Sacramento, CA Auto Insurance | Cheap Car Insurance in Sacramento, CA

Auto insurance in Sacramento, CA, averages $177/month. Sacramento, California auto insurance companies offer various rates. Nationwide, Allstate and Liberty Mutual offer the cheapest auto insurance in Sacramento, CA. Sacramento, CA, car insurance isn't determined by credit score or gender anymore. You can find cheap Sacramento, CA, by comparing and shopping for affordable rates.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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California auto insurance requires a base coverage (15/30/5) for all residents (more information below). Some of the best Sacramento, CA car insurance companies offer affordable premiums. The companies that provide cheap car insurance in Sacramento, CA are Farmers, State Farm, Liberty Mutual, Nationwide, and Allstate. Nationwide offers drivers searching for Sacramento, CA auto insurance rates of $62/month.

Want cheap auto insurance in Sacramento, CA? AutoInsuranceEZ.com can help you find what you need. Just enter your ZIP code in the FREE online quote tool above to compare  Sacramento, CA auto insurance quotes.

Average Monthly Cost of Sacramento, CA Auto Insurance

If you’ve ever wondered how much Sacramento, CA car insurance costs, no need to wonder any longer. 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
LocationAverage Monthly Rates
Sacramento, CA$177
California$156
National Average$129
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These rates are based on the average driver in Sacramento, CA. Overall, Sacramento car insurance is more expensive than California and the national average. However, your rates could vary based on factors that determine auto insurance. Continue reading to see how much you save.

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Cheapest Auto Insurance In Sacramento, CA

Living and driving in California imply that the typical motorist most likely has to pay around $164 every month to keep their coverage. However, there are cheap Sacramento  Sacramento, CA auto insurance company options out there than can save you some money.

Sacramento, CA Average Monthly Auto Insurance RatesLegend: Sacramento Farmers State Farm Liberty Mutual Nationwide Allstate 10203040506070$79$66$64$62$64

 

Liberty Mutual, Nationwide, and Allstate are providing a few of the cheapest car insurance in Sacramento at this time. But they are additionally providing the best customer support? Can they make good on claims rapidly and efficiently? They are important questions you should ask before you decide to consider 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. To find out if you’re still paying the most affordable Sacramento, CA auto insurance, compare cheap Sacramento automotive insurance price quotes online.

Major Factors in Cheap Auto Insurance: Sacramento, California

You could feel helpless when one of the Sacramento, California auto insurance agencies start your auto insurance 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.

Your ZIP Code

The place you park your vehicle each night will likely have a significant impact on your automobile insurance rate. Generally, motor vehicle insurance is less expensive in non-urban areas because fewer cars and trucks indicate a smaller possibility that you’ll get in a collision with another vehicle. The population of Sacramento is 479,686, and the average family income is $48,034.

California Auto Insurance Rates by CityLegend: Los Angeles Fresno San Diego San Francisco Sacramento Farmers State Farm Liberty Mutual Nationwide Allstate 153045607590105120135$102$70$54$60$79$91$60$55$57$66$135$72$60$68$64$108$55$49$62$62$80$46$47$58$64

 

Automotive Accidents

With as active of a car culture as California has, it’s no surprise that many of its major cities have a high number of serious accidents each year. And many insurance companies tend to raise rates in areas where accidents are the highest. But if you have a reasonably clean driving record, you might be able to ask one of the Sacramento, California auto insurance agents for car insurance discounts.

Sacramento, CA Fatal Accidents StatisticsLegend: Sacramento Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 1020304050607080426014448717

 

Auto Thefts in Sacramento

Almost all insurance companies are concerned about auto theft; this runs specifically for motorists who reside in big towns and cities. The greater the populace, the higher the likelihood you will have to submit an auto burglary claim. In recent years, there were 2,861 stolen cars in Sacramento. And although the numbers are dropping, it’s still pretty risky to drive around in Sacramento without any Comprehensive coverage on your policy.

Sacramento, CA Basic vs. Comprehensive Average Monthly Auto Insurance RatesLegend: Basic Coverage Comprehensive Coverage Farmers State Farm Liberty Mutual Nationwide Allstate 20406080100120140160180200$79$204$66$118$64$185$62$70$64$139

 

Your Credit Score

In all but three states across the country, automotive insurance companies are legally allowed to raise or lower your rates based on your credit score. Some drivers, especially those with a poor credit score, will be happy to learn that California is not one of those states. But this might cause a slight increase in rates for drivers who have excellent credit to balance out costs that insurance companies incur for giving out discounted policies to drivers with poor credit.

But why does credit matter in other states? According to Experian, there’s a correlation between risk and a consumer’s credit score. California has banned this practice because the California-state government ruled it as discriminatory toward low-income customers.

Your Age

Some companies believe that youthful motorists, using their insufficient driving experience, are extremely risky to insure. For this reason, they get billed a lot more than somebody that’s older. And a few companies, like California Mutual or even the General, feel that they’re too dangerous to pay for whatsoever.

Sacramento, CA Average Monthly Auto Insurance Rates by AgeLegend: 34-Year-Old 17-Year-Old Farmers State Farm Liberty Mutual Nationwide Allstate 50100150200250300350400$79$425$66$188$64$175$62$312$64$287

 

Your Driving Record

Getting driving violations in your record will unquestionably lift your rates. But exactly how much it boosts them will be different concerning the breach. Lesser accidents and speeding tickets will not pack as hard of the punch as reckless driving or perhaps a Drunk driving conviction. And often, you will get your lesser violations waived by having an Accident Forgiveness discount.

Sacramento, CA Monthly Auto Insurance Rates by Driving RecordLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers State Farm Liberty Mutual Nationwide Allstate 255075100125150175200225$79$117$164$136$66$81$218$86$64$100$85$83$62$91$128$91$64$89$225$124

 

Your Vehicle

The reason if automotive insurance coverage is to make sure that, if you’re ever within an accident, you’ve got a financial resource to obtain back in your ft and back on the highway as rapidly as you possibly can. And when you cover a costly vehicle with simply the minimum state needed coverage, and you spend for anything else out of your wallet, it takes a very long time to replace it all or repair damages.

Sacramento, CA Average Monthly Auto Insurance Rates by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Farmers State Farm Liberty Mutual Nationwide Allstate 50100150200250300350$79$220$66$186$64$397$62$64$64$137

 

Minor Factors in Cheap Auto Insurance in Sacramento, California

Here are lesser factors which might or may not influence your monthly premium. When their influence may not be so minor:

Your Marital Status

Married motorists have the choice of bundling their insurance plans together. And, in return for giving insurance companies that rather more business, they often reward motorists in kind with bundling discount rates.

Your Gender

Sacramento, CA car insurance is not influenced by gender. California is one of the states that has banned insurance companies from determining auto insurance by gender.

Your Driving Distance to Work

For such a big city, it can be surprisingly easy to get around Sacramento. Typical commutes only last about 15 to20 minutes, although up to 25 minutes is fairly common. Around 71 percent of residents depend on their vehicles as their main transportation source, while another 17 percent prefer carpooling to work.

You’d believe that driving fewer miles each year would enable you to get some pretty substantial discount rates. Regrettably, that is not the situation. You’d need to slash your yearly mileage through the 1000’s just to obtain a four to five percent discount, for the most part.

Your Coverage and Deductibles

Modifying your deductible involves lots of risks, having a potential reward. Raising your deductible might get you some nice discount rates in your monthly premium – however, when you need to file claims, you’ll have to pay more money at first.

Education in Sacramento, CA

About 23 percent of Sacramento residents have not yet completed their secondary education level, and an additional 22 percent have completed their high school diploma requirements. But if you want to lower your insurance rate, you need a little more than high school education. Most providers offer lower rates to motorists who have an advanced degree.

Sacramento has a plethora of educational opportunities for any prospective student. California State University has nearly 26,000 students enrolled each term and offers bachelor’s degrees in almost every major field of study. Golden Gate University is another four-year institution in the Sacramento area. You might want to look into Cosumnes River, American River, or Sacramento City College for an associate’s degree.

Insurance is among the important investment decisions you can make as a shopper. You should ensure you uncover a legitimate, accountable agency that will follow through on their guarantees. A small number of automobile insurance providers happen to be greater at this than the others, and performing a conscientious internet-based investigation will let you differentiate the benefits from the unfavorable.

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Auto Insurance Coverage Requirements in California

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

Coverage Requirements Most Common
Bodily Injury Liability 15,000/30,000 100,000/300,000
Property Damage Liability 5,000 100,000
Uninsured Motorist Bodily Injury Not required 20,000/40,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

According to the California Department of Insurance, California’s minimum requirement for insurance is liability car insurance. It’s the cheapest coverage in the United States, which ought to make buying the state minimum coverage a lot 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.

Other Fun Facts About Sacramento, CA

Sacramento is the capital city of California with an interesting history. It started as a major boomtown during the gold rush era and eventually evolved into an agricultural center. Today, the city produces a significant portion of the food that the rest of the country eats, and it also has an ideal climate for growing Camellia flowers.

Fun fact: make sure to wear your sunscreen because Sacramento is #2 on the list of “Top 101 cities with the highest maximum monthly sunshine amount (population 50,000+).”

How We Conducted Our Auto Insurance Analysis

We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

It’s not too late to find the best car insurance in Sacramento, CA. 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.

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