+120 more*These quotes are from Compare.com users in and around Roseville, California within the last 10 days. Updated on July 8, 2026
*These quotes are from Compare.com users in and around Roseville, California within the last 10 days. Updated on July 8, 2026
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Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
Updated
USAA and Aspire General are among the cheapest car insurance companies in Roseville, California, with prices starting at $81 per month.
A liability policy costs Roseville drivers $97 per month, on average, while full coverage costs $178, on average.
GEICO, Travelers, and Allstate are some of our top picks for Roseville auto insurance.
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 |
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.
Company | Average Monthly Premium |
|---|---|
| USAA | $81 |
| Aspire General | $83 |
| Sun Coast | $87 |
| GEICO | $89 |
| Mercury | $90 |
| National General | $91 |
| Dairyland | $98 |
| Root | $106 |
| Direct Auto | $109 |
| Allstate | $111 |
| Farmers | $115 |
| Anchor | $116 |
| Bristol West | $124 |
| State Farm | $124 |
| Kemper Special | $127 |
| Travelers | $130 |
| Kemper Rsvp | $141 |
| 21st Century | $142 |
| Chubb | $221 |
Category | Price |
|---|---|
| $78 | 3.8% |
| $96 | 5.6% |
| $115 | 6.7% |
| $134 | 7.9% |
| $152 | 8.4% |
| $171 | 8.0% |
| $190 | 8.0% |
| $208 | 7.1% |
| $227 | 6.8% |
| $246 | 6.1% |
| $264 | 5.2% |
| $283 | 4.8% |
| $301 | 4.2% |
| $320 | 3.5% |
| $339 | 3.3% |
| $357 | 2.7% |
| $376 | 2.4% |
| $395 | 2.1% |
| $413 | 1.8% |
| $432 | 1.6% |
Liability insurance pays for others’ injuries and property damage if you cause an accident.
In Roseville, liability-only insurance costs $97 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.
Company | Average Monthly Premium |
|---|---|
| USAA | $81 |
| Aspire General | $83 |
| Sun Coast | $87 |
| GEICO | $89 |
| Mercury | $90 |
| National General | $91 |
| Dairyland | $98 |
| Root | $106 |
| Direct Auto | $109 |
| Allstate | $111 |
| Farmers | $115 |
| Anchor | $116 |
| Bristol West | $124 |
| State Farm | $124 |
| Kemper Special | $127 |
| Travelers | $130 |
| Kemper Rsvp | $141 |
| 21st Century | $142 |
| Chubb | $221 |
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.
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 $178 per month, according to Compare.com data.
The companies listed in the chart below offer some of the cheapest full-coverage insurance in Roseville.
Company | Average Monthly Premium |
|---|---|
| Aspire General | $155 |
| Root | $173 |
| Mercury | $184 |
| GEICO | $186 |
| USAA | $190 |
| Kemper Special | $211 |
| Kemper Rsvp | $214 |
| Sun Coast | $217 |
| Anchor | $228 |
| Dairyland | $254 |
| National General | $256 |
| Allstate | $262 |
| Farmers | $269 |
| Bristol West | $285 |
| Direct Auto | $285 |
| State Farm | $291 |
| Travelers | $306 |
| 21st Century | $334 |
| Chubb | $520 |
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 $249 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.
Company | Average Monthly Premium |
|---|---|
| USAA | $149 |
| Aspire General | $150 |
| Sun Coast | $157 |
| Root | $159 |
| GEICO | $160 |
| Mercury | $164 |
| Dairyland | $170 |
| National General | $181 |
| Direct Auto | $211 |
| Allstate | $218 |
| Bristol West | $219 |
| Anchor | $221 |
| Farmers | $228 |
| Kemper Special | $229 |
| State Farm | $239 |
| 21st Century | $253 |
| Kemper Rsvp | $255 |
| Travelers | $268 |
| Chubb | $452 |
Rates in Roseville start at $81 per month.
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 $125, 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.
Company | Average Monthly Premium |
|---|---|
| USAA | $67 |
| GEICO | $73 |
| Mercury | $73 |
| National General | $74 |
| Aspire General | $75 |
| Sun Coast | $79 |
| Dairyland | $85 |
| Direct Auto | $92 |
| Allstate | $93 |
| Farmers | $94 |
| Anchor | $96 |
| Root | $100 |
| State Farm | $100 |
| Bristol West | $106 |
| Travelers | $107 |
| 21st Century | $115 |
| Kemper Special | $115 |
| Kemper Rsvp | $128 |
| Chubb | $172 |
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.
Company | Average Monthly Premium |
|---|---|
| USAA | $105 |
| Aspire General | $105 |
| Sun Coast | $110 |
| National General | $114 |
| GEICO | $117 |
| Dairyland | $122 |
| Mercury | $125 |
| Root | $127 |
| Direct Auto | $138 |
| Anchor | $144 |
| Allstate | $145 |
| Farmers | $148 |
| Bristol West | $157 |
| State Farm | $158 |
| Kemper Special | $161 |
| Travelers | $170 |
| Kemper Rsvp | $179 |
| 21st Century | $188 |
| Chubb | $283 |
Company | Average Monthly Premium |
|---|---|
| Aspire General | $106 |
| USAA | $107 |
| Sun Coast | $111 |
| GEICO | $116 |
| National General | $119 |
| Dairyland | $127 |
| Root | $131 |
| Mercury | $133 |
| Direct Auto | $146 |
| Allstate | $147 |
| Anchor | $148 |
| Farmers | $152 |
| Bristol West | $161 |
| State Farm | $162 |
| Kemper Special | $162 |
| Travelers | $173 |
| Kemper Rsvp | $180 |
| 21st Century | $191 |
| Chubb | $290 |
Company | Average Monthly Premium |
|---|---|
| Aspire General | $112 |
| USAA | $113 |
| Sun Coast | $118 |
| GEICO | $124 |
| National General | $127 |
| Mercury | $134 |
| Dairyland | $137 |
| Root | $148 |
| Direct Auto | $152 |
| Allstate | $155 |
| Farmers | $160 |
| Anchor | $163 |
| Kemper Special | $172 |
| Bristol West | $173 |
| State Farm | $173 |
| Travelers | $181 |
| Kemper Rsvp | $191 |
| 21st Century | $191 |
| Chubb | $308 |
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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.
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. | $186/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.7 | 2.9 |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
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. | $130/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. | $306/mo |
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 |
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.
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]
Many available discounts
24/7 customer support
Superior (A++) financial strength rating
Below-average customer service rating
More expensive than some competitors
Below-average claims satisfaction
| User Reviews | 3.8 |
|---|---|
| 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. | $111/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. | $262/mo |
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 | 3.5 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
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.
Accident forgiveness available
Highly rated mobile app
Many available discounts
Below-average customer service ratings
Low Better Business Bureau (BBB) rating[10]
Below-average auto claims satisfaction ratings
Here are common questions and answers to help you choose an insurance company with confidence as you shop for auto insurance in Roseville.
Drivers in Roseville pay an average of $138 per month for car insurance, based on Compare.com data. A liability-only policy averages $97 per month, and full coverage costs an average of $178 per month.
USAA has the cheapest car insurance, on average, in Roseville. Liability-only coverage averages $81 per month, according to Compare.com data.
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.
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 $138 per month, compared to the state average of $143. California auto insurance rates are higher than the national average of $140 per month.
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.
USAA offers the cheapest auto insurance in California. Its monthly rates average $84, according to Compare.com data.
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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Learn more about us, our team, and what makes us tick.
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Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
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