Cheap Quotes for Folsom, CA Car Insurance (2021)

Folsom, California car insurance rates average $296 a month and California law requires coverage of at least 15/30/5. By comparing rates from multiple Folsom, CA companies, you can find cheap Folsom car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Average car insurance rates in Folsom, CA for senior drivers are $2,131/year
  • Folsom has an average commute time of 26.0 minutes
  • Average car insurance rates in Folsom, CA after a DUI are $4,978/year

How do the Folsom, California monthly average car insurance rates of $296/month compare to nearby cities like San Francisco car insurance rates, Long Beach car insurance rates, and Oakland car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Folsom, CA.

We’ll cover the California minimum coverage requirements, California car insurance laws, and Folsom, CA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Folsom, California companies to find the most affordable Folsom car insurance rates.

Enter your ZIP code above to find cheap Folsom, CA car insurance quotes today.

What are the minimum Folsom, CA car insurance requirements?

To meet California minimum car insurance coverage requirements, Folsom, CA drivers need to carry at least 15/30/5 coverage.

Minimum Required Car Insurance Coverage in Folsom, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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How do age, gender, and marital status affect Folsom, CA car insurance rates?

Three of the criteria that most affect car insurance rates in Folsom, California are age, gender, and marital status. Let’s take a look at how each of these stack up with top Folsom car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Folsom, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,679 $2,683 $1,964 $1,978 $7,424 $9,348 $3,418 $3,753
Farmers $2,717 $2,717 $2,454 $2,454 $8,667 $14,188 $3,220 $3,587
GEICO $1,633 $1,633 $1,535 $1,535 $4,974 $5,050 $2,346 $2,393
Liberty Mutual $2,231 $2,110 $2,071 $2,007 $4,813 $5,137 $2,510 $2,538
Nationwide $3,057 $2,917 $2,691 $2,535 $7,782 $8,599 $3,649 $3,595
Progressive $1,726 $1,774 $1,484 $1,752 $4,662 $5,585 $2,492 $2,674
State Farm $3,389 $3,389 $3,028 $3,028 $6,270 $7,798 $3,750 $3,864
Travelers $2,388 $2,308 $2,111 $2,091 $4,963 $5,608 $3,090 $3,022
USAA $1,855 $1,756 $1,813 $1,819 $4,210 $4,227 $2,558 $2,416

How much do teen drivers pay for car insurance in Folsom, CA?

Folsom, California car insurance rates for teens are often higher than rates for other drivers. Compare Folsom car insurance rates from multiple Folsom, California car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Folsom, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,424 $9,348
Farmers $8,667 $14,188
GEICO $4,974 $5,050
Liberty Mutual $4,813 $5,137
Nationwide $7,782 $8,599
Progressive $4,662 $5,585
State Farm $6,270 $7,798
Travelers $4,963 $5,608
USAA $4,210 $4,227

How much do senior drivers pay for car insurance in Folsom, CA?

With a little research, seniors can find affordable car insurance in Folsom, California. Here’s a look at how the top Folsom car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Folsom, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,964 $1,978
Farmers $2,454 $2,454
GEICO $1,535 $1,535
Liberty Mutual $2,071 $2,007
Nationwide $2,691 $2,535
Progressive $1,484 $1,752
State Farm $3,028 $3,028
Travelers $2,111 $2,091
USAA $1,813 $1,819

How does coverage level affect Folsom, CA car insurance rates?

How much coverage do you need? Are you comfortable with the California minimum of 15/30/5 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Folsom, CA car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Folsom, California

Insurance Company Low Medium High
Allstate $3,938 $4,192 $4,338
Farmers $4,652 $5,039 $5,310
GEICO $2,367 $2,670 $2,875
Liberty Mutual $2,725 $2,952 $3,105
Nationwide $3,874 $4,435 $4,750
Progressive $2,440 $2,865 $3,001
State Farm $3,840 $4,398 $4,705
Travelers $2,740 $3,290 $3,563
USAA $2,333 $2,634 $2,779

How does your driving record affect Folsom, CA car insurance rates?

Safe driving pays off. The more traffic violations you have in Folsom, CA, the higher your car insurance rates will be. Compare rates based on driving infractions from top Folsom, California companies.

Annual Folsom, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,513 $4,208 $6,611 $3,293
Farmers $3,698 $5,035 $6,270 $4,999
GEICO $1,842 $2,852 $3,569 $2,285
Liberty Mutual $2,540 $3,404 $3,073 $2,692
Nationwide $3,038 $3,897 $6,580 $3,897
Progressive $1,810 $3,089 $3,565 $2,611
State Farm $3,081 $3,673 $6,930 $3,574
Travelers $2,129 $3,491 $4,026 $3,145
USAA $1,717 $2,552 $4,179 $1,880

How does a DUI affect Folsom, CA car insurance rates?

With even one DUI on your record, you can see an increase in your Folsom, CA car insurance rates.

Annual Car Insurance Rates After a DUI in Folsom, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,611
Farmers $6,270
GEICO $3,569
Liberty Mutual $3,073
Nationwide $6,580
Progressive $3,565
State Farm $6,930
Travelers $4,026
USAA $4,179

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How does your commute affect Folsom, CA car insurance rates?

Folsom, CA car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for California can be seen here. Remember, though, that you may have to carry substantially more car insurance in Folsom if you’re financing.

Annual Car Insurance Rates by Commute Length in Folsom, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,747 $4,565
Farmers $4,537 $5,464
GEICO $2,395 $2,879
Liberty Mutual $2,687 $3,168
Nationwide $3,847 $4,859
Progressive $2,509 $3,028
State Farm $4,156 $4,473
Travelers $2,882 $3,514
USAA $2,380 $2,784

Who has the cheapest Folsom, CA car insurance rates?

Here’s a breakdown of Folsom, California car insurance rates by company. You can see which company offers the cheapest Folsom car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Folsom, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

What are the top Folsom, CA car insurance companies?

Which Folsom, California car insurance company will best fit your needs and budget? Check out this comparison of the top Folsom companies to find the one for you.

Average Annual Car Insurance Rates by Company in Folsom, California

Insurance Company Average Annual Rates
Allstate $4,156
Farmers $5,000
GEICO $2,637
Liberty Mutual $2,927
Nationwide $4,353
Progressive $2,769
State Farm $4,314
Travelers $3,198
USAA $2,582

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What factors affect Folsom, CA car insurance rates?

Why are Folsom, California car insurance rates different than rates in San Francisco or Long Beach? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Folsom, CA?

FBI statistics show that the Folsom, California car theft rate is 82 thefts each year. High theft rates can lead to higher than average Folsom, CA car insurance rates.

How long is the average commute in Folsom, CA?

More time spent behind the wheel can lead to higher Folsom, California car insurance rates. In Folsom, CA, the average commute length is 26.0 minutes.

Car Insurance Quotes for Folsom, CA

Shop for affordable Folsom, California car insurance rates today. Enter your ZIP code to compare quotes from multiple Folsom, CA car insurance companies.

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