The right Sacramento insurance depends on your coverage and driver profile. For full coverage, Progressive is most affordable, while GEICO offers the best rates for families with teens and for minimum coverage. The top service accolade goes to Chubb, differing from the best overall Capital Insurance Group, which balances cost and service. The right choice for you hinges on personal preferences and coverage needs.
Cheapest and Best Car Insurance in Sacramento, CA (2024)
Updated: December 19, 2024
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Key Takeaways
In Sacramento, GEICO offers the cheapest minimum coverage car insurance at $409 annually, compared to Allstate’s highest premium of $791, underscoring the potential savings of $382 by diligently comparing providers.
In Sacramento, the most significant savings on full coverage car insurance can be achieved by choosing Progressive, which offers a premium of $1,027 annually—$985 less than the highest-priced policy from Travelers—underscoring the importance of comparing rates.
In Sacramento, military drivers can find the most affordable full coverage car insurance with Progressive, offering a rate of $1,027 per year, compared to GEICO's $1,120 per year, underscoring Progressive's competitive edge in pricing for this demographic.
Why Trust MoneyGeek? We analyzed 352,910 quotes in California, including the city of Sacramento, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Sacramento insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.
These rates reflect the cheapest car insurance quotes in Sacramento, CA, as of July 2024.
352,910Quotes Analyzed
18Companies Compared
Cheapest Minimum Liability Car Insurance in Sacramento
MoneyGeek found that GEICO is the cheapest option for cheapest car insurance in Sacramento.
- GEICO: $409 per year
- CSAA: $449 per year
The company offering the most expensive minimum coverage policy in Sacramento is Allstate, with an annual premium of $791. This exemplifies why it's essential to compare car insurance rates.
Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Minimum Coverage
| GEICO | $409 | $34 |
| CSAA | $449 | $37 |
| Progressive | $454 | $38 |
| Mercury | $500 | $42 |
| Kemper | $552 | $46 |
| State Farm | $594 | $50 |
| National General | $600 | $50 |
| Capital Insurance Group | $602 | $50 |
| State National | $613 | $51 |
| Farmers | $617 | $51 |
| Nationwide | $663 | $55 |
| Hartford | $671 | $56 |
| Travelers | $709 | $59 |
| Chubb | $789 | $66 |
| Allstate | $791 | $66 |
Across all of California, vehicle owners are subject to state-mandated minimum car insurance coverages:
- $15,000 bodily injury per person
- $30,000 bodily injury per accident
- $5,000 property damage liability per accident
Under a minimum coverage policy, if you're responsible for an accident that injures another person, your insurer would cover up to $15,000 for that individual's claims. If multiple people are injured, the policy would provide up to $30,000 for the entire accident. However, should the injuries to any one person exceed $15,000, or the sum for all injured surpass $30,000, you would be financially responsible for the difference.
Cheapest Full Coverage Car Insurance in Sacramento
MoneyGeek found that Progressive offers the most affordable option for cheapest full coverage car insurance in Sacramento.
- Progressive: $1,027 per year
- GEICO: $1,120 per year
Travelers presents the most expensive full coverage policy in the city at $2,012 annually. Considering Progressive's premium is $985 less than Travelers, it highlights the value of comparing rates to save on full coverage car insurance.
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Age Group:30-59
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Coverage:Full Coverage
| Progressive | $1,027 | $86 |
| GEICO | $1,120 | $93 |
| National General | $1,219 | $102 |
| Mercury | $1,283 | $107 |
| State National | $1,396 | $116 |
| Capital Insurance Group | $1,405 | $117 |
| CSAA | $1,418 | $118 |
| Kemper | $1,419 | $118 |
| Hartford | $1,444 | $120 |
| Allstate | $1,466 | $122 |
| State Farm | $1,505 | $125 |
| Nationwide | $1,689 | $141 |
| Chubb | $1,893 | $158 |
| Farmers | $1,999 | $167 |
| Travelers | $2,012 | $168 |
A Sacramento policy for full coverage includes $100,000 for individual bodily injury liability, $300,000 per incident for multiple bodily injuries and $100,000 for property damage liability per collision. In industry parlance, one could refer to this as a 100/300/100 policy configuration.
Full coverage insurance plans don't only elevate your liability caps; they also include comprehensive and collision insurance.
Collision Insurance: This insurance type takes care of repair costs for your vehicle in cases where it collides with another vehicle or object like a tree or light pole. It also covers rollover accidents and pothole damage.
Comprehensive Insurance: This variant provides coverage for various non-collision incidents that could affect your car, such as theft or weather-inflicted damages, natural disasters and being struck by an animal like a deer.
Opting for full coverage insurance is highly recommended for new vehicle owners. However, for those with older models, the added benefits may not justify the increased cost. To determine the appropriate amount of car insurance you need, it's essential to weigh your coverage needs with the costs involved.
Cheapest Car Insurance in Sacramento After a Driving Offense
The cheapest option in Sacramento for drivers with a poor driving record and full coverage policy varies according to the type of violation. For those looking for the cheapest company for drivers with a poor driving record, the leading companies offering the most affordable rates for each specific offense are:
- Speeding Ticket: National General ($1,279 per year)
- At-fault accident: Capital Insurance Group ($1,654 per year)
- DUI: National General ($1,279 per year)
Among the priciest car insurance quotes, Hartford stands out for a record with a DUI at $5,266 annually.
Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
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Incident:Speeding
| National General | $1,279 | $107 |
| Capital Insurance Group | $1,617 | $135 |
| GEICO | $1,663 | $139 |
| Mercury | $1,692 | $141 |
| CSAA | $1,791 | $149 |
| Kemper | $1,882 | $157 |
| Progressive | $1,933 | $161 |
| State National | $1,985 | $165 |
| Allstate | $2,141 | $178 |
| Hartford | $2,164 | $180 |
| State Farm | $2,235 | $186 |
| Chubb | $2,486 | $207 |
| Farmers | $2,770 | $231 |
| Nationwide | $2,920 | $243 |
| Travelers | $3,048 | $254 |
In Sacramento, as in other cities, insurance rates climb with the severity of driving infractions due to the elevated risk insurers take on. For instance, drivers with a speeding ticket face an average annual rate of around $2,107, while those with a DUI are looking at approximately $3,586.
Cheapest Car Insurance in Sacramento for Teens and Their Families
MoneyGeek found that GEICO offers the most affordable full coverage car insurance for both female and male teens in Sacramento. This is essential knowledge for families wanting to add a teenager to their policies and seeking the cheapest car insurance for teens.
- GEICO: $2,724 per year for female teens and $2,846 per year for male teens
- State Farm: $2,982 per year for female teens and $2,982 per year for male teens
These rates represent the cost for a policy covering a combination of two parents and a teenager. In Sacramento, Kemper has the most expensive teen family policy priced at $5,925.
Data filtered by:Results filtered by:
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Age:16
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Gender:Female
| GEICO | $2,724 | $3,170 |
| State Farm | $2,982 | $3,042 |
| Farmers | $3,397 | $4,412 |
| Capital Insurance Group | $3,486 | $3,253 |
| Progressive | $3,507 | $3,492 |
| Allstate | $3,598 | $3,933 |
| Travelers | $4,310 | $3,609 |
| Nationwide | $5,518 | $7,151 |
| Kemper | $5,925 | $5,780 |
In Sacramento, teens purchasing individual auto insurance may find their premiums significantly higher compared to being included in a family policy. On average, an individual teen driver's annual premium runs approximately $4,259, in contrast with the more economical average family premium of $3,952. Rates are often higher for individual teen policies due to the elevated risk insurers associate with inexperienced drivers.
Cheapest Car Insurance in Sacramento for Military Drivers
MoneyGeek found that Progressive offers the most affordable full coverage car insurance for those with military backgrounds in Sacramento. Looking for the cheapest car insurance for military backgrounds? Consider these top options:
- Progressive: $1,027 per year
- GEICO: $1,120 per year
Although not the cheapest, USAA's annual premium of $1,208 is competitive. USAA is not only known for affordable rates but also for exceptional service specifically catering to active duty military members.
Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
| Progressive | $1,027 | $86 |
| GEICO | $1,120 | $93 |
| USAA | $1,208 | $101 |
| National General | $1,219 | $102 |
| Mercury | $1,283 | $107 |
| State National | $1,396 | $116 |
| Capital Insurance Group | $1,405 | $117 |
| CSAA | $1,418 | $118 |
| Kemper | $1,419 | $118 |
| Hartford | $1,444 | $120 |
| Allstate | $1,466 | $122 |
| State Farm | $1,505 | $125 |
| Nationwide | $1,689 | $141 |
| Chubb | $1,893 | $158 |
| Farmers | $1,999 | $167 |
| Travelers | $2,012 | $168 |
How to Compare Cheap Sacramento Car Insurance Quotes Online
MoneyGeek's car insurance calculator can help you find car insurance estimates in Sacramento. Just input particulars like age, driving history, credit standing, preferred coverage level and more to receive an instant rate estimate, simplifying your search for the optimal insurance plan.
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Rates updated:
Dec 20, 2024
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Best Car Insurance in Sacramento: Overview
Unveiling the top car insurance candidates in Sacramento, MoneyGeek's evaluation reveals distinct winners in varying categories, each assessed with a unique scoring system.
- Best overall: Capital Insurance Group (MoneyGeek score 81 out of 100)
- Best for service: Chubb (MoneyGeek score 94 out of 100)
- Best cheap: Mercury (MoneyGeek score 76 out of 100)
While Capital Insurance Group emerges as the standout for overall value, blending solid service with affordability, Chubb excels in providing premier customer service, while Mercury offers a compelling mix of cost-effectiveness and dependable service.
Overall Best Car Insurance in Sacramento
MoneyGeek found that Capital Insurance Group is the premier provider of the best car insurance in Sacramento, offering unparalleled service and affordability.
- Capital Insurance Group: MoneyGeek score of 81 out of 100 ($1,405 per year)
- Chubb: MoneyGeek score of 79 out of 100 ($1,893 per year)
Capital Insurance Group has high satisfaction and affordability scores, which are the most significant contributors to its overall MoneyGeek score.
Best OverallCapital Insurance Group
MoneyGeek Score:
81/ of 100
Overview
Capital Insurance Group's high MoneyGeek score is heavily influenced by high scores in satisfaction and solid performances in claims and coverage. It offers roadside assistance but not rental car and/or travel reimbursement. However, it offers rare coverages such as full glass coverage and custom parts coverage. Capital Insurance Group also has high scores in claims.
Best Car Insurance in Sacramento for Customer Service
MoneyGeek found that Chubb is the standout choice in Sacramento for the best car insurance when prioritizing customer service. This commendation is built upon customer general satisfaction, claims processing excellence, and extensive coverage options.
- Chubb: MoneyGeek score of 94 out of 100 ($1893 per year)
- Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1405 per year)
Chubb distinguishes itself by achieving the highest marks in claims satisfaction and stability suggesting unmatched reliability.
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100
Overview
Boasting particularly high satisfaction and claims scores, Chubb stands out with its prominent MoneyGeek score. Chubb offers rental car and/or travel reimbursement and roadside assistance. It's rare coverages, such as antique/classic car Insurance, OEM coverage and diminished value coverage help it appeal to different customers.
Best Cheap Car Insurance Companies in Sacramento
Mercury is the best option for cheap car insurance in Sacramento, delivering a balance of cost and quality service. They emphasize that while affordability is a significant factor, Mercury's MoneyGeek score also reflects solid performance in customer satisfaction.
- Mercury: MoneyGeek score of 76 out of 100 ($500 per year)
- GEICO: MoneyGeek score of 75 out of 100 ($409 per year)
Best Cheap CompanyMercury
MoneyGeek Score:
76/ of 100
Overview
Mercury excels in affordability and coverage, offering exceptional value and comprehensive options to policyholders. With an average annual premium of just $500, the average driver enjoys budget-friendly minimum coverage year-round.
Mercury has good affordability, significantly contributing to its impressive MoneyGeek score. It also offers reasonably rare discounts such as automatic payment and senior driver benefits . It also offers common discounts: bundling, multiple car, safe driving and even an anti-theft system. It also offers a paperless discount and a pay-in-full discount.
Average Cost of Car Insurance in Sacramento
In Sacramento, the average car insurance cost stands at $1,494. Car insurance premiums are influenced by a multitude of factors, among which location is particularly significant.
Insurers consider elements such as accident rates, vehicle theft statistics, local regulations, and the number of uninsured motorists when determining rates for specific regions. According to MoneyGeek’s analysis, Glendale has the most costly car insurance in California at $2,433.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.