
Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter