Best Sacramento, CA Auto Insurance in 2024 (See the Top 10 Companies Here)

State Farm stands out as the top pick for the Best Sacramento, CA Auto Insurance, offering affordable rates and exceptional customer service. Notable competitors like Allstate and Progressive follow closely behind, both providing competitive pricing and extensive coverage options.

These providers excel in balancing cost, coverage, and customer satisfaction. Discover these top choices to find the perfect auto insurance coverage options for your needs in Sacramento.

Our Top 10 Company Picks: Best Sacramento, CA Auto Insurance

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#1 –State Farm: Top Overall Pick

Pros

• Bundling Discount: Sacramento car owners can get as much as 17% discount if they bundle home and auto insurance policies, really a very cost-effective deal.
• Personalized Support: Local agents provide personalized assistance to ensure clients are aware of available coverage. Explore our “State Farm Auto Insurance Review” to see why it’s a top choice.
• Range of Coverage: It depends on the requirements that the Sacramento driver may have, but it will assure an array of various policies running from liability to fully comprehensive coverage.
• High Customer Rating: State Farm receives a good rating in Sacramento auto insurance concerning customer service and claim settlement.

Cons

• Such Deals Offered Limited Discounts: the potential savings achieved through such deals would often be limited by the limited availability of certain discounts.
• Higher Premiums: Compared with other competitors, vehicle insurance premiums in Sacramento, CA, may be higher for some driver profiles.
• Online Resources: Compared to other automobile insurance, the online resources and tools are not that significant.

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#2 – Allstate: Best for Drivewise Program

Pros

• Drivewise Rewards: Sacramento motorists will be able to enjoy cost savings from premiums with good driving habits courtesy of the Allstate telematics program.
• Package Deals Save Significantly: Sacramento customers can save money by purchasing multiple types of insurance products from Allstate, such as house and vehicle insurance.
• New Car Discount: Sacramento car owners are entitled to premium discounts in the first few years of ownership as detailed in our “Allstate Auto Insurance Review.”
• Fewer Thefts: Residents of Sacramento who install car alarm systems can reduce their insurance payments by using anti-theft devices.

Cons

• Data may Limit Savings: Drivewise data could limit savings for Sacramento car owners who brake hard or ride fast.
• Accident-Prone Drivers Pay More: Recently, accident-prone drivers in Sacramento will face increased rates.
• Little Benefits for the Part-Time Driver: For Sacramento drivers who have not been on the road lately, usage-based programs may not save them as much for auto insurance.

#3 – Progressive: Best for Budgeting Tools

Pros

• Snapshot Program: Sacramento car owners can also save instantly on their policies by selecting the snapshot telematics program with Progressive.
• Paying Flexibility: Sacramento motorists can make their repayments or change their pay date according to the budget.
• More savings by Multi-Policy: It would be easier to save money if they combined their auto insurance with other products like renters’ or homeowners’ insurance.
• Quote in Advance Discount: Sacramento residents can obtain quotes before their policies’ scheduled renewal dates, which gives them a chance to get an early discount.

Cons

• Very Limited Discounts: The discounts may not be at the same level as those offered by the competitors, making them less cheap for some customers scouting Sacramento drivers.
• Diffuse Support at Local Agent Levels: Progressive may have fewer offices in Sacramento,CA, and those wanting in-person service will find fewer offices.
• Lack of Specialty Coverage: Sacramento drivers seeking classic auto insurance will have fewer options. Discover how more in our “Progressive Auto Insurance Review.”

#4 – Geico: Best for Affordable Rates

Pros

• Competitive Pricing for Drivers of Sacramento Region: Geico offers some of the lowest prices for car insurance in the country, especially for safe drivers.
• Meaningful Savings in Combinations of Policies: Sacramento residents can save money by combining their Geico car insurance with renters’ or homeowners’ insurance.
• Military and Government Employee Discount: Sacramento city employees or veterans may claim even higher savings on their automobile insurance.
• Introduce Safety Feature Discounts: Be it the backup cameras or advanced collision warning systems, Sacramento’s auto owners may well find their premium lowered.

Cons

• Few Local Offices: Our “Geico Auto Insurance Review” highlights that Geico’s services are only available online or by phone for Sacramento car owners needing in-person support.
  Fewer Choices for Customizable Service: Geico’s options may not be as comprehensive as its competitors are for Sacramento customers who want completely customized coverage.
  No First-Accident Forgiveness: Geico does not offer accident forgiveness, meaning Sacramento drivers could see increased premiums after a crash.

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#5 – Farmers: Best for Customizable Options

Pros

• Very Flexible Plans: Sacramento residents can change their auto insurance according to the specific coverage they require.
• Save Money by Covering More Assets: Sacramento residents can save a significant amount of money by taking their auto insurance package with home or other coverage.
• Claims-Free Discount: Sacramento, CA drivers who maintain a clean record in terms of claims for as long as possible are given premium discounts.
• Discount for Homeowners: Citizens of Sacramento are eligible to receive extra discounts on car insurance. Read our “Farmers Auto Insurance Review” to learn more about this discount.

Cons

• Increased Rates for High-Mileage Drivers: Sacramento’s top auto insurance rates may be higher for drivers who drive a lot each year.
• Complex Customization Process: Compared to simpler carriers, customers in Sacramento may find that modifying their policy takes more time.
• Fewer Online Tools: Farmers’ web interface might not be as strong for residents seeking sophisticated digital features.

#6 – Nationwide: Best for SmartRide Program

Pros

• SmartRide program for real-time savings: SmartRide telematics program rewards Sacramento’s drivers with real-time monetary savings for safe driving.
• Car Safety Discounts: Sacramento residents driving safer, more recent car models are charged less for auto insurance. Check out our “Nationwide Auto Insurance Review” for the full story.
• Savings by Bundling for All Multiple Policyholders: Combining auto insurance with house or other coverage Nationwide can sometimes lead to big discounts for some clients.
• Safe Driver Discount: Extra benefits to drivers with a clean driving record are provided in Sacramento.

Cons

• Large-scale tracking is necessary for SmartRide: Drivers in Sacramento must consent to regular surveillance of their driving patterns, which some people may find bothersome.
• Fewer Sacramento Agent Locations: Sacramento residents seeking in-person assistance with auto insurance may be unable to access local Nationwide offices.
• Increased Costs for High-Risk Drivers: Car owners in Sacramento with collisions or infractions may face higher insurance costs than with other providers.

#7 – Liberty Mutual: Best for Custom Coverage

Pros

• Customized Coverage Plans: Sacramento car drivers allow the provision of policies tailored according to specific needs and models.
• Package Offers: Customers in Sacramento, CA, may bring together other Liberty Mutual products and save more money through multi-policies.
• Pay-in-Full Discount: The entire policy’s drivers pay in at once and receive discounts on Sacramento auto insurance prices.
• Good Student Discount: In Sacramento, CA, students who achieve successful academic performance are in a position to reduce their premium rates.

Cons

• Less Friendly to User Tools: Options for auto insurance coverage in Sacramento are tough to come by with online tools, which are not very user-friendly compared with competitors’ online tools.
• Limited Tech-Based Discounts: Sacramento residents won’t find as many telemetry and app-based discounts on the website as competitors such as Progressive do.
• Fewer Specialty Insurance Options: As detailed in our “Liberty Mutual Auto Insurance Review,” consumers may have limited options for specialized coverage, such as luxury car insurance.

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#8 – Travelers: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Sacramento car owners experience their first accident. They drive with financial peace of mind because they have nothing to fear about a price rise.
• Safe Driver Discount: Residents in Sacramento receive an added incentive through discounts for those with a clean driving record. Explore our article titled “Travelers Auto Insurance Review.”
• Bundled Plan Savings: Travelers gives customers a discount for purchasing home or renters insurance and an Sacramento auto insurance policy.
• Financial Strength: Sacramento drivers may also rely on Travelers’ financial stability to determine the reliability for confirming that claim payments take place.

Cons

• Not Very User-Friendly Tools: Car insurance coverage from Sacramento, CA, is hard to find and not very user-friendly compared with the online tools offered by its peers.
• Limited Tech-Based Discounts: Whereas competitors, like Progressive, tout many data and app-based discounts online, Sacramento residents will find fewer.
• Inconsistent Customer Service: Inconsistent customer service provision will affect the overall satisfaction of the car drivers in Sacramento.

#9 – American Family: Best for Personal Service

Pros

• Personal Service from Local Agents: American Family’s agents in Sacramento offer dedicated service to drivers.
• Good Student Discount: Sacramento students can save money by getting good grades. To learn more about how these savings can benefit you, check out our  “American Family Review.”
• Vehicle Safety Features Discount: The car’s safety features can also lower the premium that Sacramento drivers will have to pay.
• Multi-Policy Discounts Save Money: Residents from Sacramento, CA can save significantly by bundling their motor insurance with renters’ or homeowners’ coverage.

Cons

• Higher Premium for High-Risk Driving: Compared to other providers, the citizens of Sacramento, CA may have to pay more if they have had previous collisions or infractions.
• Limited Functionalities in the Mobile Application: Sacramento car owners may be unhappy with the American Family’s provision compared to other insurance companies.
• Digital Resources: Drivers in Sacramento can get lost if they use online tools and resources that are not as extensive as those offered by other businesses.

#10 – Safeco: Best for Flexible Payment

Pros

• Flexible Payment Schedules: Drivers in Sacramento can use flexible payment schedules to meet their budgeting needs.
• Paid-in-Full Discount: Sacramento customers pay in advance annually and save that money for the premium due.
• Careful Driver Discount: Any resident of Sacramento who is careful can earn savings.
• Bundling Options for Flexible Policy Savings: Sacramento residents who bundle the auto insurance by Safeco with house insurance will have their savings increased.

Cons

• Higher Charges from Infrequent Filing: For a broader perspective, read “Safeco Auto Insurance Review” to learn how drivers who frequently file claims may be charged more.
• Limited Number of Local Agents: Fewer Safeco agents will be accessible to Sacramento residents who may desire face-to-face service.
  Fewer technology-based tracking discounts: Safeco has fewer options for Sacramento drivers interested in telematics or tracking discounts.

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Average Monthly Cost of Sacramento, CA Auto Insurance

If you’ve ever wondered how much Sacramento, CA, car insurance costs, you no longer need to wonder. We found the average cost of auto insurance in Sacramento, CA. Check out the average monthly rates.

Sacramento, CA Average Monthly Auto Insurance Rates vs. California and National Average

The rates listed reflect those of an average driver in Sacramento, CA. Generally, car insurance in Sacramento is pricier than both the state and national averages. However, your specific rates may differ depending on various factors influencing auto insurance premiums. Keep reading to discover potential savings.

According to our data, the average cost of cheap car insurance in Sacramento County, CA, is approximately $120 monthly. By comparing car insurance quotes in Sacramento, CA, you can find competitive offers from cheap auto insurance companies that may help you save even more.

Cheapest Auto Insurance In Sacramento

Living and driving in California implies that the typical motorist will likely have to pay around $164 monthly to keep their coverage. However, there are cheap Sacramento, CA auto insurance company options out there that can save you some money.

 

Liberty Mutual, Nationwide, and Allstate provide some of the cheapest car insurance in Sacramento. But they are also providing the best customer support. Can they make good on claims rapidly and efficiently? They are important questions you should ask before considering switching service providers.

Those who underwrite vehicle insurance plans evaluate various variables when establishing auto insurance rates, including marital status, where you live, your credit report, driving distance to work, and current insurance coverage and limits. On top of that, premiums differ from companies. Major Factors in Cheap Auto Insurance: Sacramento, California

You could feel helpless when one of the Sacramento, California, auto insurance agencies starts your estimate. Most factors agencies go over aren’t things you could easily change. Thankfully, there are still things that you may be able to adjust for increased discounts.

Sacramento Auto Insurance Coverage Options

When selecting from the top car insurance providers in Sacramento, CA, it’s crucial to understand the various auto insurance coverage options available, including mandatory liability coverage and additional choices like collision, comprehensive, and uninsured motorist coverage.

Each type serves a specific purpose, ensuring drivers are protected against various incidents, from accidents to theft. Policyholders must assess their needs and select coverage that reflects their driving habits and lifestyle.

Sacramento, CA Auto Insurance Monthly Rates by Provider & Coverage Level

Additionally, many insurance companies offer customizable policies, allowing drivers to tailor their coverage according to their preferences. This flexibility can particularly benefit Sacramento residents who may require specific protections based on their unique circumstances. Always compare the coverage options provided by the Top car insurance providers in Sacramento, CA, to ensure you find the right fit for your needs.

Online and Digital Processes of Top Insurance Providers

Sacramento, CA drivers are taking advantage of the online and digital services provided by the top car insurance providers in Sacramento. Most insurers now feature intuitive websites and mobile applications that enable customers to handle their policies effectively.

Monthly rates for car insurance in Sacramento typically range from $85 to $120, depending on coverage options and provider selection. If you’re looking for ways to reduce your costs, consider exploring how to lower your auto insurance premiums for potential savings.

From obtaining quotes to making payments and accessing policy documents, these digital tools simplify the insurance experience, making it more convenient for users to stay informed and engaged.

Moreover, online platforms often feature helpful resources such as coverage calculators, FAQs, and live chat options, enhancing customer support. This accessibility is especially valuable for busy individuals who prefer handling their insurance needs on the go. As a result, the online capabilities of these providers can significantly improve the overall customer experience.

Sacramento Car Insurance Safety Features

Safety features are vital considerations when choosing an auto insurance policy. Many top car insurance providers in Sacramento, CA, offer discounts for vehicles with advanced safety technologies.

Safety features such as anti-lock brakes, airbags, lane departure warnings, and adaptive cruise control are essential in reducing the risk of accidents. Insurers often recognize that these technologies significantly decrease the likelihood of accidents, which can lead to lower premiums for drivers who prioritize safety.

Additionally, liability auto insurance provides a cost-effective option for those seeking basic coverage while enjoying enhanced safety features.

Furthermore, some providers have introduced telematics programs, where drivers can install devices or use mobile apps to monitor their driving behavior. Safe driving habits can lead to additional premium savings. Understanding your vehicle’s safety features and how they interact with insurance policies can help you maximize your coverage while minimizing costs.

Customer Review on Sacramento, CA Car Insurance

Customer reviews are essential for evaluating the trustworthiness of insurance companies. The top car insurance providers in Sacramento, CA, typically receive mixed customer ratings, reflecting their services’ advantages and disadvantages.

When considering monthly rates, it’s important to note that various factors affect car insurance premiums, such as the type of coverage, the driver’s history, and the vehicle’s make and model.

Positive reviews typically reflect good customer service, efficient claims processing, and competitive pricing, while negative reviews may point to issues with responsiveness or claim denials.

Prospective customers should take the time to research and read reviews from current and former policyholders. Websites that aggregate insurance reviews can provide insights into the customer experience and help individuals decide which providers to consider.

Tips to Lower Car Insurance Rates

Reducing car insurance premiums is a common concern among drivers. To secure affordable coverage, drivers should adopt strategies that can help lower costs. One effective method is maintaining a spotless driving record, as safe driving often results in reduced rates from the top car insurance providers in Sacramento, CA.

Combining multiple insurance policies, like home and auto, can also lead to significant discounts. For example, the monthly rates for comprehensive coverage start at approximately $75, while minimum coverage begins around $40. Drivers can also use the good student discount to decrease their premiums further.

Auto Insurance Discounts From the Top Providers in Sacramento, CA

Another way to save is to take advantage of insurance company discounts. Many providers offer savings for factors like good student grades, membership in certain organizations, or enrollment in safety courses. Regularly reviewing your policy and shopping around for better rates can ensure you receive the best possible deal.

DUI Laws and Penalties

Comprehending DUI laws and penalties is essential for all Sacramento drivers. Being convicted of driving under the influence can result in serious repercussions, such as substantial fines, loss of driving privileges, and higher insurance premiums.

The top car insurance providers in Sacramento, CA, typically view a DUI conviction as a major risk factor, which can lead to increased monthly rates or even cancellation of coverage. For example, monthly rates for car insurance after a DUI may vary significantly among different providers, with some offering rates starting at around $150 while others might exceed $300.

To avoid these penalties, drivers should familiarize themselves with local laws and consider alternatives to driving after consuming alcohol. Individuals can protect their driving records and maintain lower insurance rates by being informed and cautious. Knowing the implications of DUI offenses is essential for any driver looking to secure the best coverage at an affordable price.

Auto Insurance Rates by ZIP Code

Where you park your vehicle each night can greatly influence your auto insurance premium. Typically, vehicle insurance costs are lower in rural areas because fewer vehicles lead to a decreased likelihood of being involved in an accident with another car. Sacramento has population is 479,686, and the average household income is $48,034.

The table shows the monthly rates for Affordable Sacramento cheap car insurance near your home, making it easier to find budget-friendly options. Additionally, if you are a homeowner, consider looking into homeowners insurance in Sacramento, CA, to protect your assets further.

 

Automotive Accidents

Given California’s vibrant car culture, it’s no wonder that major cities experience many accidents yearly. Consequently, many insurance companies tend to increase rates in regions with higher accident rates. However, if you maintain a relatively clean driving record, you might be eligible to request discounts from auto insurance agents in Sacramento, California.

According to our table, the monthly rates for various providers in the area reflect competitive options, including the best cheap car insurance in the Sacramento, CA, area with a payment plan. Additionally, it’s interesting to note some fun facts about auto insurance that can help you make informed decisions.

For instance, many drivers wonder, “Is it a bad idea to change auto insurance after an accident?” While changing policies post-accident can lead to higher premiums, it can also provide better coverage options suited to your needs.

 

Auto Thefts in Sacramento

Many insurance companies prioritize the issue of auto theft, especially for drivers living in large urban areas. The higher the population density, the more likely you may need to file a claim for auto theft. In Sacramento, there were 2,861 reported stolen vehicles in recent years.

Although this figure has declined, driving in Sacramento without comprehensive coverage on your policy remains a considerable risk.

The table shows that the monthly rates for Comprehensive coverage in Sacramento can vary significantly among providers. For example, Geico offers rates starting at $120, State Farm at $135, and Allstate at $150. It’s also worth noting that many insurers provide an anti-theft device discount, which can help lower your premiums if your vehicle has such safety features.

California Auto Insurance Coverage Requirements

If you’re going to live in California, you’ll need to carry the minimum car insurance requirements. Here are the current coverage limits for California’s minimum insurance options.

According to the California Department of Insurance, California’s minimum insurance requirement is liability car insurance. It’s the cheapest coverage in the United States, which ought to make buying the state minimum coverage much more affordable. However, this kind of coverage may not be enough to pay for new or costly automobiles.

Watch this video for a visual of California’s minimum requirement for car insurance.

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How We Conducted Our Auto Insurance Analysis

We determined our average rate using criteria such as a married 34-year-old male with good credit, a consistent auto insurance history of twelve months, a spotless driving record, and home ownership.

The annual mileage was calculated based on the national average, and the average rate was considered a financed 2015 Honda Accord equipped with a factory-installed anti-theft device. Incorporating safe driver discounts can significantly reduce these rates for eligible drivers.

Finding the best car insurance in Sacramento, CA, is not too late. Get a FREE quote online in minutes by entering your ZIP code in the comparison tool below and buy Sacramento, CA auto insurance online today.