Compare Car Insurance Rates in Sacramento
In Sacramento, the average cost of car insurance is $685 for state-minimum coverage or $1,980 for full coverage. However, drivers can save up to 33% on their bills by going with a cheaper insurer. Geico was the most affordable option for most Sacramento drivers, with an average rate of $455 for minimum coverage.
Every driver will get different rates based on their driving history, what car they drive and where they live, so we always recommend getting multiple quotes to find the best deal for you.
Cheapest auto insurance in Sacramento: Geico
For drivers looking for the best deal on basic coverage in Sacramento, we recommend looking at Geico and Progressive. Geico had the absolute best price, at $455 per year for minimum coverage; that's 34% less than the city average. Progressive was only a few dollars more, at $487.
Compare Car Insurance Rates in Sacramento
Cheapest full coverage car insurance in Sacramento: Geico
For drivers who want to protect the investment of their car with a full coverage policy, we recommend Geico. It had the best rates for a full coverage policy in Sacramento by a healthy margin: It was $179 cheaper than the second-most affordable option, Progressive.
Full coverage policies are sometimes required if you have a lease or loan on your car. We also recommend them if the cost of replacing your vehicle would be a severe financial hardship to you or if your car is worth more than $5,000.
- Comprehensive coverage: Pays for damage to your car that's caused by something other than a crash, such as falling rocks or a house fire. It also covers theft.
- Collision coverage: Pays for damage to your car due to a collision, regardless of how many people were involved or whether you were at fault.
Cheap car insurance for drivers with prior incidents
Insurance companies try to evaluate how likely you are to make a claim based on your past driving history. As a result, people with past incidents on their record, like a speeding ticket or at-fault accident, will likely pay more for coverage.
Cheapest car insurance in Sacramento after an accident
Insurers often raise rates after you're involved in an at-fault accident because drivers who've caused a crash before are statistically more likely to do so again in the future.
In Sacramento, the cheapest insurer after being at fault in a car crash is Mercury. It offered our sample driver a yearlong full coverage policy for $2,540. That's 36% cheaper than the average rate across all insurers, which was $3,981 annually.
Cheapest car insurance for people with a speeding ticket: Mercury
Insurers have found that aggressive or reckless driving behavior like speeding often correlates with making insurance claims more often, so you'll pay more after a speeding ticket. After a ticket, we found an average rate increase of 48% across all the insurers we looked at in Sacramento.
However, some insurers have more generous rates than others after a speeding ticket. Mercury's average rate was $2,230 per year for full coverage. That's an increase of only 32%, and $700 cheaper than the average rate across all companies.
Cheapest car insurance for drivers with a DUI: Mercury
Driving while under the influence is among the most serious commonly committed driving infractions, and it comes with harsh penalties, often including losing your license.
The average price for a full coverage policy after a DUI conviction was $5,627 per year, which is almost triple what you'll pay with a clean record. Mercury had the most affordable coverage for Sacramento drivers after a DUI, at $2,788.
Cheapest car insurance for married drivers: Geico
Car insurers have found that married drivers are less likely to take risks while driving and that they make fewer claims, so you'll often find that your insurance rates drop after you get married. We found an average discount of about $168 per year for a married driver.
Married drivers looking for the most affordable full coverage should start with Geico: a policy costs just $1,245 for a married driver. That's $213 off Geico's rate for a single driver, and 31% cheaper than the average rate all insurers.
Note that married drivers may be able to reduce their rates even more by sharing a policy with their spouse and qualifying for a multicar discount; we didn't factor either of these into our sample rates.
Cheapest car insurance for young drivers: Geico
Younger drivers are less experienced behind the wheel and not as skilled at assessing risk, so they usually pay substantially more for car insurance than older adults. AnCar insurance for 18-year-olds can expect to pay $1,768 for a year of minimum coverage, which is 2.6 times as much as our 30-year-old would pay.
The cheapest option for teen drivers is Geico, which gave us an average price of $1,362 for a one-year minimum coverage policy. That's $406 cheaper than the average across all the insurers we included in our study.
Teen drivers can reduce their insurance premiums substantially by sharing a policy with a parent or family member, taking a supplementary driving safety course or qualifying for a good student discount.
Average car insurance cost in Sacramento, by neighborhood
One factor that can impact car insurance rates is where you live — even within a single city. You might pay more for car insurance if car theft is common in your area or if your neighborhood has lots of narrow or fast-moving roads.
Minimum coverage annual cost
Full coverage annual cost
Auto theft statistics in Sacramento
Car theft is a moderate problem in Sacramento — among the 10 largest cities in California, Sacramento ranks fourth in car thefts per capita, and 5.3 cars are stolen each year per 1,000 residents. Car theft is more common in Sacramento than in Los Angeles or San Francisco but less common than in Bakersfield or Oakland.
Motor vehicle theft
Car thefts in 2019 per 1,000 residents
Motor vehicle theft data was pulled from the FBI 2019 California crime report.
We collected data from seven of the largest insurers in California. Our sample driver was a 30-year-old man who drove a 2015 Honda Civic EX.
In instances where our sample driver was comparing rates for a policy, the following limitations were used:
|Bodily injury liability||$15,000 per person/$30,000 per accident||$50,000 per person/$100,000 per accident|
|Personal injury protection||—||$10,000|
|Property damage liability||$5,000 per accident||$25,000 per accident|
|Uninsured/underinsured motorist bodily injury||—||$50,000 per person/$100,000 per accident|
|Comprehensive and collision||—||$500 deductible|
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Our statewide analysis of California insurance rates included both AAA of Northern California and AAA of Southern California. However, AAA of Southern California doesn't offer insurance to Sacramento residents, so we removed it from city averages and rankings.