Updated: January 28, 2026
Advertising & Editorial Disclosure
GEICO is cheapest for diverse driver types. Full coverage is $94 monthly and minimum coverage costs $40 (18% savings versus Sacramento averages).
AAA ranks second for affordability at $103 monthly for full coverage and $42 for minimum coverage. It's especially competitive rates for accident drivers or speeding ticket drivers.
Progressive is recommended for high-risk categories with the cheapest options for DUI drivers while keeping good rates across other profiles.
Cheapest by Coverage and Driver Profile in Sacramento:
Sacramento drivers looking for affordable coverage should pick GEICO with the cheapest minimum coverage at $40 monthly (saves about 41% versus city average). AAA follows at $42 monthly with 36% savings.
For full coverage, GEICO charges $94 monthly and delivers 41% savings versus typical Sacramento rates. Progressive is second for comprehensive protection at $101 monthly.
| Geico | $41 | $95 | -41% |
| AAA | $43 | $104 | -36% |
| Progressive | $54 | $102 | -32% |
| State Farm | $61 | $138 | -13% |
| Wawanesa Insurance | $73 | $144 | -5% |
Not in Sacramento? Read more about the cheapest car insurance in California or the best car insurance in California.
GEICO is cheapest at $177 monthly. State Farm is second at $192. Wawanesa is third at $199. Stay on your parents' policy instead of buying your own to cut costs.
| Geico | $178 | $2,133 | -36% |
| State Farm | $192 | $2,308 | -31% |
| Wawanesa Insurance | $199 | $2,394 | -28% |
| AAA | $207 | $2,484 | -26% |
| Progressive | $222 | $2,659 | -21% |
GEICO is cheapest for full coverage at $101 monthly, followed by State Farm at $118 and AAA at $121. Most insurers offer accident forgiveness programs for drivers 65 and older to protect your rates after your first claim.
Completing a defensive driving course can reduce your premium by up to 10%, and this discount remains active for three years.
| Geico | $101 | $1,213 | -42% |
| State Farm | $119 | $1,424 | -32% |
| AAA | $121 | $1,455 | -30% |
| Progressive | $124 | $1,487 | -29% |
| Wawanesa Insurance | $144 | $1,727 | -17% |
GEICO offers the most affordable coverage at $98 monthly for minimum limits if you have a DUI. For speeding tickets, AAA is the cheapest at $53 per month, followed by GEICO at $61. At-fault accidents also see AAA as the cheapest option at $53 monthly, with GEICO again taking second place at $72.
| At-Fault Accident | AAA | $53 | -54% |
| At-Fault Accident | Geico | $73 | -37% |
| DUI | Geico | $98 | -43% |
| DUI | Progressive | $121 | -30% |
| Speeding Ticket | AAA | $53 | -50% |
| Speeding Ticket | Geico | $61 | -43% |
Your specific ZIP code matters. The difference is striking: drivers in 95821 face monthly premiums around $178, while those in 95819 pay just $132 for the same full coverage. That $46 gap exists because insurers analyze data for each ZIP code when setting prices.
| 95821 | $178 |
| 95864 | $175 |
| 95826 | $174 |
| 95831 | $165 |
| 95832 | $159 |
| 95823 | $158 |
| 95815 | $157 |
| 95824 | $157 |
| 95838 | $156 |
| 95814 | $152 |
| 95819 | $132 |
| 95818 | $135 |
| 95835 | $139 |
| 95816 | $140 |
| 95837 | $142 |
| 95836 | $142 |
| 95830 | $142 |
| 95822 | $143 |
| 95834 | $145 |
| 95833 | $147 |
Progressive takes the top spot in Sacramento with a MoneyGeek score of 91 out of 100. This insurer excels by delivering comprehensive coverage options alongside good customer service.
Geico, AAA, State Farm and Auto-Owners round out the top five options worth considering. These companies each bring their own strengths.
| 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 |
Top-ranked provider with comprehensive coverage options
Snapshot program rewards safe driving habits
Accepts high-risk drivers others may decline
Higher rates for younger drivers than competitors
Expensive add-ons may inflate basic coverage needs
Longer customer service wait times reported
Progressive excels at customer service with 24/7 claims support and a digital platform for managing policies. It has competitive rates for violation drivers and comprehensive coverage for auto theft and vandalism.
Fast claims processing and uninsured motorist coverage address local risks. The Snapshot program helps safe drivers cut premiums based on actual driving behavior.
Cheapest rates for all driver types
AI-powered mobile app speeds claims processing
DriveEasy rewards safe driving with discounts
Limited local agents for face-to-face service
No ride-share coverage for Uber/Lyft drivers
Claims processing delays possible during peak periods
GEICO combines competitive affordability with comprehensive coverage that addresses local risks. The company offers the lowest rates for young drivers, senior drivers and those with accidents and DUI convictions.
GEICO's digital platform enables 24/7 claims filing and tracking, while its roadside assistance helps with tire blowouts. It provides comprehensive coverage for wildfire damage and theft.
Sacramento drivers can find affordable coverage.
Combine auto with home or renters insurance for 15% to 25% savings. Stack multi-car discounts (10% to 25% per vehicle) with good driver and paperless billing discounts. Sacramento drivers often achieve 30% to 40% total savings through bundling.
Increasing your deductible from $500 to $1,000 typically reduces premiums by 10% to 15% annually. Only select an amount you can comfortably pay out-of-pocket.
Insurance companies regularly adjust rates based on Sacramento's changing risk factors and claims data. Your driving record also improves after three years without incidents.
Our team analyzed Sacramento insurance options to help you find affordable coverage that fits your budget.
Sacramento car insurance runs about $151 monthly for full coverage. While that's not cheap, it's reasonable compared to other California cities. Granada Hills tops the state at $243 per month, while Weed offers the lowest rates at just $47 monthly.
Finding affordable car insurance in Sacramento starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and California’s insurance requirements all shape your premium.
We partnered with the California Department of Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Sacramento ZIP code.
Our ratings for the best car insurance in Sacramento are calculated using a weighted score that incorporates affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across Sacramento neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
