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How much is car insurance in Roseville?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Roseville are about the same as the rest of California.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Roseville is rather affordable. On average, it's about $25 less to insure your vehicle in Roseville than it is in the rest of the United States.
Although these are the average car insurance rates in Roseville, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Roseville to help you understand what exactly you might be asked to pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? When it comes to car insurance bills, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $40 more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement age, your rates may begin to go back up in Roseville.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Roseville, although women do pay slightly less on their monthly insurance rates, the cost is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Roseville with a single accident will pay around $67 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $70.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$54|
|15 Years or Older||$55|
According to the first table above, the cheapest vehicles to insure in Roseville are usually trucks and vans, at $50 per month.
SUV drivers will see rates of about $53 to insure their car, while car owners typically pay around $58 per month.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Roseville, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
Generally speaking, those who have settled down into marriage will pay slightly less for auto insurance. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Roseville is no exception, with the difference totaling to around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$82|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $5 a month more than if you own your own home in Roseville. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Roseville, CA
Recent trends in car insurance for Roseville drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
The rates for car insurance in Roseville declined from 2017-2020, before steadying out in 2021. They finished down in 2022, at $48 a month
How does Roseville compare to neighboring areas?
Why are car insurance rates in Roseville different from other areas?
There are a lot of factors car insurance companies will consider when deciding how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Amount of off-street parking
- General road safety (how many accidents each locality has)
- Area laws
- Amount of drivers
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Roseville?
While getting familiar with 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.
But wait! Compare.com will handle the heavy lifting for you. Just enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in Roseville.
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Roseville Insurance FAQs
What factors affect car insurance quotes in Roseville?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Roseville different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, local laws, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Roseville?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Roseville?
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Roseville or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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