Updated: December 16, 2025
Advertising & Editorial Disclosure
GEICO leads as most affordable for diverse driver types. Full coverage runs $94 monthly while minimum coverage costs just $40, delivering 18% savings compared to Sacramento's average rates.
AAA ranks as runner-up for affordability with $103 monthly for full coverage and $42 for minimum coverage. This insurer offers especially competitive rates for drivers with an accident or drivers with a speeding ticket.
Progressive stands out for high-risk categories, offering the most competitive options for drivers with a DUI while maintaining solid rates across other driver profiles.
Cheapest by Coverage and Driver Profile in Sacramento:
Sacramento drivers looking for affordable coverage can choose GEICO, with the cheapest minimum coverage at $40 monthly, saving drivers about 41% compared to the city average. AAA follows closely at $42 per month with 36% savings.
Full coverage rates show GEICO at $94 monthly, again delivering 41% savings versus typical Sacramento rates. Progressive comes in second for comprehensive protection at $101 per month.
| 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 the most affordable with rates at $177 monthly, while State Farm follows at $192 and Wawanesa rounds out the top three at $199. Remaining on your parents' policy instead of going solo can 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 the most affordable full coverage at $101 monthly, followed by State Farm at $118 and AAA at $121. Most insurers provide accident forgiveness programs specifically for drivers 65 and older, helping 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 that allows drivers to manage policies. The company offers competitive rates for drivers with violations and provides comprehensive coverage for auto theft and vandalism.
Its fast claims processing and uninsured motorist coverage cater to local risks. Its Snapshot program helps safe drivers reduce premiums based on actual driving behavior.
Most affordable rates for all driver types
AI-powered mobile app speeds up claims processing
DriveEasy program rewards safe driving with discounts
Limited local agent availability for face-to-face service
No ride-share coverage for Uber/Lyft drivers
Potential claims processing delays 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. 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
