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Average Cost of Car Insurance in Sacramento

Sacramento$1,455
California$1,429
U.S.$1,424

On average, the yearly cost of car insurance in Sacramento is a bit higher than the state and national averages. The average rate in this city is $1,455, which is about 1.8% higher than the California average and around 2.1% higher than the U.S. average.

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The Best Cheap Car Insurance Companies in Sacramento

There can be a wide difference between the costs of a city’s cheapest and most expensive car insurance providers. For instance, in Sacramento, Progressive is the most affordable auto insurance firm and its coverage is an average of $742 cheaper per year than Travelers, the city’s costliest auto coverage provider.

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Personalized Quotes to Get You the Cheapest Car Insurance in Sacramento

To determine car insurance quotes in Sacramento, providers consider a number of aspects. These aspects include your age and gender, driving experience, miles driven per year and more. In Sacramento, State Farm policies for 18-year-olds are nearly twice as expensive as its policies for 40-year-olds. Drivers should get an individualized quote at regular intervals to increase their chances of finding coverage at reasonable rates.

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Cheapest Car Insurance in Sacramento by Coverage Amount

How much car insurance coverage you purchase in Sacramento also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

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California Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.

Progressive offers both 50/100/50 full-coverage and liability-only packages in Sacramento. The full-coverage policy is more expensive but it will also pay for your own expenses if you cause an accident. This package costs an average of $326 more than a liability-only plan, but the extra amount is a good investment considering the number of additional benefits you get.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Sacramento if You Have Tickets

Drivers should avoid violations like speeding tickets and DUIs, not only to increase your safety but also to reduce your car insurance premium. For instance, in Sacramento, Esurance policyholders with a DUI pay an average of $1,703 more annually for their coverage. Esurance drivers with a speeding ticket end up paying an average of $306 more per year for their policy.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • $1,442
    $1,791
    $2,839
  • $1,983
    $2,158
    $2,487
  • $1,823
    $2,075
    $2,901
  • 4. USAA
    $1,332
    $2,129
    $3,457
  • $1,974
    $2,610
    $2,469
  • $2,170
    $2,712
    $2,712
  • 7. CSAA
    $1,660
    $1,660
    $4,727
  • $2,134
    $2,222
    $4,457
  • 9. Allied
    $2,401
    $2,759
    $4,148
  • $2,129
    $2,689
    $4,791
  • $2,673
    $2,968
    $3,713
  • $2,672
    $3,778
    $6,290
  • $1,956
    $2,542
    $9,503

Average Cost of Car Insurance by Postal Code

Auto insurance rates vary by region, too. ZIP codes with high numbers of auto accidents, car thefts and uninsured motorists will increase your car insurance costs. In Sacramento, the 95831 neighborhood is the cheapest for auto insurance — you’ll pay nearly $300 less here in yearly premiums compared to the most expensive ZIP code, which is the 95828 neighborhood.

  • Zip Code
    State Minimumper year
  • 95831
    $1,260
  • 95822
    $1,459
  • 95823
    $1,542
  • 95828
    $1,557
iconribbontop ratedCar Insurance agentsSacramento2021

Top Agents Offering Affordable Car Insurance in Sacramento

1. Farmers Insurance - Ken Smalley1851 Heritage Ln, Ste 297, Sacramento, CA, 95815
22 ratings
2. Farmers Insurance - Asher Styrsky706 56th St, Ste 150, Sacramento, CA, 95819
14 ratings
3. Sky Insurance Brokers1501 El Camino Ave, Ste 1, Sacramento, CA, 95815
9 ratings
4. Moira Little - State Farm Insurance Agent9700 Business Park Dr, Ste 304, Sacramento, CA, 95827
9 ratings
5. Leland Insurance Agency910 Florin Rd, Ste 108, Sacramento, CA, 95831
9 ratings

Factors That Impact Insurance Costs in Sacramento

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Sacramento. How Sacramento ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

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Most Accidents With Fatalities81st/300
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Most Car Thefts206th/300
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Most Uninsured Motorists by State12th/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall211th/300
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Most Rainy Days232nd/300

Shopping around for car insurance in Sacramento could save you $417, which is enough to buy:


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139Cups of Coffee
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32Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for Sacramento are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in Sacramento

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.