Who Has the Cheapest Auto Insurance Quotes in Sacramento, CA?
Geico is the most affordable option for Sacramento drivers, with an average rate of $126 per month for full coverage and $44 per month for minimum coverage.
Compare Car Insurance Rates in Sacramento
Best cheap car insurance companies in Sacramento
How we chose the top companies
Best and cheapest car insurance in Sacramento, California
- Cheapest full coverage: Geico, $126/mo
- Cheapest minimum liability: Geico, $44/mo
- Cheapest for young drivers: State Farm, $126/mo
- Cheapest after a ticket: Geico, $197/mo
- Cheapest after an accident: Progressive, $244/mo
- Cheapest for teens after a ticket: Geico, $154/mo
- Cheapest after a DUI: Mercury, $281/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest car insurance in Sacramento: Geico
Geico has Sacramento's cheapest full coverage car insurance. The company's average rate in the city is $126 per month.
Geico's rate is 31% lower than the Sacramento average of $182 per month. It's also $22 cheaper per month than the second-cheapest option, Progressive.
Compare Car Insurance Rates in Sacramento
Cheapest full coverage car insurance in Sacramento
Company | Monthly rate | |
|---|---|---|
| Geico | $126 |
| Progressive | $148 |
| Mercury | $158 |
| State Farm | $193 |
| AAA NorCal | $207 |
*USAA is only available to current and former military members and their families.
Cheapest liability insurance quotes in Sacramento: Geico
Geico has the cheapest rates for minimum coverage policies in Sacramento, with an average of $44 per month.
Progressive and AAA also offer cheaper-than-average rates, $56 and $57 per month, respectively. Both are cheaper than the city average of $64 per month.
Cheapest minimum coverage car insurance in Sacramento, CA
Company | Monthly rate |
|---|---|
| Geico | $44 |
| Progressive | $56 |
| AAA NorCal | $57 |
| Mercury | $63 |
| State Farm | $66 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for young drivers: State Farm and Geico
State Farm is the cheapest option for teen drivers who want liability-only coverage in Sacramento. State Farm's average price is $126 per month.
For full coverage, Geico has the lowest rate, at $329 per month.
Younger drivers are less experienced behind the wheel and often take more risks, so they usually pay substantially more for car insurance than older adults. An 18-year-old driver pays an average of $169 per month for minimum coverage, which is two and a half times as much as a 30-year-old.
Cheapest car insurance for teens
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $126 | $334 |
| Geico | $137 | $329 |
| Mercury | $163 | $378 |
| Progressive | $170 | $448 |
| AAA | $188 | $637 |
*USAA is only available to current and former military members and their families.
Teen drivers can get much cheaper rates by sharing a policy with a parent or family member, taking a safe driving course or qualifying for a good student discount.
Cheapest car insurance for people with a speeding ticket: Geico
Geico has the cheapest car insurance for Sacramento drivers after a speeding ticket, at $197 per month for full coverage. That's 23% less than the city average, and $28 per month cheaper than the second-cheapest option, Mercury.
Cheapest car insurance after a speeding ticket
Company | Monthly rate |
|---|---|
| Geico | $197 |
| Mercury | $225 |
| Progressive | $227 |
| AAA | $262 |
| State Farm | $294 |
*USAA is only available to current and former military members and their families.
Insurance companies have found drivers who get speeding tickets or other infractions make insurance claims more often. So you'll pay more after a speeding ticket. After a ticket, rates go up an average of 42% across the major companies in Sacramento.
Cheapest car insurance in Sacramento after an accident: Progressive
In Sacramento, Progressive is the cheapest auto insurance company after a driver is at fault in a car crash. The company offers average rates of $244 per month for full coverage, a savings of $123 per month compared to the average price citywide.
Cheapest car insurance after an accident
Company | Monthly rate |
|---|---|
| Progressive | $244 |
| Mercury | $251 |
| Geico | $321 |
| State Farm | $379 |
| AAA | $422 |
*USAA is only available to current and former military members and their families.
Insurance companies often raise rates after you're involved in an at-fault accident because drivers who've caused a crash before are statistically more likely to do so again in the future. On average, rates will about double in Sacramento after an accident.
Cheapest car insurance for young drivers after an incident: Geico
Geico has the lowest rates in Sacramento for 18-year-old drivers after an accident or speeding ticket. The company's average rate for minimum coverage is $154 per month after a ticket and $188 per month after an accident.
Company | Ticket | Accident |
|---|---|---|
| Geico | $154 | $188 |
| State Farm | $200 | $211 |
| Mercury | $216 | $205 |
| Progressive | $221 | $247 |
| Farmers | $261 | $261 |
*USAA is only available to current and former military members and their families.
A ticket raises rates for teen drivers by 31% compared to a clean record, while an accident raises rates by 48%. That's actually a smaller increase than an older adult would face because teens' higher likelihood of making a claim is already accounted for in their rates.
Cheapest car insurance for drivers with a DUI: Mercury
Mercury offers the cheapest rates in Sacramento for drivers following a DUI, at an average price of $281 per month for full coverage. Drivers in the city overall pay an average of $491 per month after a DUI conviction.
Cheapest car insurance for Sacramento drivers with a DUI
Company | Monthly rate |
|---|---|
| Mercury | $281 |
| Geico | $319 |
| Progressive | $356 |
| Farmers | $484 |
| AAA | $747 |
*USAA is only available to current and former military members and their families.
Driving while under the influence is among the most serious commonly committed driving infractions, and it comes with harsh penalties, often including losing your license. Getting a DUI in Sacramento will nearly triple your rates, on average.
Average car insurance cost in Sacramento, by neighborhood
The cheapest insurance in Sacramento is in the area around East Sacramento. Full coverage car insurance costs an average of $160 per month there.
The city's most expensive car insurance is in the area around Meadowview. Residents there pay an average of $199 per month.
One factor that impacts car insurance rates is where you live — even within a single city. You might pay more for car insurance if car theft is common in your area or if your neighborhood has lots of narrow or fast-moving roads. The average cost of car insurance in Sacramento can change by up to $39 per month, just based on where you live.
ZIP | Monthly rate | % from average |
|---|---|---|
| 95758 | $170 | -7% |
| 95811 | $190 | 4% |
| 95814 | $196 | 8% |
| 95815 | $197 | 8% |
| 95816 | $176 | -3% |
What's the best car insurance coverage in Sacramento, CA?
Full coverage policies are the best choice for most people. Full coverage is sometimes required if you have a lease or loan on your car. It's also worth it if the cost of replacing your vehicle would be a severe financial hardship to you or if your car is worth more than $5,000.
- Comprehensive coverage: Pays for damage to your car that's caused by something other than a crash, such as falling rocks or a house fire. It also covers theft.
- Collision coverage: Pays for damage to your car due to a collision, regardless of how many people were involved or whether you were at fault.
Frequently asked questions
How much is car insurance in Sacramento?
The average price of minimum coverage car insurance in Sacramento is $65 per month, while full coverage costs an average of $182 per month. Geico has the lowest rates for good drivers for both full and minimum coverage.
Who has the cheapest car insurance in Sacramento?
Geico has the lowest rates in Sacramento, at $44 per month for minimum coverage and $126 per month for full coverage.
What's the best car insurance company in Sacramento?
USAA and State Farm have the best-rated car insurance in Sacramento. Each company has a strong combination of good coverage options, low rates and good customer service, though USAA is only available if you're affiliated with the military.
Methodology
ValuePenguin collected data from the largest insurance companies in California. Quotes are for a 30-year-old man with a 2015 Honda Civic EX and good credit.
Minimum coverage policies include the legally required limits in California.
Full coverage quotes include the following limits:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Medical payments coverage: $15,000
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different. All AAA car insurance quotes are from AAA of Northern California.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.