Drivers in Sacramento typically spend an annual average of $1,853 on auto insurance, but exploring various options may lead to more affordable coverage.
Each driver gets a unique rate, so shopping around is key to finding the cheapest car insurance in Sacramento or any location.
These rates were derived from public filings acquired through Quadrant Information Services, a pricing analytics company.
The analysis covered both male and female drivers across all ZIP codes in Sacramento, specifically those driving a 2019 Toyota Camry L.
What is the price of car insurance in Sacramento?
In Sacramento, the average cost of a six-month car insurance policy is $1,050, equivalent to $175 per month. Currently, Wawanesa offers the most affordable car insurance in Sacramento, with a rate of $572 for a six-month policy.
Car owners in Sacramento face higher-than-average car insurance costs in California, where the average is $965 for a six-month policy—exceeding the national average of $880.
According to feedback from our customers, 32% of them express dissatisfaction, feeling they pay too much for car insurance.
If you find yourself in this group or need assistance choosing optimal coverage for your vehicle, read on to discover how you can secure a reasonable rate based on factors like your credit score and desired coverage level.
Certainly! Here’s the information presented in a different format:
Location |
Avg. 6 Mo. Premium |
|---|---|
California Average |
$965 |
Sacramento Average |
$1,050 |
This table compares the average 6-month premium for car insurance between California as a whole and Sacramento specifically.
Top Affordable Car Insurance Providers in Sacramento
Gold Medal Winner:
Claiming the top spot is Wawanesa, offering the most budget-friendly car insurance in Sacramento. With a monthly premium of $95 or $572 for a six-month policy, Wawanesa stands out as the most economical choice.
Silver Medal Runner-Up:
Securing the second position is GEICO, providing a solid alternative for affordable car insurance in Sacramento. With a monthly premium of $122, GEICO offers competitive rates.
Bronze Medal Honoree:
Taking the third spot on our list of cost-effective insurers is USAA. Their rates for a six-month policy come in at $857, equivalent to $143 per month, earning them a well-deserved place among the top three most affordable options in Sacramento.
Also read: Cheap Car Insurance Montana
Car Insurance Costs in Sacramento Based on Rating Factors
Sacramento drivers seeking budget-friendly car insurance should know insurers use various factors like driving history, age, and credit score to set rates.
Each company may give these factors different importance, so understanding them is key to finding your best policy.
As you age or experience life changes, your car insurance needs may shift.
Periodically getting quotes ensures you’re getting the most competitive rates.
Considering Sacramento as your car insurance hub could be a smart move for continued cost savings.
Car Insurance Costs in Sacramento Based on Age
In Sacramento, how old you are plays a big role in how much you pay for car insurance. Teens usually pay more because they’re seen as riskier drivers compared to folks in their 20s and up.
The gap between what teens and 20-somethings pay can be huge, sometimes up to $2,830 more each year.
Insurance companies do this to manage risk.
They charge teens more to balance out the higher cost of covering claims for new and less experienced drivers.
Even though it might seem unfair, these age-based factors help companies assess risk and set fair prices for everyone.
Most Affordable Car Insurance for Teen Drivers in Sacramento, CA
| Company | Avg. 6 Mo. Premium |
|---|---|
| Wawanesa | $951 |
| GEICO | $1,713 |
| USAA | $1,900 |
| State Farm | $2,030 |
| Mercury | $2,223 |
| Progressive | $2,357 |
| Allstate | $2,708 |
| Nationwide | $3,587 |
Here’s a list of the most budget-friendly car insurance options for teen drivers in Sacramento, California, along with their average 6-month premiums.
Car Insurance Costs for Minimum Coverage in Sacramento
Picking your car insurance coverage affects how much you pay each month.
Basic coverage is cheap but doesn’t protect much. Lots of Sacramento drivers go for the bare minimum, meeting legal rules but risking big costs after a crash.
For better protection, there’s collision and comprehensive coverage, but they cost more.
Combine them, and you get “full coverage,” each with a deductible.
Higher deductibles might cut your premiums.
In auto insurance, think about extras like roadside help or uninsured motorist coverage.
They can raise your total cost but give crucial protection in emergencies.
The Zebra’s experts say these are worth it for peace of mind on the road.
Most Affordable Auto Insurance Providers for Basic Coverage in Sacramento
Here’s a list of car insurance companies in Sacramento along with their average 6-month premiums:
- GEICO: $200
- Wawanesa: $255
- USAA: $256
- Progressive: $280
- Mercury: $313
- Nationwide: $368
- State Farm: $370
- Allstate: $433
Car insurance costs in Sacramento based on credit scores
In many states, the car insurance rates a driver receives are significantly influenced by their credit score.
Insurance companies interpret the credit score as a signal of the driver’s likelihood to make claims.
Lower credit scores are often linked to a higher probability of filing claims, experiencing coverage lapses, or participating in risky driving habits.
Nevertheless, in California, including Sacramento, the use of credit scores to determine car insurance rates is deemed discriminatory and is not considered a factor.
Car insurance costs after causing an accident
At-fault accidents and other collisions top the list for common insurance claims.
These claims can seriously hike up your insurance rates.
After an at-fault accident, average rates in Sacramento can jump anywhere from $4 to $128 per month. Wawanesa stands out as the most affordable insurance company in Sacramento post-accident.
Keeping a clean driving record is the key to maintaining low insurance rates.
All violations can bump up your rates, but some, like speeding, accidents, and DUIs/DWIs, hit harder.
In Sacramento, these infractions stick around on your record, impacting your premium for three to five years, depending on their severity.
Car insurance costs after causing an accident
Certainly! Here’s the information presented in a table format:
| Company | Avg. 6 Mo. Premium |
|---|---|
| Wawanesa | $858 |
| USAA | $1,218 |
| GEICO | $1,317 |
| Mercury | $1,595 |
| Nationwide | $1,645 |
| State Farm | $1,822 |
| Progressive | $1,875 |
| Allstate | $2,068 |
What factors contribute to the high cost of car insurance in Sacramento?
Your Sacramento location impacts your car insurance rates. While personal details matter, where you live matters too.
Neighborhoods differ in crime, theft, and uninsured drivers.
Riskier areas mean higher premiums. Living in a high-crime zone typically results in pricier car insurance compared to safer neighborhoods.
Location:
- Where you live in Sacramento affects car insurance rates.
- Individual factors matter, but your neighborhood is crucial.
- Crime rates, theft, and uninsured motorists vary by ZIP code.
- Riskier areas lead to higher premiums.Expensive Sacramento ZIP codes:
- 95824, 95815, 95832, 95823, 95814
Cheap Sacramento ZIP codes:
- 95819, 95831, 95758, 95818, 95835
Weather Risk:
- While California has mild weather, it faces natural disasters, especially wildfires.
- In 2021, California had 9,200 fires, burning two million acres.
- Frequent weather damage prompts insurance companies to raise rates.
- Some insurers exit the California market due to wildfire risks.
Drivers:
- Multiple transportation options exist in Sacramento, but personal vehicles are common.
- The high number of drivers increases accident likelihood.
- Around 33% of Sacramento drivers are uninsured.
- Consider uninsured motorist coverage to protect against damages caused by uninsured drivers.
Securing and maintaining the most affordable car insurance in Sacramento
Drivers looking for the most budget-friendly car insurance rates in California might want to explore the following options.
- Explore multiple options: Industry experts advise getting quotes from various insurance companies to identify the most cost-effective premium for your required coverage
- . Ensure consistency in coverage types and limits when seeking quotes for valid comparisons.
- Inquire about discounts: Many insurers provide discount opportunities for qualifying drivers.
- To cut costs, reach out to your insurance agent or check your insurer’s website to discover potential discounts you may be eligible for.
Explore various options to find cost-effective insurance.
Consider multiple options for affordable insurance:
Regardless of your current auto insurance provider, it’s crucial to explore and compare quotes from various companies.
Prices and promotions evolve, and you might find savings by switching to a different insurer.
Maximize potential discounts:
Numerous insurers provide car insurance discounts, such as bundling different insurance types or maintaining a claims-free record for an extended period.
Make sure to capitalize on these opportunities to reduce your premiums.
Approach
NerdWallet analyzed insurance estimates for a “good driver” profile in the city. This profile consisted of single male and female drivers with good credit, no tickets, or violations.
The study considered major insurance companies in each state, with smaller insurers included if rates were accessible.
Liberty Mutual and its subsidiaries were excluded due to unavailable rates.
The analysis applied a 35-year-old driver (unless otherwise specified) using a 2019 Toyota Camry L, assuming an annual mileage of 12,000 miles.
Certainly! Here’s the information presented in a table format:
| Coverage | Limit |
|---|---|
| Bodily Injury Liability (per individual) | $100,000 |
| Bodily Injury Liability (per accident) | $300,000 |
| Property Damage Liability (per accident) | $50,000 |
| Uninsured Motorist Coverage (per person) | $100,000 |
| Uninsured Motorist Coverage (per accident) | $300,000 |
| Collision Coverage (deductible) | $1,000 |
| Comprehensive Coverage (deductible) | $1,000 |
When mandated by regulations, we included essential additional coverages. Certain policies may encompass extra coverages based on the insurer’s discretion.
FAQs
Which car insurance companies stand out as top choices?
Bankrate’s research highlights Geico, Amica, and USAA among the best car insurance companies for 2023.
However, considering that each driver has unique needs and circumstances, rates can differ based on various factors like vehicle type, driver age, driving history, credit score, coverage limits, and more.
To secure cost-effective rates while maintaining quality coverage, a highly effective approach is to gather insurance quotes from multiple providers and conduct a thorough comparison.
What amount of car insurance is necessary in California?
In nearly every state, it’s a legal requirement for drivers to possess car insurance, and the mandatory coverage types and limits can differ from state to state.
In California, the law stipulates that all drivers must carry a minimum of $15,000 in bodily injury liability per person, $30,000 in bodily injury liability per accident, and $5,000 in property damage liability per accident.
Alternatively, drivers have the option to either deposit $35,000 in cash with the DMV or obtain a self-insurance certificate of equivalent value from a licensed company recognized by the DMV.
To determine the ideal coverage for your needs, consulting with an insurance agent is often recommended.
Is wildfire damage covered by car insurance in Sacramento?
If a wildfire damages or destroys your car, coverage may be available through your auto insurance, but only if your policy includes comprehensive coverage.
Typically found in full coverage car insurance, comprehensive coverage encompasses both comprehensive and collision coverage.
The purpose of comprehensive coverage is to assist in covering the costs of repairing or replacing a vehicle after a non-collision incident, such as theft or a natural disaster like a wildfire.