On average, full coverage car insurance in Sacramento costs $134 per month. However, prices can range from as low as $130 to as high as $323, depending on various factors. To help drivers better understand what they might pay, the table below lists average car insurance costs for different driver profiles in this city.
Sacramento, CA, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Sacramento: Key Takeaways
In this city, some of the cheapest car insurance companies include GEICO, Progressive, State Farm, National General and Capital Insurance Group, offering competitive rates for various driver profiles.
GEICO provides the most affordable minimum coverage at $34 per month, while Progressive offers the best full coverage option at $86 per month, making them top choices for budget-conscious drivers.
On average, car insurance costs $56 per month for minimum coverage and $134 for full coverage, but these rates can change depending on the driver's individual profile and circumstances.
Car Insurance Quotes in Sacramento, CA
| Young Drivers | $64 | $159 |
| Teens | No Data | $306 |
| Seniors | $52 | $124 |
| Drivers With a Speeding Ticket | $74 | $182 |
| Drivers With a DUI | $126 | $312 |
| Drivers With An Accident | $84 | $206 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
Sacramento vs. State Average
California
State Average Full Coverage Rate
$1,599
Sacramento, CA
City Average Full Coverage Rate
$1,546More:$53 saved
This is 3% less expensive.
What Is the Average Car Insurance Rate in Sacramento?
In Sacramento, the average annual cost for full coverage car insurance is $1,546, while minimum coverage is $635. These rates are lower than California's state averages, which are $1,599 for full coverage and $661 for minimum coverage.
| State Average | $661 | $1,599 |
| Sacramento Average | $635 | $1,546 |
Cheapest Car Insurance Companies in Sacramento
Even though premiums are climbing, you can still find affordable car insurance in Sacramento. GEICO offers the cheapest minimum coverage at $34 per month. For full coverage, Progressive provides the best rate at $86 per month.
WHY CAR INSURANCE IN SACRAMENTO IS CHEAP
Car insurance can be cheaper in Sacramento than the California state average. Statewide, costs are driven up by uninsured drivers, frequent personal injury lawsuits, and insurance fraud. These factors combine to explain why car insurance is expensive in California.
Cheap Car Insurance in Sacramento
GEICO offers the cheapest car insurance for most, but rates vary for each driver. To find the most affordable option, get quotes from multiple providers. Below is a table with the cheapest car insurance rates for a variety of driver profiles.
| GEICO | Minimum Coverage | $34 |
| Progressive | Full Coverage | $86 |
| State Farm | Teens | $215 |
| GEICO | Young Adults | $73 |
| GEICO | Seniors | $61 |
| National General | Drivers With a DUI | $80 |
| Capital Insurance Group | Drivers With An Accident | $98 |
| National General | Drivers With a Speeding Ticket | $80 |
Car Insurance Rates in Sacramento by Company
Finding the cheapest car insurance in Sacramento means comparing rates. We've detailed the most affordable plans for minimum coverage and full coverage below, helping you save.
Cheapest Car Insurance Companies for Minimum Coverage in Sacramento
GEICO offers the cheapest minimum coverage auto insurance at $34 per month. Progressive follows at $38 per month. Check out the breakdown of the cheapest options in the table below.
| GEICO | $34 | $22 |
| Progressive | $38 | $18 |
| CSAA | $40 | $15 |
| Kemper | $46 | $10 |
| State Farm | $50 | $6 |
| National General | $50 | $6 |
| Capital Insurance Group | $50 | $5 |
| State National | $51 | $5 |
| Mercury | $52 | $4 |
| Farmers | $54 | $1 |
| Nationwide | $55 | $0 |
Cheapest Car Insurance Companies for Full Coverage in Sacramento
Progressive offers the most affordable full coverage car insurance in Sacramento at $86 per month. Below is a list of other insurance providers and their rates.
| Capital Insurance Group | $117 | $17 |
| CSAA | $129 | $5 |
| GEICO | $93 | $41 |
| Hartford | $120 | $14 |
| Kemper | $118 | $16 |
| Mercury | $124 | $10 |
| National General | $102 | $32 |
| Progressive | $86 | $48 |
| State Farm | $125 | $8 |
| State National | $116 | $17 |
Car Insurance Companies in Sacramento
To find affordable car insurance, compare quotes from several companies in the area. Progressive offers the cheapest rate at $740 annually. For the best value, consider Capital Insurance Group with a MoneyGeek score of 83. Check the table below for more options in your search.
| Chubb | 83 | $1,341 |
| Capital Insurance Group | 83 | $1,003 |
| Mercury | 73 | $1,056 |
| State Farm | 71 | $1,050 |
| GEICO | 70 | $764 |
| Progressive | 70 | $740 |
| Nationwide | 64 | $1,176 |
| CSAA | 64 | $1,012 |
| Hartford | 60 | $1,057 |
| Travelers | 60 | $1,356 |
| Kemper | 58 | $986 |
| Farmers | 57 | $1,405 |
| National General | 56 | $910 |
| Allstate | 51 | $1,498 |
| State National | No Data | $1,005 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Sacramento by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,546 per year for 40-year-olds and $1,493 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $3,945 | $-1,231 |
| 17 | $3,929 | $-1,215 |
| 18 | $3,703 | $-989 |
| 19 | $2,820 | $-106 |
| 20 | $2,886 | $-172 |
| 21 | $2,522 | $192 |
| 22 | $2,189 | $525 |
| 23 | $2,251 | $463 |
| 24 | $2,155 | $559 |
| 25 | $1,913 | $-201 |
| 40 | $1,546 | $167 |
| 65 | $1,493 | $219 |
Cheapest Car Insurance for Teens in Sacramento
GEICO offers the cheapest overall car insurance for teens with full coverage in Sacramento at $211 monthly, saving $89 compared to the state average. Below, a table breaks down other affordable providers for this age group.
| GEICO | $211 | $89 | $249 |
| State Farm | $232 | $68 | $215 |
| Capital Insurance Group | $271 | $29 | $253 |
| Farmers | $276 | $24 | $338 |
| Allstate | $278 | $22 | $295 |
| Progressive | $282 | $18 | $275 |
| Travelers | $329 | $-29 | $269 |
| Nationwide | $390 | $-90 | $463 |
| Kemper | $431 | $-131 | $398 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Sacramento
GEICO offers the lowest minimum coverage rate for young drivers at $40 per month, while Progressive has the most affordable full coverage at $103 per month. Check the table below to see which providers offer the cheapest rates for various young driver profiles.
| GEICO | Minimum Coverage | $40 |
| Progressive | Full Coverage | $103 |
| National General | Drivers With a DUI | $97 |
| Capital Insurance Group | Drivers With An Accident | $111 |
| National General | Drivers With a Speeding Ticket | $97 |
Cheapest Car Insurance Companies for Young Drivers in Sacramento
GEICO offers the most affordable auto insurance for young drivers at $73 per month. Other companies with competitive rates are shown in the table below.
| GEICO | $73 | $44 |
| Progressive | $74 | $44 |
| National General | $92 | $25 |
| CSAA | $93 | $25 |
| Capital Insurance Group | $94 | $23 |
| State National | $101 | $16 |
| State Farm | $102 | $15 |
| Mercury | $113 | $5 |
| Hartford | $114 | $3 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Sacramento
GEICO and National General offer some of the cheapest car insurance rates, though costs vary based on factors like your driving record. Below is a table showing the cheapest providers for different driver and coverage profiles that may better fit you.
| GEICO | Minimum Coverage | $33 |
| Progressive | Full Coverage | $86 |
| National General | Drivers With a DUI | $81 |
| Capital Insurance Group | Drivers With An Accident | $93 |
| National General | Drivers With a Speeding Ticket | $81 |
Cheapest Car Insurance Companies for Seniors in Sacramento
GEICO offers the cheapest monthly premium for seniors at $61, both for minimum and full coverage. Progressive follows closely with a monthly rate of $62. The table below shows options of the top car insurance providers for seniors in Sacramento.
| GEICO | $61 | $31 |
| Progressive | $62 | $30 |
| State Farm | $68 | $24 |
| Hartford | $77 | $16 |
| National General | $77 | $15 |
| State National | $79 | $13 |
| Capital Insurance Group | $79 | $13 |
| CSAA | $85 | $7 |
| Mercury | $87 | $5 |
| Nationwide | $91 | $1 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Sacramento
Considering all high-risk driver profiles in Sacramento, the cost of minimum coverage averages $1,188 annually, and full coverage is $2,901. These are lower than the state averages of $1,998 and $3,982, respectively. Drivers with bad credit and DUIs on their records tend to pay the most for car insurance, while accidents and speeding tickets have less effect on rates.
| State Average | $1,239 | $2,989 |
| Sacramento Average | $1,188 | $2,901 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Sacramento insurers typically consider minor driving incidents like a not-at-fault accident or speeding ticket for three to five years. For more serious offenses, such as a DUI, the timeframe extends up to ten years, and you might need to file an SR-22 insurance or FR-44 insurance to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Sacramento
National General offers the cheapest minimum coverage for drivers with a DUI at $634 per year. For full coverage, Progressive provides the best rate at $2,394 annually. Check out the table below for more low-cost coverage options.
| National General | $53 | $107 |
| Progressive | $81 | $199 |
| Mercury | $83 | $204 |
| Capital Insurance Group | $87 | $211 |
| GEICO | $81 | $220 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Sacramento
CSAA, Capital Insurance Group, and GEICO are the three cheapest car insurance providers for those with an at-fault accident record. You can find more details about the cheapest auto insurance after an at-fault accident. The table below shows different providers in Sacramento offering cheap car insurance coverage for drivers with an at-fault accident violation.
| Capital Insurance Group | $58 | $138 |
| GEICO | $60 | $155 |
| CSAA | $50 | $163 |
| State National | $72 | $165 |
| Farmers | $74 | $249 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Sacramento
National General is the cheapest car insurance provider for drivers with a speeding ticket in Sacramento, offering state minimum coverage at $53 and full coverage at $107. Check the table below to see how other providers charge drivers with a speeding ticket.
| National General | $53 | $107 |
| Capital Insurance Group | $56 | $135 |
| GEICO | $51 | $139 |
| Kemper | $61 | $157 |
| CSAA | $50 | $163 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Minimum Car Insurance Requirements in Sacramento, CA
In California, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $15,000 for bodily injury liability per person.
- $30,000 for bodily injury liability per accident.
- $5,000 for property damage liability per accident.
Imagine you're in a fender bender. With minimum coverage, your policy helps cover the other driver's car repairs up to $5,000, ensuring you're not out of pocket for damages.
Cheap Car Insurance in Sacramento: Bottom Line
For Sacramento drivers, GEICO offers the cheapest minimum coverage at $34, while Progressive leads with affordable full coverage at $86. Diverse needs? Whether you're a new driver or have a few dings on your credit, you'll find options that won't break the bank. Just make sure your policy includes California's must-haves: bodily and property damage liability, plus uninsured motorist coverage. Compare and save, ensuring you're street-legal without emptying your wallet.
Sacramento Auto Insurance: FAQ
This FAQ section offers quick answers to common questions about finding affordable car insurance in Sacramento. Learn about state minimum coverage, affordable options, and more to make informed decisions on your insurance needs.
What is the cheapest car insurance company in Sacramento, California?
GEICO offers Sacramento drivers the most affordable minimum coverage auto insurance, with monthly rates as low as $34, potentially saving $22.
What is the best car insurance company in Sacramento, California?
State National is the best car insurance provider in Sacramento, California. The annual premium for minimum coverage is $1,005.
How much does car insurance cost on average in Sacramento?
The average monthly rate for minimum coverage auto insurance in Sacramento ranges from $55 to $131.
Best Cheap Car Insurance in Sacramento: Our Methodology
MoneyGeek conducted an analysis of Sacramento auto insurance prices using data from the California Department of Insurance and Financial Services and Quadrant Information Services.
Sacramento Driver Profile
To assess the best and most affordable auto insurance options for Sacramento residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Sacramento
In assessing the car insurance quotes for Sacramento, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to California's mandated liability insurance parameters:
The minimum coverage requirements in California are:
- $15,000 for bodily injury liability per person.
- $30,000 for bodily injury liability per accident.
- $5,000 for property damage liability per accident.
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Sacramento providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Sacramento
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated insurance companies in Sacramento. For more details on how we conduct our analysis, refer to MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. 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's also a 5-time Jeopardy champion!
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.