Car Insurance in Sacramento

GEICO has Sacramento's cheapest full coverage at $1,135 yearly, 41% below the city's $1,817 average. AAA comes in close at $1,243 per year for full coverage, another solid choice for Sacramento residents.

GEICO charges $491 yearly for minimum coverage while AAA offers $514. These rates show how much you can save by comparing companies before buying coverage.

Competition between big carriers in Sacramento means you can find rates way below the city average. Both GEICO and AAA keep customers happy while offering affordable rates.

Young drivers in Sacramento face the highest premiums while adult drivers secure the lowest rates across all age groups. GEICO offers adult drivers the cheapest coverage at $491 per year, which is 44% below the city average for minimum coverage.

Senior drivers pay $534 per year through GEICO, representing a modest 9% increase over adult rates. Young drivers pay $996 per year through GEICO, more than double what adult drivers pay for identical coverage.

Major price differences between age groups come from how insurers assess risk. Young Sacramento drivers can cut costs by keeping clean records and using good student discounts when they qualify.

GEICO gives Sacramento's young drivers the cheapest rates at $83 monthly for minimum coverage. State Farm follows close behind at $87 per month. Sacramento's packed freeways and heavy commuter traffic push up rates for drivers aged 16 to 25, but these companies consistently beat other carriers in the area.

Adults aged 26 to 64 pay the lowest rates with GEICO, the most affordable option for clean-record drivers citywide. AAA and Progressive also offer competitive prices. Sacramento's suburban routes mixed with packed highways push costs up, making these three companies your best bets for affordable liability coverage.

Sacramento seniors pay the least with GEICO. Minimum coverage starts at $45 monthly and full coverage averages $101. These rates run way below typical senior premiums, making GEICO a solid choice for older drivers who want steady pricing in a city where repair and medical bills can spike insurance costs.

High-risk Sacramento drivers can still find affordable coverage through several companies. GEICO and AAA offer the lowest starting rates for DUIs, accidents and speeding tickets. These companies don't hit you as hard with surcharges as many competitors.

• DUI: GEICO from $98 per month
• Accident: AAA from $53 per month
• Speeding ticket: AAA from $53 per month

GEICO offers Sacramento DUI drivers the cheapest rates with monthly premiums below the city average. GEICO's pricing makes it one of your most reliable choices when you need to control costs after a major violation that usually causes huge rate spikes.

AAA has the lowest rates for Sacramento at-fault accident drivers starting at $53 monthly. This minimum liability premium runs well below the city average, giving you a more affordable way to keep required coverage.

Speeding tickets on your record in Sacramento cost you less with AAA. Minimum coverage starts at $53 monthly while full coverage runs about $130. AAA's lower surcharges make it your top choice for limiting rate hikes after getting a ticket.

Progressive takes Sacramento's top spot with a MoneyGeek score of 91 out of 100. GEICO comes in strong at 87 out of 100.

Both companies shine with competitive prices, reliable claims handling and strong customer satisfaction. Progressive excels at digital customer service with great online tools for managing your policy.

GEICO keeps rates consistently low while handling claims quickly. Both companies are financially solid with strong complaint records at state regulators.

Annual Sacramento premiums hit $858 for minimum coverage and $1,817 for full coverage. These rates run higher than California's statewide average because of regional factors.

GEICO consistently offers below-average rates for Sacramento residents, making it a solid choice for cost-conscious drivers throughout the metro area. Traffic density, accident rates and car theft all push Sacramento's insurance costs higher than other California cities. Being the state capital also means more urban driving challenges.

Despite higher averages, Sacramento drivers can find affordable coverage by comparing quotes from several companies and grabbing discounts for bundling policies or keeping clean driving records.

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.

With Sacramento drivers paying some of California's highest car insurance rates, finding affordable coverage can feel overwhelming.

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.

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.