The Cheapest Auto Insurance Companies in Roseville, California, in 2026

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	Root
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: Monday, March 9 at 12:00 PM PDT. 

Company	Average Monthly Premium
USAA	$83
National General	$91
Sun Coast	$91
Dairyland	$94
Mercury	$100
Root	$105
GEICO	$107
Allstate	$113
Anchor	$116
Direct Auto	$117
Farmers	$117
Bristol West	$119
State Farm	$127
Travelers	$133
21st Century	$145
Nationwide	$178
Chubb	$226

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 Monday, March 9 at 12:00 PM PDT.

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 $96 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.

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: Root

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 $184 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 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 $260 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.

Compare Real-Time Car Insurance Quotes in Roseville, California

Rates in Roseville start at $83 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 $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.

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.

How to Get the Cheapest Car Insurance in Roseville

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.

Compare Quotes

User Reviews	3.9 267 reviews
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.	$102/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.	$194/mo

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Driver Reviews

3.9

A solid option in Roseville, CABased on 607 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

Showing 6 California reviews for Roseville drivers - See all 267 GEICO reviews

Amy

Verified Review

Worth shopping around

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.

Leo

Verified Review

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.

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.

Leticia

Verified Review

Premium Increase After Not-at-Fault Accident

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.

Robert

Verified Review

Excellent

Reviewed in California on May 22, 2025

Cheaper than others.

Kelly

Verified Review

Geico only offers auto insurance and uses other underwriters for renters and earthquake insurance. That is not what I wanted. I wanted coverage under one insurance plan/company.

Reviewed in California on May 13, 2025

Geico only offers auto insurance and uses other underwriters for renters and earthquake insurance. That is not what I wanted. I wanted coverage under one insurance plan/company.

Sharon

Verified Review

Good choice

Reviewed in California on April 30, 2025

Easy coverage, fairly priced.

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Our Advice

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

Compare Quotes

User Reviews	4.0 27 reviews
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.	$136/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.	$299/mo

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Driver Reviews

4.0

Best choice in Roseville, CABased on 57 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

Showing recent national reviews - See all 27 Travelers reviews

Philip

Verified Review

Mediocre to Good

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.

Our Advice

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

Compare Quotes

User Reviews	3.4 176 reviews
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.	$116/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.	$256/mo

Show Details

Driver Reviews

3.4

A solid option in Roseville, CABased on 429 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

Showing recent national reviews - See all 176 Allstate reviews

Sheila

Verified Review

Unhappy

Reviewed in Texas on March 4, 2026

The price just keeps rising, which is really hard for seniors.

Mary

Verified Review

Exceptional

Reviewed in Kentucky on March 4, 2026

Easy to talk with and always available.

Wayne

Verified Review

Minor Accident

Reviewed in Florida on March 2, 2026

If I knew you were raising my rate by $150.00 per month, I would have paid the cost to repair my car. Very disappointing.

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Our Advice

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

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