The capitol of California is home to thousands of drivers who need to buy car insurance year after year. Finding affordable auto insurance can be tough in a big city like Sacramento, but we hope to make it easier. We analyzed 10 companies from Sacramento to determine which offered the lowest costing and best car insurance.
Cheapest Car Insurance Companies in Sacramento, California
The cheapest provider for our sample driver was Nationwide which quoted a yearly average rate of $912. Compared to the California average of $1,662 per year, Sacramento was actually 11% cheaper. Drivers can also find affordable auto insurance rates at Century National, which was only $72 more expensive than Nationwide.
Find the Cheapest Auto Insurance Quotes in Your Area
The rates we state above are for a sample 30 year old male driver of a Toyota Camry in Sactown. Depending on who you are, whether you drive a truck, are younger than 25, or have multiple accidents on your record, your rates may be different than the ones we have. The only way to know if you are truly getting the least expensive auto insurance is by comparison shopping. When you're ready, put in your zip code in the box above to start comparing car insurance quotes. Below we list our findings for every company in our survey.
|Rank||Car Insurance Company||Average Annual Rate|
Cost of Car Insurance in Sacramento: by Neighborhood
Just as the price of car insurance changes between cities and states, rates within Sacramento neighborhoods also change. We found within the city, rates could fluctuate by as much as $367. Below we took a sample of neighborhoods in Sacramento and collected auto insurance quotes for them.
|Neighborhood||Average Annual Car Insurance Rate|
Auto insurance in Sacramento seems to get more expensive the further from East Sacramento and the center of town you go. Remember though, even if you live in an expensive neighborhood you can still find low-cost car insurance by comparison shopping. By getting quotes from multiple insurers you will be able to make a better informed decision.
Best Car Insurance in Sacramento
The best car insurance is a bit harder to define than the cheapest, as it really depends on certain circumstances and what you prioritize. You may not mind spending extra for good customer satisfaction, or perhaps you just want to get your policy quickly and easily. Some companies are more accommodating for certain drivers so below we list a few companies based on what they are best for.
|Auto Insurance Company||Best For...|
In 2016 J.D. Power surveyed customers of several car insurance companies in California and found Ameriprise to have the best car insurance in California. Ameriprise scored well for its billing practices and the flexibility of policies they offer.
If speed and convenience is what Sactown drivers are looking for, then GEICO is likely the company for you. Though just a little bit more expensive than Nationwide, you never have to speak to an agent and can start a policy within 15 minutes of starting a quote. Finally, military members and their families are eligible for USAA, which offers the best military car insurance discounts. If you park your car at a military base they offer a 15% discount. If you think you may be deployed in the future, USAA also offers discounts up to 90% while you store your vehicle. This ends up saving you even more money since you do not have a lapse in coverage which would cause your rates to go up. USAA also scored highly on the same California J.D. Power survey, where it placed as the second top-rated insurer behind Ameriprise.
Auto Insurance Agents in Sacramento
While a handful of companies allow you to start and buy your car insurance online, the vast majority, like State Farm and Allstate, only allow you to start the quote online. You have to finish the process with an agent, either in person or over the phone. Below we listed a handful of auto insurance agents and agencies in Sacramento and in surrounding towns.
|Sacramento||Allstate Insurance: John Chandler||900 Jefferson Blvd #110, West Sacramento, CA 95691, United States|
|Fiesta Auto Insurance Center||2702 Northgate Blvd, Sacramento, CA 95833, United States|
|Best-Rate Sacramento Auto - Car Insurance - Easily SAVE $100's||1112 I St #200, Sacramento, CA 95814, United States|
|Dashers Insurance Sacramento/Alta Arden||2535 Alta Arden Expy, Sacramento, CA 95825, United States|
|Freeway Insurance Services||5219 Fruitridge Rd, Sacramento, CA 95820, United States|
|Carmichael||Cost-U-Less Insurance Center||5520 Watt Ave #105, North Highlands, CA 95660, United States|
|Titan Insurance||6818 Fair Oaks Blvd #2, Carmichael, CA 95608, United States|
|Farmers Insurance - William Barr||8037 Fair Oaks Blvd #102, Carmichael, CA 95608, United States|
|Nationwide Insurance - Welcome Financial Inc||5023 El Camino Ave, Carmichael, CA 95608, United States|
|Jennifer Knighten - State Farm Insurance Agent||4711 Manzanita Ave, Carmichael, CA 95608, United States|
|Elk Grove||Farmers Insurance: Howard Davis||9245 Laguna Springs Dr #200, Elk Grove, CA 95758, United States|
|Farmers Insurance - David Israel||4815 Laguna Park Dr a, Elk Grove, CA 95758, United States|
|Allstate Insurance: Christopher Pack||4805 Laguna Blvd #103, Elk Grove, CA 95758, United States|
|Norman LaMarr - State Farm Insurance Agent||2745 Elk Grove Blvd #220, Elk Grove, CA 95758, United States|
|Nationwide Insurance: BPH Insurance and Financial Services Inc||9290 W Stockton Blvd Ste 106, Elk Grove, CA 95758, United States|
|Fair Oaks||Allstate Insurance: Baciocco Brothers Insurance Agency||7840 Madison Ave #187, Fair Oaks, CA 95628, United States|
|Saul Hernandez - State Farm Insurance Agent||9100 Fair Oaks Blvd a, Fair Oaks, CA 95628, United States|
|Farmers Insurance: William McLain||11618 Fair Oaks Blvd #100, Fair Oaks, CA 95628, United States|
|Divide Insurance Agency||10235 Fair Oaks Blvd #202, Fair Oaks, CA 95628, United States|
|Farmers Insurance - Douglas Gordon||9700 Fair Oaks Blvd i, Fair Oaks, CA 95628, United States|
|Folsom||State Farm: Kyle Middleton||1831 Iron Point Rd #140, Folsom, CA 95630, United States|
|Brian Matthews - State Farm Insurance Agent||63 Natoma St #100, Folsom, CA 95630, United States|
|G. L. Anderson Insurance Services, Inc.||101 Parkshore Dr #100, Folsom, CA 95630, United States|
|Cal Interstate Insurance Services||193 Blue Ravine Rd #180, Folsom, CA 95630, United States|
|Greg Jung - State Farm Insurance Agent||708 Natoma St, Folsom, CA 95630, United States|
|Rancho Cordova||Pacific Unity Insurance Solutions, Inc.||2339 Gold Meadow Way #220, Gold River, CA 95670, United States|
|Farmers Insurance - David Oyler||2933 Gold Pan Ct e, Rancho Cordova, CA 95670, United States|
|Insurance Auto Auctions, Inc.||11499 Douglas Rd, Rancho Cordova, CA 95742, United States|
|Big Savings Insurance Agency, Inc||2340 Sunrise Blvd #14, Rancho Cordova, CA 95670, United States|
|Doug Brewer - State Farm Insurance Agent||3358 Mather Field Rd, Rancho Cordova, CA 95670, United States|
Fatal Accidents in Sacramento
The city of Sacramento experienced 191 fatal accidents between 2011 and 2015. Accidents, especially fatal ones, can make the cost in any given area go up due to the costliness of them. Essentially if an insurance company has to pay a large amount in claims to a certain area, that entire area is going to likely experience higher rates to make up for the increased incidences.
Most Dangerous Roads in Sacramento
|Highway||Number of Fatal Accidents (2011 - 2015)||Percent That Involve Drunk Driver|
|Power Inn Road||7||0|
I-5 which cuts down the center of the city experiences the most fatal accidents followed by SR-51. SR-99, though having the third most fatalities, had a fair amount of DUIs. Overall 26% of all fatal accidents in Sacramento involved a drunk driver.
Minimum Car Insurance Requirements in Sacramento, CA
You need to have a minimum amount of car insurance to drive in California. The minimum is a bit on the lower side in the Golden State, so we recommend that most Sactown drivers opt for higher limits if they can afford it. If your car is valuable, as in worth more than $2,000 worth, you should also add collision and comprehensive insurance. Below are the limits imposed by California.
- Bodily Injury Liability Coverage: $15,000 per person / $30,000 per accident minimum
- Property Damage Liability Coverage: $5,000 minimum
- Uninsured Motorist Bodily Injury Coverage: $15,000 per person / $30,000 per accident minimum
- Uninsured Motorist Property Damage Coverage: $3,500 minimum
How We Compared Quotes
We collected quotes from a variety of insurance companies across 142 towns and cities in California, and as part of our study we collected rates for Sacramento. Our sample driver was a 30 year old male who drove a Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived in California. The amount of coverage we opted for gave our driver bit more than what is required of state minimums.
|Coverage Type||California Minimum||Study Limits|
|Bodily Liability||$15,000 per person / $30,000 per accident||$50,000 per person/ $100,000 per accident|
|Property Damage||$5,000 per accident||$50,000 per accident|
|Uninsured/Underinsured Motorist BI||$50,000 per person/ $100,000 per accident|
|Uninsured/Underinsured Motorist Property||
||$50,000 per accident|
|Comprehensive & Collision||$500 Deductible|
Fatal car accident and DUI data: FARS 2011 to 2015.