Best Sacramento, CA Car Insurance in 2024
Car insurance in Sacramento, CA averages $342 a month. Sacramento, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Sacramento car insurance rates, compare quotes from the top car insurance companies in Sacramento, CA.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest ZIP code in Sacramento is 95831
- The cheapest car insurance company in Sacramento is USAA
- Average car insurance rates in Sacramento, CA after a DUI are $5,760/year
If you need to buy Sacramento, California car insurance, the options can be confusing. Everything you need to know about car insurance in Sacramento, CA is right here.
You’ll find Sacramento car insurance rates, the cheapest Sacramento, CA car insurance companies, and information on California car insurance laws. You can also compare Sacramento, California car insurance rates to Fresno car insurance rates, Long Beach car insurance rates, and Oakland car insurance rates.
Ready to find affordable Sacramento, CA car insurance today? Enter your ZIP code for fast, free Sacramento car insurance quotes.
Cheapest Sacramento, CA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Sacramento, CA car insurance rates? Every Sacramento, California car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,311 | $3,308 | $2,404 | $2,420 | $9,144 | $11,488 | $4,212 | $4,607 |
| Farmers | $3,248 | $3,248 | $2,931 | $2,931 | $10,370 | $16,968 | $3,849 | $4,286 |
| Geico | $1,858 | $1,859 | $1,748 | $1,748 | $5,631 | $5,727 | $2,665 | $2,727 |
| Liberty Mutual | $2,604 | $2,466 | $2,413 | $2,339 | $5,666 | $6,033 | $2,938 | $2,963 |
| Nationwide | $3,660 | $3,493 | $3,207 | $3,022 | $9,297 | $10,285 | $4,367 | $4,310 |
| Progressive | $1,804 | $1,856 | $1,542 | $1,826 | $4,843 | $5,826 | $2,607 | $2,802 |
| State Farm | $3,755 | $3,755 | $3,356 | $3,356 | $6,922 | $8,605 | $4,154 | $4,281 |
| Travelers | $2,724 | $2,636 | $2,399 | $2,374 | $5,668 | $6,465 | $3,547 | $3,473 |
| USAA | $2,039 | $1,930 | $1,990 | $1,996 | $4,666 | $4,687 | $2,817 | $2,661 |
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Minimum Car Insurance in Sacramento, CA
Every driver must carry the minimum car insurance in Sacramento, CA. Take a look at the California car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
Cheapest Sacramento, CA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Sacramento, CA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,076 | $5,169 | $8,165 | $4,037 |
| Farmers | $4,423 | $6,020 | $7,495 | $5,977 |
| Geico | $2,096 | $3,228 | $4,058 | $2,600 |
| Liberty Mutual | $2,975 | $3,987 | $3,597 | $3,152 |
| Nationwide | $3,627 | $4,655 | $7,884 | $4,655 |
| Progressive | $1,888 | $3,216 | $3,727 | $2,721 |
| State Farm | $3,406 | $4,062 | $7,671 | $3,953 |
| Travelers | $2,429 | $3,987 | $4,631 | $3,595 |
| USAA | $1,891 | $2,818 | $4,613 | $2,072 |
Cheapest Sacramento, CA Car Insurance for Teen Drivers
Teen car insurance in Sacramento, CA can be expensive. Take a look at rates from the top car insurance companies in Sacramento for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,144 | $11,488 |
| Farmers | $10,370 | $16,968 |
| Geico | $5,631 | $5,727 |
| Liberty Mutual | $5,666 | $6,033 |
| Nationwide | $9,297 | $10,285 |
| Progressive | $4,843 | $5,826 |
| State Farm | $6,922 | $8,605 |
| Travelers | $5,668 | $6,465 |
| USAA | $4,666 | $4,687 |
Cheapest Sacramento, CA Car Insurance for Seniors
Take a look at Sacramento, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,404 | $2,420 |
| Farmers | $2,931 | $2,931 |
| Geico | $1,748 | $1,748 |
| Liberty Mutual | $2,413 | $2,339 |
| Nationwide | $3,207 | $3,022 |
| Progressive | $1,542 | $1,826 |
| State Farm | $3,356 | $3,356 |
| Travelers | $2,399 | $2,374 |
| USAA | $1,990 | $1,996 |
Cheapest Sacramento, CA Car Insurance Rates After a DUI
A DUI in Sacramento, CA increases car insurance rates. Compare Sacramento, California DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $8,165 |
| Farmers | $7,495 |
| Geico | $4,058 |
| Liberty Mutual | $3,597 |
| Nationwide | $7,884 |
| Progressive | $3,727 |
| State Farm | $7,671 |
| Travelers | $4,631 |
| USAA | $4,613 |
Cheapest Sacramento, CA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Sacramento, CA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,598 | $5,625 |
| Farmers | $5,424 | $6,534 |
| Geico | $2,721 | $3,270 |
| Liberty Mutual | $3,146 | $3,710 |
| Nationwide | $4,596 | $5,814 |
| Progressive | $2,620 | $3,156 |
| State Farm | $4,598 | $4,949 |
| Travelers | $3,290 | $4,031 |
| USAA | $2,624 | $3,072 |
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Cheapest Sacramento, CA Car Insurance Rates by ZIP Code
Sacramento car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Sacramento, CA.
| ZIP Code | Average Annual Rates |
|---|---|
| 95811 | $5,850 |
| 95814 | $5,791 |
| 95815 | $5,919 |
| 95816 | $5,582 |
| 95817 | $5,700 |
| 95818 | $5,507 |
| 95819 | $5,174 |
| 95820 | $5,770 |
| 95822 | $5,609 |
| 95823 | $5,964 |
| 95824 | $6,057 |
| 95830 | $5,427 |
| 95831 | $5,081 |
| 95832 | $5,867 |
| 95833 | $5,734 |
| 95834 | $5,718 |
| 95835 | $5,510 |
| 95836 | $5,668 |
| 95837 | $5,381 |
| 95838 | $6,031 |
The Best Cheap Car Insurance Companies in Sacramento, CA
Take a look at a side-by-side comparison of the top car insurance companies in Sacramento, CA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,112 |
| Farmers | $5,979 |
| Geico | $2,995 |
| Liberty Mutual | $3,428 |
| Nationwide | $5,205 |
| Progressive | $2,888 |
| State Farm | $4,773 |
| Travelers | $3,661 |
| USAA | $2,848 |
Category Winners: Cheapest Car Insurance in Sacramento, California
Find the cheapest car insurance companies in Sacramento, CA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Progressive |
| Clean Record | Progressive |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
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Cheapest Sacramento, CA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Sacramento car insurance rates. Find the cheapest Sacramento, CA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,795 | $5,161 | $5,379 |
| Farmers | $5,558 | $6,027 | $6,351 |
| Geico | $2,699 | $3,030 | $3,256 |
| Liberty Mutual | $3,197 | $3,458 | $3,629 |
| Nationwide | $4,645 | $5,299 | $5,671 |
| Progressive | $2,569 | $2,980 | $3,115 |
| State Farm | $4,269 | $4,858 | $5,193 |
| Travelers | $3,179 | $3,760 | $4,042 |
| USAA | $2,571 | $2,906 | $3,067 |
What affects car insurance rates in Sacramento, California?
What factors can have an impact on Sacramento, CA car insurance? There are several reasons why Sacramento car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Sacramento, California.
Car Theft in Sacramento
High levels of vehicle theft can make car insurance more expensive. Sacramento, CA car theft statistics from the FBI indicate 2,883 vehicle thefts a year.
Commute Time in Sacramento
The more time you spend in your car the higher the risk of an accident. The average commute length in Sacramento, CA is 12.3 minutes according to City-Data.
Traffic in Sacramento
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Sacramento, CA traffic data from INRIX ranks Sacramento as the 330th-most congested in the world.
Compare Car Insurance Quotes in Sacramento, CA
Ready to find affordable Sacramento, California car insurance today? Enter your ZIP code for fast, free Sacramento, CA car insurance quotes.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
What factors influence car insurance rates in Sacramento, CA?
Several factors affect car insurance rates in Sacramento, CA, including the driver’s age, driving history, type of vehicle, coverage limits, deductible, and the location within Sacramento.
Are car insurance rates higher in Sacramento compared to other cities in California?
Car insurance rates in Sacramento may vary compared to other cities in California due to factors such as population density, traffic congestion, crime rates, and the prevalence of accidents.
How can I find affordable car insurance rates in Sacramento?
To find affordable car insurance rates in Sacramento, it is advisable to shop around and compare quotes from different insurance providers. Additionally, maintaining a clean driving record, choosing a higher deductible, and qualifying for any available discounts can help lower premiums.
Are there any specific discounts available for car insurance in Sacramento?
Yes, car insurance providers in Sacramento often offer various discounts. These may include safe driver discounts, multi-policy discounts, discounts for completing driver’s education courses, and discounts for vehicles with safety features.
Does the type of vehicle affect car insurance rates in Sacramento?
Yes, the type of vehicle can impact car insurance rates in Sacramento. Factors such as the vehicle’s make, model, age, safety features, and likelihood of theft or damage can influence insurance premiums.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.