The Cheapest Auto Insurance Companies in Roseville, California, in 2025

In Roseville, the cheapest auto insurance company is USAA, with an average premium of $81 per month.

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Becky Helzer
Edited byBecky Helzer
Becky Helzer
Becky HelzerEditor

Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.

Becky earned a bachelor’s degree in technical journalism from Colorado State University.

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Key Takeaways
  • USAA and National General are among the cheapest car insurance companies in Roseville, California, with prices starting at $81 per month.

  • A liability policy costs Roseville drivers $94 per month, on average, while full coverage costs $193, 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
sort ascsort desc
Cheapest Insurer
sort ascsort desc
State-minimum coverageUSAA
Full coverageAnchor
TeensUSAA
SeniorsUSAA
Drivers with a speeding ticketUSAA
Drivers with an at-fault accidentUSAA
Drivers with a DUIUSAA
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT
Company
sort ascsort desc
Average Monthly Premium
sort ascsort desc
USAA$81
National General$91
Sun Coast$93
Dairyland$96
Mercury$103
Root$103
Allstate$111
GEICO$112
Farmers$114
Anchor$116
Direct Auto$117
Bristol West$122
State Farm$124
Travelers$130
21st Century$142
Nationwide$175
Chubb$221
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Estimated Cost: $179 per month
40.1% of drivers like you pay less for car insurance. Compare quotes to save up to $1320 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 $94 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.

Cheapest Liability Rates by Company

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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:

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: Anchor

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 $193 per month, according to Compare.com data.

The companies listed in the chart below offer some of the cheapest full-coverage insurance in Roseville.

Cheapest Full-Coverage Rates by Company

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $268 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.

Cheapest Rates for Teens

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Compare Real-Time Car Insurance Quotes in Roseville, California

Rates in Roseville start at $81 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 $127, 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.

Cheapest Rates for Seniors

Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT
Company
sort ascsort desc
Average Monthly Premium
sort ascsort desc
USAA$102
National General$112
Sun Coast$114
Dairyland$118
Root$135
Allstate$140
Anchor$141
Farmers$142
Mercury$142
GEICO$144
Direct Auto$145
Bristol West$151
State Farm$153
Travelers$165
21st Century$182
Nationwide$221
Chubb$275
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT
Company
sort ascsort desc
Average Monthly Premium
sort ascsort desc
USAA$101
Sun Coast$110
National General$114
Dairyland$119
Root$127
GEICO$135
Allstate$138
Farmers$142
Anchor$144
Mercury$145
Bristol West$151
Direct Auto$151
State Farm$153
Travelers$163
21st Century$180
Nationwide$220
Chubb$274
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT
Company
sort ascsort desc
Average Monthly Premium
sort ascsort desc
USAA$110
Sun Coast$116
National General$124
Dairyland$130
Root$138
Mercury$146
GEICO$148
Allstate$151
Farmers$155
Direct Auto$159
Anchor$161
Bristol West$166
State Farm$168
Travelers$176
21st Century$193
Nationwide$238
Chubb$300
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to Get the Cheapest Car Insurance in Roseville

Aerial view of a sprawling highway interchange with looping ramps, multiple lanes of traffic and surrounding commercial buildings and dry landscape.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.

GEICO logo
User Reviews
4.1
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.
$112/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.
$197/mo
4.1
Best choiceBased on 485 verified guest reviews and ratings
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
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
Reviews (247)
Hagop
Verified Review
I started with GEICO 4 years ago
Reviewed in Rhode Island on November 2025
I started with GEICO 4 years ago at $400 for six months, and now it's $725. No tickets or any incidents. Disappointed.
Mark
Verified Review
Overall Positive
Reviewed in Louisiana on November 2025
Check Geico first.
Jose
Verified Review
A Good Experience
Reviewed in New York on November 2025
Apart from an unexpected premium raise, my experience has been a positive one.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
626
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
AM 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.

Pros
  • DriveEasy telematics program

  • Many available discounts

  • Superior financial strength rating[7]

Cons
  • Below-average claims satisfaction[8]

  • Not as many available coverages

  • Gap insurance not available

Travelers logo
User Reviews
4.0
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.
$132/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.
$293/mo
4.0
Best choiceBased on 41 verified guest reviews and ratings
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
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
Reviews (26)
John
Verified Review
Little More Information
Reviewed in Alabama on February 2025
They provide great coverage.
John
Verified Review
Confused
Reviewed in Alabama on February 2025
I paid in full for twelve months of coverage. After four months, I sold the car and had to pay an additional $81 to cancel the policy. Does that make sense to you? Later, I received a fifteen-dollar credit.
Bryan
Verified Review
Okay
Reviewed in New York on February 2025
The rates increase after the first year and continue to do so every subsequent year.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0
AM 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

Allstate logo
User Reviews
3.6
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.
$113/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.
$250/mo
3.6
A solid optionBased on 360 verified guest reviews and ratings
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
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
Reviews (165)
Wendy
Verified Review
Good Customer Service
Reviewed in California on November 2025
They are a good, reliable company, but the price is too high.
John
Verified Review
Nice
Reviewed in Alabama on November 2025
Easy best price.
Herb
Verified Review
Allstate Rip-off
Reviewed in Florida on November 2025
They lowered my coverage and raised my rate without informing me.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
634
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
AM 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 $143 per month for car insurance, based on Compare.com data. A liability-only policy averages $94 per month, and full coverage costs an average of $193 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 $81 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 $143 per month, compared to the state average of $144. California auto insurance rates are higher than the national average of $138 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 $82, according to Compare.com data.

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.

Related Articles

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. State of California Department of Motor Vehicles. "Financial Responsibility (Insurance) Requirements for Vehicle Registration."
  3. Ca.gov. "Automobile Insurance Text Version."
  4. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  5. National Safety Council. "Overview: Age of Driver."
  6. Insurance Information Institute. "Senior driving safety and insurance tips."
  7. Ambest.com. "AM Best Affirms Credit Ratings of Members of GEICO."
  8. Jdpower.com. "2025 U.S. Auto Claims Satisfaction Study."
  9. Naic.org. "Consumer Insurance Refined Search Results."
  10. Better Business Bureau. "Allstate Insurance."
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