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2024

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Best Local Car Insurance Agencies in Citrus Heights, CA

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Citrus Heights Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

62Reviewed

42Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5006 Sunrise Boulevard, Fair Oaks, CA 95628
WebsiteLicense: 0H45116

Expertise.com Rating

Review Sources

Google
5.0 (14)
Yelp
5.0 (8)

Why choose this provider?

R K Jacobs Insurance Services, Inc., is an independent agency that provides auto insurance products and services to individuals and businesses in Citrus Heights and the nearby areas. Since 1977, the company has been working with various insurance carriers to provide customized insurance plans that are suited to the clients' budget and needs. As members of the community, its agents help the clients in understanding the coverages they need to purchase and are committed to providing quality insurance solutions.

  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

2100 Watt Avenue, Sacramento, CA 95825
WebsiteLicense: 0F49779

Expertise.com Rating

Review Sources

Google
4.5 (21)

Why choose this provider?

Western Auto Insurance Center is an independent insurance agency that has been providing insurance options for car owners in Citrus Heights and surrounding communities for more than two decades. Its agents conduct consultations to assess the needs and requirements of their clients for a car insurance policy. The company utilizes modern software to search for top-rated providers and compare their coverage options. The company also operates a 24/7 customer service center. Other offerings include motorcycle, home, life, and commercial insurance.

  • Multiple Carriers

3636 American River Drive, Sacramento, CA 95864

Expertise.com Rating

Why choose this provider?

Established in 1998, HUB International Sacramento is an insurance and brokerage firm that serves residential and commercial clients in Citrus Heights and nearby areas. It offers a variety of products and services, ranging from auto insurance, as well as boat, yacht, and personal watercraft insurance. It also covers high-value items and has a comprehensive line of risk management options that can meet the needs of each client. The company employs a team of insurance specialists that can cater to different industries, such as construction, agriculture, and healthcare.

7520 Greenback Lane, Citrus Heights, CA 95610
WebsiteLicense: 0K07568

Expertise.com Rating

Review Sources

Facebook
5.0 (23)
Yelp
2.5 (7)

Why choose this provider?

Beach & O’Neill Insurance Associates is an auto insurance provider serving Citrus Heights and nearby areas. The agency's car insurance features bodily injury liability to prevent the risk of lawsuits. It also covers property damage liability if a car hits a third party's home, building, fence, or lawn. Additionally, it offers uninsured motorist coverage for victims of hit-and-runs or if the party at fault is underinsured. The company has over 60 years of experience and has been featured in The Sacramento Business Journal.

  • Multiple Carriers

1333 Howe Avenue, Sacramento, CA 95825
WebsiteLicense: 0D80875

Expertise.com Rating

Review Sources

Google
4.3 (6)

Why choose this provider?

Louis Sanchez Insurance Services, LLC, is a full-service insurance company that has been serving Citrus Heights and surrounding localities for more than three decades. Founded in 1987, the independent insurance agency assists individuals, families, and businesses secure adequate protection for themselves and their vehicles against accidents, injuries, theft, and other unforeseen circumstances. Its agents represent multiple carriers and select the right policy to match their client's needs. They also handle claims filing and policy change requests. The company serves clients throughout California.

  • Bundling Option

8035 Madison Avenue, Citrus Heights, CA 95610
WebsiteLicense: 0H31752

Expertise.com Rating

Review Sources

Google
4.4 (17)

Why choose this provider?

Horizon Valley is an independent insurance agency providing services to its clients in Citrus Heights and the nearby areas. The agency offers personal insurance products, including car insurance coverage. Available policies offer the following options: liability coverage for other people, collision coverage, which covers the client's damaged vehicle, and comprehensive coverage, which covers theft, vandalism, fire, and hitting animals. Horizon Valley agency also offers insurance for homes and commercial businesses.

  • Multiple Carriers

7359 Greenback Lane, Citrus Heights, CA 95621
WebsiteLicense: 0G40486

Expertise.com Rating

Review Sources

Google
4.7 (28)
Yelp
4.0 (3)

Why choose this provider?

Bolt Insurance Services provides Citrus Heights residents with car insurance policies. Led by Javier Rodriguez, who founded the company in 2007, Bolt Insurance Services strives to meet the unique needs of each client. Rodriguez values professionalism while keeping a positive attitude whenever he meets his clients. He also helps clients looking to get insurance for their trucks. The company carries insurance brands such as Freedom Insurance Ltd., Bristol West Insurance Group, Viking Insurance, and Commerce West Insurance.

  • Bundling Option

4150 Manzanita Avenue, Carmichael, CA 95608
WebsiteLicense: 0I41635

Expertise.com Rating

Review Sources

Facebook
5.0 (29)
Google
4.3 (13)
Yelp
3.5 (7)

Why choose this provider?

As an independent agency, SaveMost Insurance Services LLC screens multiple carriers to provide the policy that will suit their clients' needs. Offering all aspects of personal insurance, the agency provides coverage for autos, watercraft equipment, motorcycles, and recreational vehicles such as ATVs. Companies can also avail of the agency's commercial auto insurance for business-owned vehicles including cars and delivery trucks. SaveMost Insurance Services LLC serves the residents of Citrus Heights and the entire state of California.

  • Multiple Carriers
  • RV & Motorhome
  • Bundling Option

10112 Fair Oaks Boulevard, Fair Oaks, CA 95628
WebsiteLicense: 0k44782

Expertise.com Rating

Why choose this provider?

Toby Stapleton Agency is a locally-owned insurance company that has been serving Citrus Heights and nearby communities since 2015. The independent insurance agency assists car owners and motorists in obtaining an auto insurance policy that can protect themselves and their vehicles against injuries, medical costs, and damages from accidents and other events. Its agents shop for insurance providers that can provide coverage options for bodily injury, medical payments, collision, comprehensive reimbursements, uninsured motorists. The company values trust and integrity in all its services.

  • Multiple Carriers

7433 Greenback Lane, Citrus Heights, CA 95610
WebsiteLicense: 6002631

Expertise.com Rating

Review Sources

Google
4.4 (58)
Yelp
2.0 (1)

Why choose this provider?

Odessa Insurance and Financial Services Inc. is a full-service insurance and financial management company that caters to the insurance needs in Citrus Heights and surrounding communities. The firm assists individuals and families in shopping for the most suitable auto insurance plan. Its independent insurance agents work with more than 70 insurance providers to create a customized policy for their clients. They also help customers with vehicle registration. Past clients have commended the firm for going the extra mile in helping them with their insurance needs.

  • Bundling Option

8084 Old Auburn Road, Citrus Heights, CA 95610
WebsiteLicense: 0L04359

Expertise.com Rating

Review Sources

Google
4.9 (39)
Facebook
5.0 (15)
Yelp
4.5 (6)

Why choose this provider?

Greg Polley is a local State Farm claims representative based in Citrus Heights that provides auto insurance products to residents in the metro. His agency can craft auto insurance policies that offer financial protection to clients in the event of traffic accidents, losses, and natural disasters. He also has home and life insurance products and services. Aside from being an agent, Polley is a Chartered Financial Consultant and a Chartered Property Casualty Underwriter.

  • Multiple Carriers

2241 Douglas Boulevard, Roseville, CA 95661
WebsiteLicense: 0K60579

Expertise.com Rating

Review Sources

Google
5.0 (65)
Yelp
4.5 (12)

Why choose this provider?

Pacific Unity Insurance Solutions, Inc., is a locally owned company providing insurance services to businesses and individuals in Citrus Heights and the greater Sacramento area. It helps clients navigate risk and provide insurance to prepare for the unexpected, such as damage, loss, or injury caused by car accidents. Its team is equipped with over 20 personal line carriers and up to 100 or more when considering all lines of insurance. Pacific Unity is a full-service agency that works with its clientele on a one-on-one basis.

  • Multiple Carriers

7816 Uplands Way, Citrus Heights, CA 95610
WebsiteLicense: 0G22084

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Lions & Coventry Insurance Services, LLC, offers auto insurance solutions to contractors, businesses, individuals, and families in Citrus Heights. The company carries insurance plans for cars and recreational vehicles, including motorcycles, ATVs, motorhomes, and boats. Its insurance advisors aid vehicle owners in obtaining suitable coverage packages, such as rental reimbursements, roadside assistance, personal injury protection, and uninsured motorist coverages. Founded in 1998, Lions & Coventry Insurance Services aims to build lasting client relationships also specialize in Cannabis and Hemp insurance It holds licenses in 35 states.

  • Multiple Carriers

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
R K Jacobs Insurance Services, Inc
5006 Sunrise Boulevard, Fair Oaks, CA 95628
Western Auto Insurance Center
2100 Watt Avenue, Sacramento, CA 95825
HUB International Sacramento
3636 American River Drive, Sacramento, CA 95864
Beach & O’Neill Insurance Associates
7520 Greenback Lane, Citrus Heights, CA 95610
Louis Sanchez Insurance Services, LLC.
1333 Howe Avenue, Sacramento, CA 95825
Horizon Valley Insurance
8035 Madison Avenue, Citrus Heights, CA 95610
Bolt Insurance Services
7359 Greenback Lane, Citrus Heights, CA 95621
SaveMost Insurance Services LLC
4150 Manzanita Avenue, Carmichael, CA 95608
Toby Stapleton Agency
10112 Fair Oaks Boulevard, Fair Oaks, CA 95628
Odessa Insurance - Citrus Heights
7433 Greenback Lane, Citrus Heights, CA 95610
Greg Polley
8084 Old Auburn Road, Citrus Heights, CA 95610
Pacific Unity Insurance Solutions, Inc.
2241 Douglas Boulevard, Roseville, CA 95661
Lions & Coventry Insurance Services, LLC
7816 Uplands Way, Citrus Heights, CA 95610

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Can you retrieve an impounded car in Citrus Heights without car insurance?

    If your car is impounded in Citrus Heights, you must provide certain documents, including your driver's license, VIN, and proof of car insurance, in order to have it released. If you do not have proof of insurance, you must purchase coverage before you can pick up your car.

  • Does a co-signer have to be on your car insurance in Citrus Heights?

    No. A co-signer usually does not need to be included on your Citrus Heights auto insurance policy except for certain situations. For example, your insurance company can ask you to add the co-signer as an insured driver if that individual will be using your vehicle frequently or if that person is residing in your house.

  • Does your auto insurance in Citrus Heights include coverage for roadside assistance by default?

    No, because roadside assistance coverage is an optional addition to a Citrus Heights auto insurance policy. Your roadside assistance coverage can aid you when resolving flat tires, lockouts, dead batteries, and mechanical failures. If your automobile runs out of gas, it can supply you with gas. It also covers the expense of towing your vehicle out of the ditch or snow.

  • Is the cost of ambulance rides covered by Citrus Heights auto insurance?

    Yes. If you have personal injury protection or medical payments coverage as a part of your auto insurance policy in Citrus Heights, your insurer will pay for the expense of taking you to the hospital in an ambulance. If you don't have this kind of insurance and are not responsible for the accident, the bodily injury insurance of the at-fault driver will pay for the ambulance ride.

  • In what circumstances will a collision deductible waiver in Citrus Heights be not applicable?

    In Citrus Heights, the following circumstances prevent the use of a collision deductible waiver:

    • The incident solely involves your car.
    • You are partially to blame for the accident.
    • A hit-and-run collision because it's not always possible to identify the other driver and determine whether they have insurance.
  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.