Car Insurance in Sacramento

GEICO delivers Sacramento's lowest full coverage rates at $1,135 per year, which is 41% below the city average of $1,817. AAA follows closely at $1,243 per year for full coverage, offering another strong option for Sacramento residents.

For minimum coverage, GEICO charges $491 per year while AAA offers $514 per year. These rates demonstrate significant savings potential for Sacramento drivers who take time to compare multiple insurers before purchasing coverage.

The competition between major carriers in Sacramento creates opportunities for drivers to find rates well below city averages. Both GEICO and AAA maintain strong customer satisfaction ratings while delivering affordable premiums.

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.

The substantial premium differences across age groups reflect statistical risk assessments that insurers use for pricing. Sacramento's young drivers can reduce costs by maintaining clean records and taking advantage of good student discounts when available.

Young drivers in Sacramento can find the cheapest car insurance through GEICO, which offers minimum coverage at $83 per month. State Farm follows closely at $87 monthly. Sacramento’s busy freeways and high commuter traffic often raise premiums for drivers ages 16 to 25, but these insurers consistently offer lower rates compared to other carriers serving the region.

Adult drivers ages 26 to 64 get the lowest premiums from GEICO, which remains the most affordable option for clean-record drivers across the city. AAA and Progressive also offer competitive pricing. Sacramento’s mix of suburban routes and dense highway traffic typically pushes costs higher, making these companies strong choices for adults seeking well-priced liability coverage.

Seniors in Sacramento receive the cheapest minimum and full coverage rates from GEICO. Minimum coverage starts at $45 per month and full coverage averages $101. These rates fall well below typical premiums for older drivers, making GEICO a reliable choice for seniors who want consistent pricing in a city where repair and medical costs can increase insurance rates.

High-risk drivers in Sacramento can still secure affordable coverage through several insurers. GEICO and AAA provide the lowest starting rates for DUIs, accidents, and speeding violations. These companies offer more moderate surcharges than many competitors in the area.

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

GEICO offers the cheapest car insurance for Sacramento drivers with a DUI, with monthly premiums that fall below the city average. GEICO’s pricing structure makes it one of the most dependable choices for drivers needing to control costs after a major violation that typically leads to steep rate increases.

For Sacramento drivers with an at-fault accident, AAA provides the lowest rates, starting at $53 per month. This minimum liability premium is well below average for the city, giving accident-affected drivers a more affordable path to maintain required coverage.

Drivers in Sacramento with a speeding ticket can find the most affordable rates through AAA. Minimum coverage begins at $53 per month, while full coverage averages about $130. AAA’s lower surcharges make it a top choice for drivers looking to limit premium increases after a citation.

Progressive earns Sacramento's top spot with a MoneyGeek score of 91 out of 100. GEICO follows as a strong alternative with a score of 87 out of 100.

These companies stand out for their combination of competitive pricing, reliable claims handling and strong customer satisfaction metrics. Progressive excels in digital customer service capabilities and offers robust online tools for policy management.

GEICO maintains consistently low rates while providing responsive claims support. Both insurers demonstrate financial stability and maintain strong complaint ratios with state regulators.

Average annual premiums in Sacramento reach $858 for minimum coverage and $1,817 for full coverage. These rates sit above California's statewide averages due to several regional factors.

GEICO consistently offers below-average premiums for Sacramento residents, making it a strong option for cost-conscious drivers throughout the metropolitan area. Local factors including traffic density, accident frequencies and vehicle theft rates all contribute to Sacramento's higher insurance costs compared to other California cities.
The city's position as the state capital also brings increased urban driving challenges.

Despite higher averages, Sacramento drivers can find affordable coverage by comparing quotes from multiple insurers and taking advantage of available discounts for bundling policies or maintaining 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.