Roseville drivers can compare car insurance quotes with A1, starting from a city where vehicle theft runs well below the state average.
How Much Does Car Insurance Cost in Roseville?
Roseville's reported theft rate is about 0.8 per thousand people, far under the state average of 3.2, which can help keep comprehensive coverage in perspective. Prices still depend most on your driving record, annual mileage and years of experience, with ZIP code (95661, 95678 or 95747) and your vehicle as optional factors.
| Factor | Roseville | California |
|---|---|---|
| Average commute | 28 min | 29 min |
| Homes with 2+ cars | 66% | 63% |
| Car thefts per 1,000 | 0.8 | 3.2 |
| ZIP codes | 3 |
Why Roseville Drivers Compare Quotes With A1
Each carrier weighs those factors differently, so the same Roseville driver can see different quotes from company to company. A1 works with several California carriers rather than one, so you get side-by-side quotes for free.
About Roseville, California
Roseville is an incorporated city in Placer County, in the Sacramento Valley, with about 152,000 residents spread over 44 square miles. It sits at roughly 164 feet above sea level. Sacramento is the nearest city over 100,000 people, about 16 miles away, and Rocklin, Citrus Heights and Antelope are all within about 5 miles.
- County
- Placer County
- Population
- 152,438 (Census est.)
- Major routes
- I-80, SR-65
Driving in Roseville: What to Know
The average commute here is about 28 minutes, a little under the state average of 29. About 69% of workers drive alone, which is slightly above the state figure, so most local commuters put their own miles on the car every day. I-80 and SR-65 run through or near the city, and highway time adds to annual mileage, which insurers weigh heavily. About 21% work from home, compared with 15% statewide, and lower mileage may help your quote if you drive less.
State highways through or near Roseville:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Roseville
The Roseville DMV is at 7200 Galilee Rd, Roseville, CA 95678, less than a mile away.
Nearest DMV: Roseville
7200 Galilee Rd, Roseville, CA 95678
About 0.9 miles from Roseville
California Car Insurance Rules for Roseville Drivers
California's minimum liability coverage is 30/60/15, meaning $30,000 per person and $60,000 per accident for injury, and $15,000 for property damage. Drivers with a clean record can qualify for a Good Driver Discount of at least 20%, and credit scores and gender can't be used to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Roseville ZIP Codes and Nearby Areas
ZIP codes in Roseville:
Nearby cities and communities:
More About Roseville
Roseville started as a railroad town and grew into one of the Sacramento region's busiest hubs for shopping, dining and outdoor time. Here’s what locals love:
- Old Town and Vernon Street. The historic downtown has brick storefronts, local restaurants, antique shops and a town square that hosts community events and gatherings through the year.
- Railroad roots. Roseville grew up around the railroad, and the Union Pacific rail yard still operates here. Old Town keeps that history front and center.
- Maidu Museum and Historic Site. Walk among ancient petroglyphs and a preserved Nisenan Maidu village site, with a small museum and nature trails on the grounds.
- Shopping at the Galleria. The Westfield Galleria at Roseville is one of Northern California's big regional malls, and The Fountains outdoor center nearby adds more shops, dining and weekend people-watching.
Roseville Car Insurance FAQ
Does Roseville's low theft rate mean I can skip comprehensive coverage?
Not necessarily. Theft is low here at about 0.8 per thousand, but comprehensive also pays for fire, flood and vandalism, and liability-only does not cover your own car. Whether it's worth it depends on your car's value and your budget.
Will my commute affect my insurance rate in Roseville?
It can, because annual mileage is one of the main factors insurers must weigh. With an average commute of about 28 minutes and many people driving alone, mileage is worth reporting accurately, especially if you work from home some days.
What happens if I drive without insurance in Roseville?
A first offense is a $100 to $200 fine plus penalty assessments, and later offenses can mean impound. If you need an SR-22 after a DUI, uninsured driving or a suspension, your insurer files it with the DMV.