Cheapest car insurance companies in Sacramento 

Geico and Progressive offer the cheapest car insurance rates in Sacramento for 2023, according to a study by Insurance.com.

In Sacramento, Geico provides the cheapest auto insurance rates to drivers at an average annual premium of $1,943 annually

In Sacramento, what you pay for car insurance depends on factors such as your location, driving history, coverage level, and the insurance carrier. Take time to compare price quotes from at least three insurers to get the best coverage at an affordable rate. The table below shows the car insurance companies with cheap insurance rates. 

CompaniesAverage annual rates
USAA$1,910
Geico$1,943
Progressive$2,198
Mercury Insurance$2,259
Travelers$2,699
Kemper Insurance$2,713
Auto Club Enterprises (AAA)$2,856
CSAA Insurance (AAA)$2,890
State Farm$2,928
Allstate$3,121
Nationwide$3,224
Farmers$3,237

Cheapest car insurance cost in Sacramento by Age Group 

The cheapest auto insurance company in Sacramento for teen drivers is USAA. For full coverage, its average annual rate for Sacramento drivers is $4,191. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance. 

However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.

Among the carriers analyzed, Geico is the cheapest car insurance option for drivers in Sacramento, at $2,564 a year for a full coverage policy.

For Sacramento drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. USAA provides the cheapest car insurance premiums, offering full coverage policies at $1,959 annually

Sacramento senior drivers seeking affordable car insurance should look no further than USAA. It offers the cheapest car insurance rates for seniors, with an average annual premium of $1,929. It makes USAA a good choice for seniors who want to save money without sacrificing coverage. 

CompanyTeensYoung AdultsAdultsSeniors
USAA$4,191$2,583$1,959$1,929
Geico$4,904$2,564$1,961$1,958
State Farm$5,321$3,787$2,925$2,412
Travelers$5,417$3,672$2,722$2,705
Mercury Insurance$5,652$3,792$2,319$2,300
Progressive$6,640$3,685$2,204$2,449
Allstate$6,760$4,058$3,064$2,805
Farmers$6,944$4,577$3,279$3,169
Auto Club Enterprises (AAA)$7,237$4,403$2,945$2,765
Kemper Insurance$8,264$4,788$3,046$3,632
CSAA Insurance (AAA)$9,436$4,480$2,890$2,898
Nationwide$11,132$5,412$3,251$3,107

Cheapest car insurance companies in Sacramento by driver profile 

When determining car insurance rates in Sacramento, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.

Finding the cheapest car insurance in Sacramento requires comparing quotes from multiple companies. This way, you can get the best coverage for your budget. Don't settle for the first offer; explore options for the most affordable fit. 

Based on data analysis by Insurance.com's experts, these are the cheapest car insurance companies for Sacramento drivers based on driver profile.

USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Sacramento. It provides full coverage car insurance for drivers aged 30 at about $2,131 per year

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs. 

CompanyAverage annual premium
USAA$2,131
Geico$2,885
Progressive$3,052
Travelers$3,631
Farmers$4,301
Nationwide$4,350
State Farm$4,485
Allstate$4,834

If you've had an accident, USAA might be your best bet for affordable auto insurance.

For Sacramento drivers with an at-fault accident, USAA offers the cheapest average annual rate at $2,719. It's a great option if you're looking for affordable coverage that won't break the bank.

After an accident, your insurance rates are likely to go up. Finding a provider with competitive rates can help you minimize the financial impact.

CompanyAverage annual rates
USAA$2,719
Progressive$3,488
Geico$3,940
Travelers$4,075
Nationwide$4,637
Farmers$4,798
State Farm$5,049
Allstate$7,525

Among the carriers analyzed, Progressive offers the cheapest auto insurance premiums for drivers with a DUI in Sacramento. On average, its annual full coverage rate is $4,161, making it a significantly cheaper option than other insurance providers.

If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers. 

CompanyAverage annual rates
Progressive$4,161
Geico$4,977
USAA$5,439
Farmers$5,587
Travelers$6,968
Nationwide$8,358
Allstate$13,045
State Farm$14,179

Average car insurance cost in Sacramento 

The average car insurance rate in Sacramento for full coverage is $2,665 per year or $222 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Sacramento is $629 per year. 

Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as

Average annual RatesState minimum average
$2,665$629

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.