Best Cheap Auto Insurance in Sacramento, CA (2021)

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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • 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.

Minimum Required Auto 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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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.

Annual Auto 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

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.

Annual Auto 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

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.

Annual Auto 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

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.

Annual Sacramento, California Auto 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

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.

Annual Auto Insurance Rates After a DUI in Sacramento, California

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.

Annual Auto 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

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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.

Annual Auto Insurance Rates by Commute Length in Sacramento, California

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.

Annual Auto 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

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.

Best Annual Auto 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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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.

Average Annual Auto 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 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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