Cheap Quotes for Sacramento, CA Car Insurance (2021)

Sacramento, California car insurance rates average $342 a month and California law requires coverage of at least 15/30/5. By comparing rates from multiple Sacramento, CA companies, you can find cheap Sacramento car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Sacramento, CA after a DUI are $5,760/year
  • Sacramento has an average commute time of 12.3 minutes
  • The cheapest car insurance company in Sacramento is USAA

How do the Sacramento, California monthly average car insurance rates of $342/month compare to nearby cities like Oakland car insurance rates, San Diego car insurance rates, and San Francisco car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Sacramento, CA.

We’ll cover the California minimum coverage requirements, California car insurance laws, and Sacramento, CA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Sacramento, California companies to find the most affordable Sacramento car insurance rates.

Enter your ZIP code above to find cheap Sacramento, CA car insurance quotes today.

What are the minimum Sacramento, CA car insurance requirements?

To meet California minimum car insurance coverage requirements, Sacramento, CA drivers need to carry at least 15/30/5 coverage.

Minimum Required Car Insurance Coverage 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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Average Sacramento, CA Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Sacramento, CA you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Sacramento, California

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

How do age, gender, and marital status affect Sacramento, CA car insurance rates?

Three of the criteria that most affect car insurance rates in Sacramento, California are age, gender, and marital status. Let’s take a look at how each of these stack up with top Sacramento car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Sacramento, California

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

How much do teen drivers pay for car insurance in Sacramento, CA?

Sacramento, California car insurance rates for teens are often higher than rates for other drivers. Compare Sacramento car insurance rates from multiple Sacramento, California car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers 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

How much do senior drivers pay for car insurance in Sacramento, CA?

With a little research, seniors can find affordable car insurance in Sacramento, California. Here’s a look at how the top Sacramento car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Sacramento, California

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

How does coverage level affect Sacramento, CA car insurance rates?

How much coverage do you need? Are you comfortable with the California minimum of 15/30/5 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Sacramento, CA car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Sacramento, California

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

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How does your driving record affect Sacramento, CA car insurance rates?

Safe driving pays off. The more traffic violations you have in Sacramento, CA, the higher your car insurance rates will be. Compare rates based on driving infractions from top Sacramento, California companies.

Annual Sacramento, California Car Insurance Rates by Driving Record

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

How does a DUI affect Sacramento, CA car insurance rates?

With even one DUI on your record, you can see an increase in your Sacramento, CA car insurance rates.

Annual Car Insurance Rates After a DUI in Sacramento, California

Insurance Company Annual Car 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

How does your commute affect Sacramento, CA car insurance rates?

Sacramento, CA car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for California can be seen here. Remember, though, that you may have to carry substantially more car insurance in Sacramento if you’re financing.

Annual Car Insurance Rates by Commute Length in Sacramento, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Who has the cheapest Sacramento, CA car insurance rates?

Here’s a breakdown of Sacramento, California car insurance rates by company. You can see which company offers the cheapest Sacramento car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Sacramento, California

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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What are the top Sacramento, CA car insurance companies?

Which Sacramento, California car insurance company will best fit your needs and budget? Check out this comparison of the top Sacramento companies to find the one for you.

Average Annual Car Insurance Rates by Company in Sacramento, California

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 factors affect Sacramento, CA car insurance rates?

Why are Sacramento, California car insurance rates different than rates in Oakland or San Diego? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Sacramento, CA?

FBI statistics show that the Sacramento, California car theft rate is 2,883 thefts each year. High theft rates can lead to higher than average Sacramento, CA car insurance rates.

How long is the average commute in Sacramento, CA?

More time spent behind the wheel can lead to higher Sacramento, California car insurance rates. In Sacramento, CA, the average commute length is 12.3 minutes.

What is the traffic like in Sacramento, CA

Like commute length, time spent in traffic also increase risk of accidents. Sacramento, CA is listed as 330th in INRIX congested cities data.

Car Insurance Quotes for Sacramento, CA

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