Cheapest Car Insurance Quotes in Folsom

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401,895 Policies Sold

Folsom Car Insurance

^$ 25

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Folsom

The car insurance rate in Folsom is $1059 for a six-month policy, which is $56 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $610, making it a popular choice for budget-conscious drivers. Rates in Folsom can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Folsom

$1059

Avg. Car Insurance in California

$1115

National Average

$1140

Cheapest Car Insurance Companies in Folsom

1st place: CSAA

At $610 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $818 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA SoCal

AAA SoCal offers auto insurance rates at $897 for six months, making it the third cheapest auto insurance company in Folsom.

Folsom Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Folsom, CA is CSAA, offering policies at just $610 for a six-month term. This is followed by Mercury, which has an average six-month premium of $818.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1303 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Folsom drivers find the best deals.

Cheap Car Insurance Companies in Folsom, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$610	$103
Mercury	$818	$138
AAA SoCal	$897	$149
Progressive	$942	$159
USAA	$998	$168
Allstate	$1033	$174
Wawanesa	$1038	$175
AAA NorCal	$1050	$179
Auto Club	$1083	$181
State Farm	$1146	$193
Kemper	$1349	$225
Farmers	$1507	$257
AAA	$1303	$218

Key Takeaways

Way's key takeaways about car insurance in Folsom

The auto insurance costs in Folsom fall around $610 for six months.
The cheapest auto insurance company in Folsom is CSAA.
Teen drivers pay the highest rate in Folsom at $554 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Folsom

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Folsom are given below.

CSAA provides the cheapest minimum car insurance coverage in Folsom. Their Average 6 Month Premium is $146. Farmers is the most expensive at $480 for the same period.

Cheapest Liability Coverage in Folsom, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$146	$25
USAA	$271	$46
AAA NorCal	$282	$48
AAA SoCal	$322	$55
Progressive	$328	$55
Auto Club	$333	$57
State Farm	$344	$58
Wawanesa	$350	$59
Mercury	$372	$63
AAA	$401	$68
Allstate	$401	$67
Farmers	$480	$82

Cheapest Full Coverage Car Insurance in Folsom

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Folsom is CSAA at $103 per month and $610 for six months.

Cheapest Full Coverage Car Insurance Quotes in Folsom, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$610	$103
Mercury	$818	$138
AAA SoCal	$897	$149
Progressive	$942	$159
USAA	$998	$168
Allstate	$1033	$174
Wawanesa	$1038	$175
AAA NorCal	$1050	$179
Auto Club	$1083	$181
State Farm	$1146	$193
Kemper	$1349	$225
Farmers	$1507	$257
AAA	$1303	$218

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Average Car Insurance in Folsom by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Folsom, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Folsom, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Folsom's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Folsom

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$556
30s	Wawanesa	$448
40s	Wawanesa	$448
50s	Wawanesa	$448
60s	Wawanesa	$448
70s	Wawanesa	$439

Cheapest Car Insurance Rates for Teen Drivers in Folsom,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Folsom at $66 per month. At $3324 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$395	$66
Capital Insurance Group	$497	$85
USAA	$1185	$200
Mercury	$1202	$202
Wawanesa	$1321	$220
Progressive	$1382	$233
CSAA	$1664	$280
State Farm	$1975	$333
AAA SoCal	$2138	$356
Allstate	$2291	$386
Auto Club	$2443	$408
AAA NorCal	$3256	$554
Farmers	$3324	$554

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Folsom.

As young drivers face the highest rates in Folsom, Wawanesa offers the cheapest auto insurance rates at $556 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Folsom.

Car Insurance Rates with An Accident in Folsom

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Folsom, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Folsom

The cheapest car insurance companies after an at-fault accident in Folsom include AAA and Capital Insurance Group, offering $355 and $519, respectively. Allstate is an expensive provider with an average six-month premium of $2556.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$355	$59
Capital Insurance Group	$519	$88
CSAA	$694	$117
Mercury	$1004	$169
USAA	$1038	$175
Progressive	$1202	$202
Wawanesa	$1467	$244
AAA SoCal	$1541	$262
Auto Club	$1625	$271
Farmers	$1670	$281
State Farm	$1986	$334
AAA NorCal	$2127	$362
Allstate	$2556	$430

Folsom Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Folsom CA. For example, the car insurance in Folsom after a DUI increases to $1653 for a six month policy. While the rate increases by $434 for a six-month policy in the case of a speeding ticket.

Folsom auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1033	$172
Not-at-fault accident	$1033	$176
One comp claim	$1033	$172
One Med/PIP claim	$1033	$176
Two comp claims	$1033	$172
Two Med/PIP claims	$1033	$176
At-fault accident - less than $1000	$1055	$176
Failure to show documents	$1360	$231
Driving with expired registration	$1388	$232
Driving without lights	$1388	$236
Failure to wear a seat belt	$1394	$233
Child safety restraint	$1405	$238
Speeding 11 - 15 MPH over limit	$1461	$243
Speeding 16 - 20 MPH over limit	$1461	$249
Driving too slowly	$1467	$244
Failure to stop at a red light	$1467	$250
Failure to yield	$1467	$244
Following too closely	$1467	$250
Illegal turn	$1467	$244
In 65 MPH zone	$1467	$250
Speeding 21 - 25 MPH over limit	$1467	$244
Speeding 6 - 10 MPH over limit	$1467	$250
Speeding in school zone	$1467	$244
Improper passing	$1473	$251
Cell phone violation	$1478	$246
Texting while driving	$1478	$252
Passing school bus	$1495	$249
Wrong way/wrong lane	$1749	$297
Operating a vehicle without permission	$1789	$298
At-fault accident - $1000-$2000	$1800	$306
At-fault accident - greater than $2000	$1800	$300
Open container	$1806	$307
Driving with a suspended license	$2094	$349
Reckless driving	$2551	$434
Racing	$2579	$429
Leaving scene of an accident/hit and run	$2590	$441
DUI	$2686	$447
Refusal to submit to a chemical test	$2686	$457

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Folsom after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Folsom.

The cheapest car insurance premiums in Folsom are offered by Capital Insurance Group at $773 for a six-month policy. However, it can be as expensive as $711 with companies like AAA.

Folsom car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$773	$131
Mercury	$920	$155
Travelers	$1073	$182
Progressive	$1360	$229
Wawanesa	$1653	$281
Farmers	$1755	$295
USAA	$1868	$314
CSAA	$1975	$333
AAA SoCal	$2856	$485
Auto Club	$3267	$544
AAA NorCal	$3764	$640
State Farm	$4018	$676
Allstate	$4136	$696
AAA	$711	$121

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Folsom are offered by CSAA at $90. However, it can be as expensive as $2133 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Folsom after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$90	$15
Capital Insurance Group	$497	$85
Mercury	$846	$143
USAA	$886	$151
Progressive	$954	$161
AAA NorCal	$1321	$224
AAA SoCal	$1416	$236
Allstate	$1456	$248
State Farm	$1541	$257
Farmers	$2133	$363

Car Insurance Price Trends in Folsom, California

Car insurance rates in Folsom have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Folsom remained steady at $182 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Folsom rose to $52 in January, compared to $51 in December. This represents an increase of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Folsom?

The car insurance in Folsom is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Folsom?

The cheapest car insurance in Folsom is $103 per month for full coverage.

How much is car insurance in Folsom for teenagers?

Car insurance for teenagers costs $395 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Folsom?

The average cost of car insurance is $1115 for a six-month policy. It will cost around $178 per month to insure your car in Folsom.

Is car insurance expensive in Folsom?

Car insurance can be expensive in Folsom if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Folsom can be affordable.

Cheapest Car Insurance Quotes in Folsom

Why you can trust Way?

How Much Is Car Insurance in Folsom

Avg. Car Insurance in Folsom

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Folsom

1st place: CSAA

2nd place: Mercury

3rd place: AAA SoCal

Folsom Car Insurance Rates by Company

Cheap Car Insurance Companies in Folsom, CA

Way's key takeaways about car insurance in Folsom

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Folsom

Cheapest Liability Coverage in Folsom, CA

Cheapest Full Coverage Car Insurance in Folsom

Cheapest Full Coverage Car Insurance Quotes in Folsom, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Folsom by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Folsom, CA increasing?

Car Insurance Premiums by Age in Folsom

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Folsom,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Folsom.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Folsom

Cheapest Car Insurance Companies after an At-Fault Accident in Folsom

Folsom Car Insurance Rates by Violation

Folsom auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Folsom after a DUI

Folsom car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Folsom after Speeding ticket

Car Insurance Price Trends in Folsom, California

Average Car Insurance Cost in Folsom by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Folsom, CA

Car Insurance Rates by State in the USA (2025 Update)

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Data Sources