Compare the Cheapest Car Insurance Quotes in Sacramento, CA

Drivers in Sacramento pay an average of $1,455 per year for car insurance. This figure is higher than the state average by $26. The cheapest car insurance provider in the city is Progressive, with an average cost of $1,038 per year. MoneyGeek calculated insurance rates across different coverage levels and driving profiles to help you find affordable, quality coverage for your insurance needs.

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Last Updated: 5/16/2022
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On average, Progressive is the cheapest insurer in Sacramento for full-coverage and liability insurance, while Esurance is the cheapest for drivers with a speeding ticket on their record. Military members and their families qualify for USAA's policies, also rank among the cheapest in the city. Regardless, MoneyGeek chose AAA as the best car insurance company in the city for its excellent service and affordability.

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The Cheapest and Best Car Insurance in Sacramento

The Cheapest Car Insurance Companies in Sacramento

The following two companies offer the most affordable full-coverage insurance policies in Sacramento, on average:

  • Progressive: $1,038 per year
  • Esurance: $1,136 per year

Only military members and their families are eligible for USAA's policies, which average at $1,218 per year.

Progressive's average insurance quote is the city’s cheapest, costing almost 71% less than a comparable average rate from Travelers, the most expensive insurer in Sacramento. A full-coverage insurance policy has a combination of coverages, which includes comprehensive and collision coverages. However, the prices vary based on the amount of liability coverage limits you select.

Cheapest Car Insurance in Sacramento
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Progressive
    $1,038
  • 2.
    Esurance
    $1,136
  • 3.
    USAA
    $1,218
  • 4.
    GEICO
    $1,234
  • 5.
    CSAA
    $1,324
  • 6.
    State Farm
    $1,452
  • 7.
    Mercury
    $1,504
  • 8.
    Allstate
    $1,506
  • 9.
    MetLife
    $1,512
  • 10.
    Farmers
    $1,580
  • 11.
    Hartford
    $1,678
  • 12.
    Allied
    $1,713
  • 13.
    Travelers
    $1,780

MoneyGeek used average rates for a 40-year-old male driver with a full-coverage insurance policy for this study. A full-coverage policy contains the following two policies, in addition to liability insurance, and is more expensive than a liability-only policy.

  • Collision Coverage: This insurance protects your car from damage caused by a collision with another vehicle or object.
  • Comprehensive Coverage: Comprehensive coverage protects your vehicle against damages not caused by a collision, such as weather damages and theft.

If the cost of a full-coverage car insurance policy exceeds the car's value, especially if the car is older, state minimum insurance or liability insurance may be a better option.

Compare Car Insurance Rates in Sacramento

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

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Cheapest Car Insurance in Sacramento for Minimum Coverage

The cheapest insurance in Sacramento also provides the minimum level of necessary protection. The following insurance carriers offer the most affordable minimum liability insurance in the city, on average:

  • Progressive: $442 per year
  • CSAA: $497 per year

If you come from a military family, USAA’s average rate of $506 is another low-cost alternative.

Progressive's policy is $392 less per year than Hartford's, which costs $834 on average for a similar policy. Because of the lower coverage limits, minimum coverage policies are less expensive. However, you will be underinsured if you cause a car accident and do not have comprehensive and collision coverages. As seen in the table below, increases in liability limitations affect insurance rates.

Cheapest Minimum Liability Car Insurance in Sacramento
State Minimum

California's drivers must have a minimum of 15/30/5 liability car insurance. Although this is the cheapest insurance in Sacramento, it also offers the least protection. For example, you will have more financial obligations if you are at fault in an accident.

For example, if you cause an accident and the property damage to the other driver costs $15,000, your liability insurance will only reimburse you $5,000 for the losses. You will have to pay $10,000 out of pocket.

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.

Cheapest Car Insurance in Sacramento if You Have Driving Violations

If you get penalized for speeding or driving under the influence (DUI), your car insurance premiums in Sacramento will increase. The following list details the city's lowest insurance policies after some of the most common traffic violations:

  • Cheapest After a Ticket: Esurance, $1,442 per year
  • Cheapest After an At-Fault Accident: Esurance, $1,791 per year
  • Cheapest After a DUI: Mercury, $2,469 per year

It is possible to improve your driving record and reduce your insurance prices, regardless of the violation. Look around for the best insurance rates after receiving a traffic ticket or being involved in an accident.

Cheapest Car Insurance in Sacramento With a Violation
Speeding Ticket

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.

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.

Compare Car Insurance Rates in Sacramento

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

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Insurance Rates

The Best Car Insurance Companies in Sacramento

MoneyGeek evaluated Sacramento's car insurance companies for their service quality and affordability. According to our study, the following companies provide the best auto insurance in the city:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

However, USAA was the clear winner in Sacramento and received the highest ratings. We did not include the company in our best overall list, however, as its policies are only available to military personnel and their families.

MoneyGeek conducted this research using J.D. Power's affordability, customer satisfaction and financial stability ratings.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

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

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.

accident2 icon
Most Accidents With Fatalities81st/300
handcuffs2 icon
Most Car Thefts206th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall211th/300
umbrella icon
Most Rainy Days232nd/300

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.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.