Updated: February 16, 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 the cheapest for full coverage at $101 monthly. Most insurers offer accident forgiveness programs for drivers 65 and older. Completing a defensive driving course can reduce your premium by as much as 10%.
| 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 costs $98 per month for minimum coverage if you have a DUI on your record. AAA costs $53 per month after a speeding ticket, while GEICO costs $61. After an at-fault accident, AAA costs $53 per month and GEICO costs $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 |
Comprehensive coverage
Snapshot program rewards safe driving habits
Accepts high-risk drivers
Higher rates for younger drivers
Expensive add-ons
Longer customer service wait times
Progressive offers 24/7 claims support and a digital platform for policy management. It has competitive rates for violation drivers and comprehensive coverage for auto theft and vandalism. Progressive also offers you fast claims processing and uninsured motorist coverage.
Cheapest rates
AI-powered mobile app
DriveEasy rewards safe driving
Limited local agents
No ride-share coverage for Uber/Lyft drivers
Claims processing delays
GEICO combines competitive affordability with comprehensive coverage. 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 covers 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.
