Cost of Auto Insurance in Elk Grove, CA As Low As $970

Compare Quotes from Top Providers and Save now!

The average cost of auto insurance in Elk Grove, CA, according to Zimlon, is $1,446 and ranges between $970 and $2,256. This is much higher than the average cost of auto insurance in neighboring places such as Sacramento County, La Riviera, and Clarksburg. Residents of Elk Grove can save up to $580 by comparing multiple auto insurance quotes. The cost of auto insurance depends on numerous factors ranging from the make and model of the vehicle to the driver’s age. 

According to the U.S. Census Bureau, Elk Grove has a population of 174,775, with a median household income of $90,770, and a per capita income of $34,645.

cost_of_auto_insurance_in_elk_grove_ca

Insurance Requirements:

Car insurance is mandatory for all vehicle owners in California. The minimum liability insurance requirements for private passenger vehicles are as follows:

  • $15,000 for injury/death to a person.

  • $30,000 for injury/death to more than a person.

  • $5,000 for damage to property.

Demographics:

The cost of auto insurance is dependent on the age and gender of the driver. Women are generally considered to be safe drivers, making auto insurance cheaper for them. As the above infographic indicates, married women pay the least on auto insurance in Elk Grove, at $1,359. Auto insurance is expensive for teenagers since they lack driving experience. Male teenagers pay $3,152 on auto insurance, while female teenagers pay $3,137.

Deductible:

Deductibles are one of the most common factors affecting the cost of auto insurance in the country, and Elk Grove is no different. A higher deductible leads to a decrease in the cost of auto insurance, while a low deductible increases it. The average cost of auto insurance for Chevrolet Cruze Eco at a low deductible ($500) is $1,440. This goes down to $1,340 when the deductible is higher ($1,000).

Neighborhood:

The neighborhood one lives in Elk Grove can also have an impact on the cost of auto insurance. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes from multiple auto insurance companies. Depending on several factors, including the make and model of the vehicle and the rate of auto thefts in the neighborhood, the price can vary within a city. 

Driving Record:

The driving record of car owners also has a direct impact on the cost of auto insurance. Getting charged for offenses such as DUI and driving without a proper license can have a long-term impact on the cost of auto insurance in Elk Grove. The average cost of auto insurance post-DUI in Elk Grove is $2,689. This tends to be higher for teenagers. Male teenagers pay $5,862, while female teenagers pay $5,834.

Credit Score:

A healthy credit score will also determine the cost of one’s auto insurance. Possessing a good credit score will reduce the cost of auto insurance for the car owner.