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Get Cheap Car Insurance in Sacramento, CA
We monitor insurance prices, helping the average driver in the Sacramento area save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Sacramento
The chart below shows the cheapest car insurance company in Sacramento for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| Sacramento Insurer | Monthly Cost |
|---|---|
| Metromile | $53 |
| Geico | $60 |
| Progressive | $64 |
| Travelers | $66 |
Savings for Every Kind of Sacramento Driver
Based on our extensive insurance data, we know the average Sacramento driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $676 per year by choosing the right vehicle insurance company. Some Sacramento residents are paying out over $2,113 extra every year for auto insurance in Sacramento. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Sacramento, CA Savings / Yr. |
|---|---|
$676 |
|
$1,238 |
|
$979 |
|
$1,720 |
|
$883 |
|
$383 |
|
$0 |
Sacramento Car Insurance vs. California
People living in Sacramento pay an average of 5.24% more than the typical driver in the state. The average driver in Sacramento can expect to pay about $989 per year, or $2,113 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Sacramento for most people.
Car Insurance Prices by Sacramento Neighborhood
Insurance Prices
Where is insurance cheapest within Sacramento?
The map shows insurance prices in and around Sacramento, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $706 per year within the city boundaries, with insurance premiums ranging from a high of $2,563 to a low of $1,857. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the East parts of Sacramento.Pick the Best Car Insurance Company for You in Sacramento
The best car insurance provider for most drivers in Sacramento
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $676 over the average Sacramento car insurance company.
The best car insurance provider for Sacramento drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,238 over the competition.
The best car insurance company for Sacramento drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $979 better than other car insurance companies.
The best auto insurance for Sacramento drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,720 less each year.
The least expensive car insurance company for new and young drivers in Sacramento
In Sacramento, State Farm costs young drivers $883 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Sacramento
Progressive gave the largest car insurance discounts to married couples, averaging $383 saved each year compared to an average Sacramento couple's premiums.
The cheapest car insurance in Sacramento for drivers with bad credit
The best Sacramento car insurance company for customer service
Nationwide was the best company for customer service in Sacramento according to the NAIC.
Recent price drops
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The cheapest large national provider in Sacramento
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Sacramento driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Sacramento, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Sacramento
What Influences the Cost of Car Insurance in Sacramento?
On average, car insurance in Sacramento is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in the Sacramento area is 33 minutes, which is about the national average for a driver in the state.
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in the Sacramento area are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Sacramento is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Sacramento is $82 per month for minimum coverage and $176 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- West Sacramento: Insurance costs 0.24% less
- Lemon Hill: Insurance costs 15.76% more
- Parkway: Insurance costs 10.32% more
- Arden-Arcade: Insurance costs 1.66% more
- La Riviera: Insurance costs 1.99% more
- Rosemont: Insurance costs 1.56% more
- Florin: Insurance costs 7.90% more
- McClellan Park: Insurance costs 6.11% more
- Rio Linda: Insurance costs 0.24% more
- Carmichael: Insurance costs 0.33% more
Cities with Similar Populations
- Fullerton: Insurance costs 5.58% more
- Gaithersburg: Insurance costs 4.50% less
- Gastonia: Insurance costs 38.14% less
- Fort Wayne: Insurance costs 40.46% less
- Gary: Insurance costs 29.34% less
- Fort Worth: Insurance costs 11.88% less
- Fort Myers: Insurance costs 19.78% more
- Concord: Insurance costs 38.95% less
- Dale City: Insurance costs 34.55% less
- Corvallis: Insurance costs 30.67% less