Sacramento, CA Auto Insurance (2024)
The average Sacramento, CA auto insurance rates are $342 per month. The minimum auto insurance in Sacramento is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in Sacramento, California, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 23, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Sacramento, CA for senior drivers are $2,445 per year
- The cheapest auto insurance company in Sacramento is USAA
- The minimum auto insurance required in Sacramento, California is 15/30/5
Sacramento, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in Sacramento can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Sacramento, California, including driving record, credit, commute time, and more.
Compare auto insurance in Sacramento to other California cities, including San Francisco auto insurance rates, Anaheim auto insurance rates, and Los Angeles auto insurance rates to see how Sacramento, California auto insurance rates stack up.
Before you buy Sacramento, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Sacramento, California auto insurance quotes.
Minimum Auto Insurance in Sacramento, California
Sacramento, California auto insurance laws require that you have at least the California minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Sacramento, California.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
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Cheap Sacramento, California Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Sacramento, California are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,311 | $3,308 | $2,404 | $2,420 | $9,144 | $11,488 | $4,212 | $4,607 |
| Farmers | $3,248 | $3,248 | $2,931 | $2,931 | $10,370 | $16,968 | $3,849 | $4,286 |
| Geico | $1,858 | $1,859 | $1,748 | $1,748 | $5,631 | $5,727 | $2,665 | $2,727 |
| Liberty Mutual | $2,604 | $2,466 | $2,413 | $2,339 | $5,666 | $6,033 | $2,938 | $2,963 |
| Nationwide | $3,660 | $3,493 | $3,207 | $3,022 | $9,297 | $10,285 | $4,367 | $4,310 |
| Progressive | $1,804 | $1,856 | $1,542 | $1,826 | $4,843 | $5,826 | $2,607 | $2,802 |
| State Farm | $3,755 | $3,755 | $3,356 | $3,356 | $6,922 | $8,605 | $4,154 | $4,281 |
| Travelers | $2,724 | $2,636 | $2,399 | $2,374 | $5,668 | $6,465 | $3,547 | $3,473 |
| USAA | $2,039 | $1,930 | $1,990 | $1,996 | $4,666 | $4,687 | $2,817 | $2,661 |
Cheap Sacramento, California Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Sacramento, California is a challenge. Take a look at the annual teen auto insurance rates in Sacramento, California.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,144 | $11,488 |
| Farmers | $10,370 | $16,968 |
| Geico | $5,631 | $5,727 |
| Liberty Mutual | $5,666 | $6,033 |
| Nationwide | $9,297 | $10,285 |
| Progressive | $4,843 | $5,826 |
| State Farm | $6,922 | $8,605 |
| Travelers | $5,668 | $6,465 |
| USAA | $4,666 | $4,687 |
Cheap Sacramento, California Auto Insurance for Seniors
What are senior auto insurance rates in Sacramento, California? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,404 | $2,420 |
| Farmers | $2,931 | $2,931 |
| Geico | $1,748 | $1,748 |
| Liberty Mutual | $2,413 | $2,339 |
| Nationwide | $3,207 | $3,022 |
| Progressive | $1,542 | $1,826 |
| State Farm | $3,356 | $3,356 |
| Travelers | $2,399 | $2,374 |
| USAA | $1,990 | $1,996 |
Cheap Sacramento, California Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Sacramento, California compared to the annual auto insurance rates with a clean record in Sacramento, California.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,076 | $5,169 | $8,165 | $4,037 |
| Farmers | $4,423 | $6,020 | $7,495 | $5,977 |
| Geico | $2,096 | $3,228 | $4,058 | $2,600 |
| Liberty Mutual | $2,975 | $3,987 | $3,597 | $3,152 |
| Nationwide | $3,627 | $4,655 | $7,884 | $4,655 |
| Progressive | $1,888 | $3,216 | $3,727 | $2,721 |
| State Farm | $3,406 | $4,062 | $7,671 | $3,953 |
| Travelers | $2,429 | $3,987 | $4,631 | $3,595 |
| USAA | $1,891 | $2,818 | $4,613 | $2,072 |
Cheap Sacramento, California Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Sacramento, California is not easy. Compare the annual rates for DUI auto insurance in Sacramento, California to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $8,165 |
| Farmers | $7,495 |
| Geico | $4,058 |
| Liberty Mutual | $3,597 |
| Nationwide | $7,884 |
| Progressive | $3,727 |
| State Farm | $7,671 |
| Travelers | $4,631 |
| USAA | $4,613 |
Cheap Sacramento, California Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Sacramento, California can vary. Compare the annual cost of auto insurance by ZIP code in Sacramento, California to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 95811 | $5,850 |
| 95814 | $5,791 |
| 95815 | $5,919 |
| 95816 | $5,582 |
| 95817 | $5,700 |
| 95818 | $5,507 |
| 95819 | $5,174 |
| 95820 | $5,770 |
| 95822 | $5,609 |
| 95823 | $5,964 |
| 95824 | $6,057 |
| 95830 | $5,427 |
| 95831 | $5,081 |
| 95832 | $5,867 |
| 95833 | $5,734 |
| 95834 | $5,718 |
| 95835 | $5,510 |
| 95836 | $5,668 |
| 95837 | $5,381 |
| 95838 | $6,031 |
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Cheap Sacramento, California Auto Insurance Rates By Commute
Commute length and annual mileage affect Sacramento, California auto insurance. Find the cheapest annual Sacramento, California auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,598 | $5,625 |
| Farmers | $5,424 | $6,534 |
| Geico | $2,721 | $3,270 |
| Liberty Mutual | $3,146 | $3,710 |
| Nationwide | $4,596 | $5,814 |
| Progressive | $2,620 | $3,156 |
| State Farm | $4,598 | $4,949 |
| Travelers | $3,290 | $4,031 |
| USAA | $2,624 | $3,072 |
Cheap Sacramento, California Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Sacramento, California? Check out the comparison of annual Sacramento, California auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,795 | $5,161 | $5,379 |
| Farmers | $5,558 | $6,027 | $6,351 |
| Geico | $2,699 | $3,030 | $3,256 |
| Liberty Mutual | $3,197 | $3,458 | $3,629 |
| Nationwide | $4,645 | $5,299 | $5,671 |
| Progressive | $2,569 | $2,980 | $3,115 |
| State Farm | $4,269 | $4,858 | $5,193 |
| Travelers | $3,179 | $3,760 | $4,042 |
| USAA | $2,571 | $2,906 | $3,067 |
Best By Category: Cheapest Auto Insurance in Sacramento, California
Compare the cheapest auto insurance companies in Sacramento, California in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Progressive |
| Clean Record | Progressive |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
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The Cheapest Sacramento, California Auto Insurance Companies
What auto insurance companies in Sacramento, California are the cheapest? Compare the top Sacramento, California auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,112 |
| Farmers | $5,979 |
| Geico | $2,995 |
| Liberty Mutual | $3,428 |
| Nationwide | $5,205 |
| Progressive | $2,888 |
| State Farm | $4,773 |
| Travelers | $3,661 |
| USAA | $2,848 |
What affects auto insurance rates in Sacramento, California?
There are a lot of reasons why auto insurance rates in Sacramento, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Sacramento, California. Many local factors may affect your Sacramento auto insurance rates.
Sacramento Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Sacramento, California auto theft statistics, there have been 2,883 auto thefts in the city.
Sacramento Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Sacramento, California commute length is 12.3 minutes according to City-Data.
Sacramento Traffic
How does Sacramento, California rank for traffic? According to Inrix Sacramento, California is the 330th most congested worldwide.
Compare Sacramento, California Auto Insurance Quotes
Before you buy Sacramento, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Sacramento, California auto insurance quotes.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
How does the coverage level selected affect auto insurance rates in Sacramento, California?
The coverage level selected can impact auto insurance rates in Sacramento, with higher coverage leading to higher premiums.
Does the length of the commute affect auto insurance rates in Sacramento, California?
Commute length can affect auto insurance rates in Sacramento, with longer commutes potentially resulting in higher premiums.
How does the location or ZIP code impact auto insurance rates in Sacramento, California?
Location or ZIP code can impact auto insurance rates in Sacramento due to crime rates and accident frequency.
How does a driving record affect auto insurance rates in Sacramento, California?
A driving record with accidents, DUIs, or speeding violations can lead to higher auto insurance rates in Sacramento, CA. Insurance companies generally consider drivers with a clean record as lower-risk, resulting in more affordable premiums.
Are there specific auto insurance discounts available for seniors in Sacramento, California?
Some insurance companies may offer specific discounts for seniors in Sacramento, CA. It’s best to check with individual insurance providers to inquire about any available discounts or special programs for senior drivers.
How can teen drivers find cheap auto insurance in Sacramento, California?
Teen drivers can find cheap auto insurance in Sacramento by comparing quotes and maintaining a clean driving record.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.