GEICO offers Sacramento's lowest car insurance rates at $491 per year for minimum coverage and $1,135 annually for full coverage. Other affordable insurers in the city include AAA, Progressive and State Farm.
Car Insurance in Sacramento
Updated: August 10, 2025
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Key Takeaways
Sacramento's cheapest car insurance companies are GEICO, AAA and Progressive, with savings up to 41% compared to the city average.
Monthly car insurance costs in Sacramento average $151 for full coverage and $71 for minimum coverage.
To get the best cheap auto insurance in Sacramento, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Sacramento?
| GEICO | $41 | $95 | -41% |
| AAA | $43 | $104 | -36% |
| Progressive | $54 | $102 | -32% |
| State Farm | $61 | $138 | -13% |
| Wawanesa Insurance | $73 | $144 | -5% |
Compare the Cheapest Sacramento Car Insurance for You
Your car insurance rates depend on your driving history and personal details, not just where you live. Check the table below to find the most affordable insurer for your specific driver profile, whether you're a safe driver, have a spotty record or fall somewhere in between.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| State Farm | $143 | $1,718 | -36% |
| Progressive | $152 | $1,821 | -32% |
| GEICO | $159 | $1,907 | -29% |
| Farmers | $204 | $2,446 | -9% |
| AAA | $110 | $1,315 | -51% |
Cheapest Car Insurance by Age Group in Sacramento
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16 to 25 (young), 26 to 64 (adults), and 65+ (seniors). Based on our data in Sacramento, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: GEICO (from $83 per month)
- Cheapest Car Insurance for Adults: GEICO (from $41 per month)
- Cheapest Car Insurance for Seniors: GEICO (from $45 per month)
Cheapest Car Insurance for Young Drivers in Sacramento
In Sacramento, GEICO and State Farm provide the most affordable car insurance for drivers aged 16 to 25, with monthly premiums starting at $83 and $87 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| GEICO | $83 | $996 | -38% |
| State Farm | $87 | $1,043 | -35% |
| Wawanesa Insurance | $101 | $1,217 | -24% |
| Farmers | $105 | $1,259 | -22% |
| AAA | $117 | $1,400 | -13% |
Cheapest Car Insurance for Adult Drivers in Sacramento
In Sacramento, GEICO provides the lowest rates for adult drivers (26 to 64), saving drivers around 44% on average. AAA and Progressive are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| GEICO | $41 | $491 | -44% |
| AAA | $43 | $514 | -41% |
| Progressive | $54 | $648 | -26% |
| State Farm | $61 | $735 | -16% |
| Wawanesa Insurance | $73 | $873 | -1% |
Cheapest Car Insurance for Senior Drivers in Sacramento
For seniors in Sacramento, GEICO provides the most affordable car insurance across both coverage types. Their minimum coverage starts at $45 monthly ($534 annually), while full coverage costs $101 per month ($1,213 per year).
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| GEICO | $45 | $534 | -48% |
| State Farm | $52 | $625 | -39% |
| AAA | $61 | $728 | -29% |
| Progressive | $69 | $824 | -20% |
| Farmers | $73 | $871 | -15% |
Cheapest Car Insurance for High-Risk Drivers in Sacramento
If you're a high-risk driver in Sacramento, these insurance companies offer the lowest rates based on our analysis:
- Drivers with a DUI: GEICO (from $98 per month)
- Drivers with an Accident: AAA (from $53 per month)
- Drivers with a Speeding Ticket: AAA (from $53 per month)
Cheapest Car Insurance With a DUI in Sacramento
GEICO offers the most affordable car insurance for Sacramento drivers with a DUI. Their rates are below the city average for minimum coverage and full coverage policies.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| GEICO | $98 | $1,177 | -43% |
| Progressive | $121 | $1,452 | -30% |
| Farmers | $126 | $1,510 | -27% |
| Mercury Insurance | $129 | $1,543 | -26% |
| Auto-Owners | $140 | $1,674 | -20% |
Cheapest Car Insurance With an Accident in Sacramento
AAA offers Sacramento's lowest car insurance rates for drivers with accidents, starting at $53 per month. This basic liability coverage costs less than the city's average premium.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| AAA | $53 | $637 | -54% |
| GEICO | $73 | $872 | -37% |
| Progressive | $88 | $1,053 | -24% |
| Auto-Owners | $93 | $1,115 | -20% |
| State Farm | $95 | $1,134 | -18% |
Cheapest Car Insurance With a Speeding Ticket in Sacramento
For Sacramento drivers with speeding tickets, AAA offers the cheapest car insurance options. Their minimum liability coverage starts at $53 per month, while full coverage costs about $130 monthly.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| AAA | $53 | $637 | -50% |
| GEICO | $61 | $736 | -43% |
| Progressive | $80 | $959 | -25% |
| Auto-Owners | $89 | $1,070 | -16% |
| State Farm | $91 | $1,092 | -15% |
Best Car Insurance Companies in Sacramento
Sacramento's standout car insurance providers are Progressive, GEICO, AAA, State Farm and Auto-Owners. These companies excel in delivering competitive rates, quality customer service and comprehensive coverage options.
| Progressive | 91 | 3 | 3 | 2 |
| GEICO | 87 | 1 | 7 | 7 |
| AAA | 87 | 2 | 5 | 7 |
| State Farm | 81 | 4 | 4 | 7 |
| Auto-Owners | 80 | 7 | 1 | 6 |
Progressive: Best Overall Value
pros
Strong coverage options available
Excellent customer service ratings
Competitive rates across driver types
cons
Not the cheapest option available
Limited military discounts
COMPANY HIGHLIGHTS
Progressive ranks first in Sacramento by offering a strong balance of coverage, service, and price. The company stands out with high scores in all three categories: customer experience, coverage options, and affordability. Progressive's full coverage insurance costs less than the Sacramento average, making it an accessible choice for most drivers. Their extensive coverage options and strong customer service ratings show they're equipped to handle complex insurance needs effectively.
GEICO: Best for Affordable Coverage
pros
Lowest rates in Sacramento
Many driver discounts available
Easy online experience
cons
Limited coverage customization options
Lower customer service scores
COMPANY HIGHLIGHTS
GEICO offers Sacramento's most affordable car insurance, with rates well below the city average. Their strength lies in providing budget-friendly coverage for various driver types. GEICO is the cheapest option for adult drivers, seniors, young drivers, and even those with poor credit or DUI records. While their coverage options are basic compared to competitors, their straightforward approach and efficient online tools make getting insured simple and affordable.
How Much Is Car Insurance in Sacramento?
In Sacramento, minimum coverage costs about $71 per month or $858 per year, ranking 1,104th out of all California cities for affordability. Full coverage averages $151 monthly or $1,817 annually, ranking 1,090th among California cities.
| Full Coverage | $151 | $1,817 |
| Minimum Coverage | $71 | $858 |
Compare Personalized Sacramento Car Insurance Costs
Find Sacramento car insurance rates that match your exact profile by filtering this table's combinations of age, driving history and other key factors.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $210 | $2,519 | 10% |
Sacramento Car Insurance Costs by ZIP Code
In Sacramento, car insurance rates by ZIP code range from $62 to $178 per month. ZIP code 95821 is the most expensive, while 95819 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code:95811
| 95811 | $69 | $150 |
How to Get the Best Cheap Sacramento Car Insurance
With Sacramento drivers facing some of California's highest car insurance rates, finding affordable coverage can feel overwhelming. This step-by-step guide shows you how to lower your costs while getting the right protection for your needs.
- 1
Know your coverage needs
Start by determining exactly what coverage you need for your Sacramento driving situation. Use our car insurance coverage needs calculator to understand your requirements. Consider your car's value, your assets and your comfort level with risk.
- 2
Explore different coverage types
Look into various types of car insurance that could save you money. If you drive less than average, consider pay-per-mile coverage. Don't own a car? A non-owner policy might be right for you.
- 3
Check Sacramento average rates
Research average vehicle insurance costs in Sacramento to set realistic expectations. This helps you identify truly competitive quotes and avoid overpaying. Local factors like traffic patterns and theft rates affect your rates.
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Find all possible discounts
Look for every car insurance discount you qualify for. Consider bundling multiple policies or getting multi-car discounts. Safe driver, good student and professional organization discounts can add up quickly.
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Research insurance company ratings
Check each insurer's customer service ratings and claims satisfaction scores. A company with slightly higher rates but excellent service might save you money and stress when you need to file a claim.
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Get quotes from multiple insurers
Contact at least three different insurance companies for quotes. Use a mix of national providers and regional Sacramento insurers. Get quotes online and through local agents to find the best rates.
- 7
Review your policy yearly
Set a reminder to review your coverage annually. Your rates might change based on your driving record, credit score or policy changes. Shopping around each year helps ensure you maintain the best rates.
Cheapest Car Insurance in Sacramento: Bottom Line
Car insurance rates in Sacramento depend on your driving record, vehicle type and coverage needs. GEICO and AAA offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Sacramento Car Insurance: FAQ
Looking for cheap car insurance in Sacramento? We've gathered straightforward answers to your most common questions about finding affordable coverage. Our research helps you understand your options and choose the right policy for your budget.
What is the cheapest car insurance company in Sacramento, California?
GEICO offers Sacramento's lowest rates, averaging $491 for minimum coverage and $1,135 for full coverage. Actual rates vary by personal factors, so compare multiple quotes.
Who offers the best car insurance in Sacramento?
Progressive leads Sacramento's car insurance market with a MoneyGeek score of 91 out of 100, scoring four points higher than GEICO. Progressive delivers excellent value through competitive rates and quality service.
What is the average cost of car insurance in Sacramento?
Sacramento drivers pay $1,817 annually for full coverage and $858 for minimum coverage car insurance. Your actual rates will vary based on individual factors.
Is car insurance in Sacramento expensive?
Car insurance in Sacramento costs more than average, ranking 1,104th for minimum coverage affordability and 1,090th for full coverage compared to other California cities.
How We Chose the Best and Cheapest Car Insurance in Sacramento, CA
To help Sacramento drivers find the most affordable auto insurance companies, MoneyGeek analyzed Sacramento auto insurance rates based on data and information from the California Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Sacramento and hundreds of thousands of quotes for 12 companies offering auto insurance in California to tailor options as closely as possible to you.
Sacramento Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Sacramento with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Sacramento
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in California are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Sacramento based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.