Cheapest and Best Car Insurance Companies in Sacramento, CA


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ByMark Fitzpatrick
Edited byJonathan Ramos
ByMark Fitzpatrick
Edited byJonathan Ramos

Updated: May 20, 2024

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Your driver profile and specific needs will determine which car insurance company is the cheapest. GEICO offers the cheapest minimum and full coverage policies and is the most affordable provider for teen drivers. National General is the cheapest provider if you have driving violations, while USAA offers the lowest rates if you have a military background.

Meanwhile, Chubb offers the best customer service, while GEICO is the best overall and best cheap insurer.

MoneyGeek Logo IconCheapest + BestCar InsuranceSacramento
2024

Cheapest and Best Car Insurance in Sacramento, CA

Why Trust MoneyGeek? Sacramento car insurance quotes in this study were obtained from Quadrant Information Services and the California Department of Insurance. MoneyGeek also collected data regarding financial stability, affordability, customer satisfaction and claims experience.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Liability Car Insurance in Sacramento

The cheapest minimum coverage policies in Sacramento are offered by:

  • GEICO: $360 per year
  • CSAA: $429 per year

Chubb is the most expensive provider for minimum coverage at about $789 per year.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$360Monthly Premium$30
CSAAAnnual Premium$429Monthly Premium$36
ProgressiveAnnual Premium$450Monthly Premium$38
MercuryAnnual Premium$479Monthly Premium$40
State FarmAnnual Premium$514Monthly Premium$43
KemperAnnual Premium$552Monthly Premium$46
TravelersAnnual Premium$558Monthly Premium$47
NationwideAnnual Premium$564Monthly Premium$47

In California, a minimum coverage policy only covers bodily injury liability and property damage liability.

The minimum limits required by California law are:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

A minimum coverage policy only covers the cost of bodily injuries to others up to a maximum of $15,000 per person and $30,000 per accident. This means you will be liable for any injuries above these limits. For example, if you cause an accident with $50,000 in third-party injuries, the insurer will pay $30,000 and you’ll pay the remaining $20,000.

Cheapest Full Coverage Car Insurance in Sacramento

The cheapest companies for full coverage car insurance in Sacramento are:

  • GEICO: $979 per year
  • Progressive: $992 per year

Chubb charges around $1,893 per year for a full coverage policy, making it the most expensive choice.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$979Monthly Premium$82
ProgressiveAnnual Premium$992Monthly Premium$83
National GeneralAnnual Premium$1,016Monthly Premium$85
MercuryAnnual Premium$1,170Monthly Premium$98
State FarmAnnual Premium$1,199Monthly Premium$100
CSAAAnnual Premium$1,217Monthly Premium$101
AllstateAnnual Premium$1,334Monthly Premium$111
NationwideAnnual Premium$1,379Monthly Premium$115

Full coverage policies add comprehensive and collision insurance to your liability coverage.

  • Collision Insurance: This covers damage to your vehicle due to covered on-road incidents like a collision with another car.
  • Comprehensive Insurance: This will pay for damage to your vehicle from non-collision incidents like theft, vandalism or weather.

If you have an older vehicle, the additional costs of full coverage policies may not be worth it since you will pay hundreds more each year to insure a low-value car.

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Cheapest Car Insurance in Sacramento After a Driving Offense

The cheapest car insurance companies in Sacramento after a driving violation are:

  • Speeding ticket: National General ($1,067 per year)
  • At-fault accident: National General ($1,507 per year)
  • DUI: National General ($1,067 per year)

The most expensive companies for drivers with offenses are Chubb at around $2,486 per year for a speeding ticket, The Hartford at roughly $5,315 per year for a DUI and Kemper at about $3,117 per year for an at-fault accident.

Driving violations impact car insurance rates significantly. Even the cheapest rates for a bad record will still be much higher than rates for a driver with a clean record.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,067Monthly Premium$89
GEICOAnnual Premium$1,467Monthly Premium$122
CSAAAnnual Premium$1,536Monthly Premium$128
MercuryAnnual Premium$1,543Monthly Premium$129
Capital Insurance GroupAnnual Premium$1,592Monthly Premium$133
State FarmAnnual Premium$1,783Monthly Premium$149
ProgressiveAnnual Premium$1,866Monthly Premium$155
KemperAnnual Premium$1,882Monthly Premium$157

You may pay higher rates for more severe violations when shopping for the cheapest car insurance with a bad driving record. For instance, Sacramento drivers with accidents on their records typically pay around $440 per year more than those with speeding tickets.

Cheapest Car Insurance in Sacramento for Teens and Their Families

The cheapest auto insurance companies in Sacramento for teen drivers on a family policy are:

  • GEICO: $2,724 per year for teen girls, $2,846 per year for teen boys
  • State Farm: $2,982 per year for teen girls and boys

Kemper is the most expensive company for adding teens to a family policy, charging roughly $5,925 per year for both boys and girls.

GEICO’s rates for teen boys are $122 higher than those for teen girls because teen boys are considered riskier to insure, but the difference in rates only lasts until early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICOFamily Plan Annual Premium$2,724Individual Plan Monthly Premium$5,155
State FarmFamily Plan Annual Premium$2,982Individual Plan Monthly Premium$5,373
FarmersFamily Plan Annual Premium$3,397Individual Plan Monthly Premium$6,042
Capital Insurance GroupFamily Plan Annual Premium$3,486Individual Plan Monthly Premium$4,147
ProgressiveFamily Plan Annual Premium$3,507Individual Plan Monthly Premium$6,472
AllstateFamily Plan Annual Premium$3,598Individual Plan Monthly Premium$7,348
TravelersFamily Plan Annual Premium$4,310Individual Plan Monthly Premium$5,651
NationwideFamily Plan Annual Premium$5,518Individual Plan Monthly Premium$12,654

Car insurance rates are much higher for teens purchasing an individual policy. Therefore, a family policy is the best option if you are looking for the cheapest car insurance for teen drivers.

In Sacramento, an individual teen policy costs around $673 more per year than the average annual premium to add a teen to a family policy, which costs around $3,825 annually.

Cheapest Car Insurance in Sacramento for Military Drivers

The cheapest car insurance companies in Sacramento for active duty or veteran military families are:

  • USAA: $864 per year
  • GEICO: $979 per year

If you are looking for cheap military car insurance, GEICO and USAA also offer the most affordable rates for minimum coverage at around $360 and $367 per year, respectively.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$864Monthly Premium$72
GEICOAnnual Premium$979Monthly Premium$82
ProgressiveAnnual Premium$992Monthly Premium$83
National GeneralAnnual Premium$1,016Monthly Premium$85
MercuryAnnual Premium$1,170Monthly Premium$98
State FarmAnnual Premium$1,199Monthly Premium$100
CSAAAnnual Premium$1,217Monthly Premium$101
AllstateAnnual Premium$1,334Monthly Premium$111

How to Compare Cheap Sacramento Car Insurance Quotes Online

You can get a car insurance quote online in Sacramento, but you will need to provide a lot of personal information, and the process can take more than 15 minutes for each company.

MoneyGeek’s car insurance calculator helps you get a quick estimate based on your age, driving history, coverage level and type of vehicle.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 13, 2024

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Best Car Insurance in Sacramento: Summary

The best car insurance company in Sacramento for you will depend on how you value service coverage, affordability and other factors.

These are our top-ranked car insurance companies in Sacramento, CA:

  • Best overall: GEICO (MoneyGeek score 75 out of 100)
  • Best for service: Chubb (MoneyGeek score 76 out of 100)
  • Best cheap: GEICO (MoneyGeek score 78 out of 100)

MoneyGeek scores for a particular provider may vary based on how factors in each category are weighted.

GEICO is the best overall provider in Sacramento, but AAA ranks as the best car insurance in California with a MoneyGeek score of 84 out of 100. The best provider may vary based on location, impacting rates and affecting affordability scores.

USAA is one of Sacramento’s top car insurance companies, with a MoneyGeek score of 84 out of 100.

Best Overall Car Insurance in Sacramento

The best car insurance companies in Sacramento are:

  • GEICO: MoneyGeek score 75 out of 100 ($979 per year)
  • Progressive: MoneyGeek score 74 out of 100 ($992 per year)

GEICO ranked first for affordability in the comparison group and received solid customer satisfaction scores, indicating that policyholders get a balance of affordability and quality service.

USAA is the top provider in Sacramento for drivers with a military background, with an overall MoneyGeek score of 84 out of 100.

How was this MoneyGeek score calculated?

GEICO

pros

checkmark

Ranked first in affordability

checkmark

Above-average customer satisfaction score

checkmark

Offers mechanical breakdown insurance

cons

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Below-average claims experience score

COMPANY HIGHLIGHTS

GEICO scores well in affordability and customer service, making it the best insurer in Sacramento for drivers seeking a balance of service quality and affordable premiums. This provider also offers a handful of coverage options.

GEICO's mechanical breakdown insurance (MBI) provides better protection than a dealer’s extended warranty by covering all parts and systems in your vehicle at a lower cost. However, this coverage is only available if you have a new car that is less than 15 months old and has less than 15,000 miles.

If you have a classic or antique car, GEICO can provide coverage similar to what you would get with a standard policy, including liability coverage, uninsured and underinsured motorist coverage and personal injury protection.

Essential coverages like roadside assistance for emergency services and rental car coverage are also available.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Sacramento for Customer Service

MoneyGeek found that the best car insurance companies in Sacramento for customer service when excluding cost as a factor are:

  • Chubb: MoneyGeek score 76 out of 100 ($1,893 per year)
  • Capital Insurance Group: MoneyGeek score 68 out of 100 ($1,389 per year)

Chubb ranked first for claims management and second for customer satisfaction in the comparison group, so policyholders can expect excellent service from this provider. However, it’s worth noting that Chubb’s rates are the most expensive out of the 15 companies analyzed, so you will be paying a higher price for the best service.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

Ranked first in claims experience

checkmark

Ranked second in customer satisfaction

checkmark

Offers original equipment manufacturer (OEM) coverage

cons

close

Very few coverage options

COMPANY HIGHLIGHTS

Chubb is the best auto insurance company in Sacramento for drivers prioritizing service quality over cost. This insurer boasts an excellent track record in claims and customer satisfaction, but it also has the most expensive policies in the city.

Chubb offers a few valuable add-on options, including original equipment manufacturer (OEM) coverage. This ensures that repairs or replacements will be done with original manufacturer parts (not aftermarket or third-party parts) in case your car gets damaged.

Chubb’s classic car insurance is available for cars that are older than 30 years, part of a collection or limited production models, providing liability, underinsured or uninsured motorist and medical coverage.

The insurer also offers rental car or travel reimbursement coverage. This add-on will ensure compensation for travel expenses incurred while your vehicle is in the shop for repairs.

Best Cheap Car Insurance in Sacramento

Based on affordability and service quality for minimum coverage policies in California, the best cheap car insurance companies in Sacramento are:

  • GEICO: MoneyGeek score 78 out of 100 ($360 per year)
  • Progressive: MoneyGeek score 69 out of 100 ($450 per year)

If you’re looking for affordable car insurance rates, opting for the cheapest minimum coverage policies can be tempting. However, it is essential to remember that these policies come with a trade-off. While they have lower premiums, they offer limited third-party liability protection and won’t cover any damages to your car.

How was this MoneyGeek score calculated?

GEICO

pros

checkmark

An affordable minimum coverage policy costs $360 per year

checkmark

Safe driving, defensive driving and new vehicle discounts

checkmark

Ranks fifth for customer satisfaction

cons

close

Low claims experience score

COMPANY HIGHLIGHTS

GEICO is the best cheap car insurance company in Sacramento. This insurer ranked first for affordability and also received good customer satisfaction ratings, so you do not have to sacrifice service quality for affordability.

GEICO’s wide range of discounts can help you get even cheaper rates. Standard discounts you can take advantage of include those for insuring multiple cars, bundling home and auto policies and having airbags installed. You will also be eligible for a safe driving discount if you maintain a clean record for five or more years.

GEICO offers unique discounts for installing safety equipment in your car, such as anti-lock brakes, an anti-theft system or daytime running lights. GEICO’s affinity discounts are available for federal employees, teachers and military members.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Sacramento

The average cost of car insurance in Sacramento is approximately $1,331 per year for a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability.

Drivers in Sacramento pay $56 less annually than the average cost of car insurance in California, which is around $1,387 per year as of October 2022. However, compared to the average national cost of car insurance, rates in Sacramento are roughly $66 higher.

Although it is not the only factor insurance companies consider, your location significantly impacts policy rates.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.