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.
bestauto insuranceSacramento2021The Cheapest and Best Car Insurance in Sacramento
Cheapest Overall - Progressive
Best Overall - AAA
Cheapest State Minimum - Progressive
Cheapest With a Driving Violation - Esurance
The Cheapest Car Insurance Companies in Sacramento
The insurance companies that provide the lowest rates for a full coverage policy in Sacramento are:
- Progressive: $1,038 per year
- Esurance: $1,136 per year
The average car insurance prices for Sacramento drivers are derived from a sample 40-year-old driver with full coverage. In this scenario, the driver’s policy includes liability insurance and comprehensive and collision coverage.
Scroll for more
- CompanyAmountper year
- 1.$1,038
- 2.$1,136
- 3.$1,218
- 4.$1,234
- 5.CSAA$1,324
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.
The Best Car Insurance Companies in Sacramento
If you are a driver shopping for car insurance coverage that balances quality service and affordability, MoneyGeek ranked the best companies in Sacramento to help you make the right choice. Based on these scores, the best providers for most drivers are:
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA received the highest score in Sacramento by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek’s scoring system encompassed various factors, including financial stability, user satisfaction and affordability scores from J.D. Power.
1
USAA
Score:100
2
Auto Club of Southern California Insurance Group
Score:90
3
GEICO
Score:90
4
Wawanesa
Score:88
5
State Farm
Score:88
6
Ameriprise
Score:85
7
Hartford
Score:85
8
Progressive
Score:83
9
Allstate
Score:83
10
Safeco
Score:80
11
CSAA
Score:78
12
Liberty Mutual
Score:78
13
Farmers
Score:78
14
Mercury
Score:78
15
Nationwide
Score:75
16
Kemper
Score:70
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.
Shopping around for car insurance in Sacramento could save you $417, which is enough to buy:
139Cups of Coffee
32Months of Your Favorite Streaming Service
Cheapest Car Insurance in Sacramento by Coverage Amount
In Sacramento and elsewhere, the amount of car insurance coverage you buy dictates your premiums. For example, a policy that only meets the state’s minimum requirements costs an average of $684 per year. On the other hand, a full coverage policy with higher limits costs $1,455 annually, $770 more.
California Minimum Liability Requirements
- ItemDescription
- 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: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$442$615
- 2.$506$661
- 3.$513$706
- 4.$625$753
- 5.CSAA$497$641
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$941$1,038
- 2.$1,142$1,218
- 3.$1,122$1,234
- 4.$1,083$1,136
- 5.CSAA$1,258$1,324
Cheapest Car Insurance in Sacramento if You Have Driving Violations
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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$1,442$1,791$2,839
- 2.$1,983$2,158$2,487
- 3.$1,823$2,075$2,901
- 4.$1,332$2,129$3,457
- 5.$1,974$2,610$2,469
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 CodeState Minimumper year
- 95831$1,260
- 95822$1,459
- 95823$1,542
- 95828$1,557
top ratedCar Insurance agentsSacramento2021Top Agents Offering Affordable Car Insurance in Sacramento
1. Farmers Insurance - Ken Smalley1851 Heritage Ln, Ste 297, Sacramento, CA, 95815
2. Farmers Insurance - Asher Styrsky706 56th St, Ste 150, Sacramento, CA, 95819
3. Sky Insurance Brokers1501 El Camino Ave, Ste 1, Sacramento, CA, 95815
4. Moira Little - State Farm Insurance Agent9700 Business Park Dr, Ste 304, Sacramento, CA, 95827
5. Leland Insurance Agency910 Florin Rd, Ste 108, Sacramento, CA, 95831
Insurance Providers That Serve Sacramento
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.
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
