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Car insurance coverage in Sacramento costs an average of $2,161 annually for full coverage. That's $714 more expensive than the national average of $1,447. If you are looking for the cheapest car insurance in Sacramento, consider comparing quotes from multiple insurers. Rates can vary by hundreds of dollars, depending on your age, driving record, and the type of car you own.

Read this guide to find out which insurance companies in Sacramento provide the best car insurance coverage for you. Also, know about the carriers that have the best ratings for customer satisfaction and what rate each provider offers for your specific situation.

Cheapest car insurance companies in Sacramento

GEICO General is the cheapest car insurance company in Sacramento with an average cost of $1,338 per year, based on insurance.com's rate analysis. While United Financial Casualty Co is second in terms of the cheapest car insurance companies in Sacramento. The table below shows how major insurance carriers rank for price.

CompanyAverage Annual Rates
GEICO General Ins Co$1,338
United Financial Casualty Co$1,338
USAA Casualty Ins Co$1,425
Mercury Ins Co$1,708
California Capital Ins Co$2,132
Alliance United Ins Co$2,191
Hartford Underwriters Ins Co$2,305
Travelers Commercial Ins Co$2,338
Interinsurance Exchange$2,339
Metropolitan Direct P&C Ins Co$2,390
Nationwide Ins Co of Am$2,428
Allstate Northbrook Ind Co$2,546
State Farm Mutl Automobile Ins$2,563
Farmers Ins Exchange$2,632
CSAA Ins Exchange$2,738

Cheapest car insurance cost in Sacramento by age group

Among the carriers surveyed by Insurance.com, Geico Gen Ins Co is the cheapest car insurance company for adult drivers. It offers insurance at about $1,399 a year or $117 a month.

Rates typically drop as you gain more experience on the road and adult drivers can save money by shopping around and availing themselves of the discounts for which they are eligible. Geico Gen Ins Co is also the cheapest auto insurance company for seniors with an average cost of $1,230 annually.

Car insurance rates go up for drivers after they enter their senior years, but they can trim their insurance costs by comparing quotes. Apart from shopping around, seniors can take advantage of the driver discounts available to lower their car insurance premiums.

Geico Gen Ins Co offers the cheapest car insurance for young adults in Sacramento at about $2,750 a year. While State Farm Mut Auto Ins Co is the cheapest insurance provider for teen drivers for full coverage at an average of $4,394 a year.

The table below shows that young drivers pay higher car insurance rates than adult and senior drivers because of the lack of experience on the road. But young drivers can lower their insurance rates by shopping around, by taking advantage of the good student discount, or by staying on their parents' insurance policy for as long as they can.

Company NameAdultsSeniorsTeensYoung Adults
Geico Gen Ins Co$1,399$1,230$6,385$2,750
United Financial Cas Co$1,692$1,513$5,398$3,000
Allstate Northbrook Ind Co$2,206$1,783$7,355$3,705
State Farm Mut Auto Ins Co$2,378$1,959$4,394$3,063
Amco Ins Co$2,607$2,446$8,641$4,431
Farmers Ins Exch$2,776$2,538$8,382$5,504

Cheapest car insurance companies in Sacramento by driver profile

Location and driving record are the two important factors that determine the cost of your car insurance. Your driving record can either raise or lower your car insurance premium depending on whether you have a good or bad driving history.

However, you can still find affordable coverage in Sacramento no matter what your driving history looks like. Make sure you compare the rates of different insurance companies to get the best deal possible.

  • Cheapest for a driver with a speeding ticket: USAA
  • Cheapest for accident: USAA
  • Cheapest for DUI: Mercury

Cheapest auto insurance for drivers with a speeding ticket: USAA

USAA is the cheapest auto insurance company for a driver with a speeding ticket in Sacramento. Its average annual premium is $2,150 annually or $179 per month.

If you get a speeding ticket, it can lead to higher insurance rates for 3-5 years. Make sure you compare price quotes from multiple insurers before you decide on the company.

CompanyAvgerage Annual Rates
California Capital Ins Co$3,243
Interinsurance Exchange$4,159
State Farm$4,176
Farmers Ins$4,597
Alliance United Ins Co$4,676
Hartford Underwriters Ins Co$4,911

Cheapest auto insurance after an at-fault accident: USAA

USAA offers the cheapest car insurance rates for a driver with an accident record in Sacramento at about $3,251 per year. Apart from USAA, Mercury, United, and Geico are other cheap insurance companies on our list.

CompanyAvgerage Annual Rates
Interinsurance Exchange$4,957
State Farm$5,393
Farmers Ins$5,745
California Capital Ins Co$5,837
Hartford Underwriters Ins Co$6,769
Alliance United Ins Co$7,667

Cheapest auto insurance after a DUI: Mercury

Mercury is the cheapest insurance company for a driver after a DUI or DWI offense in Allakaket at about a $3,843 year.

If you're convicted of a DUI, your insurance rates will go up and it could be years before they come down again. So, it's important to shop around and find the best deal for you.

CompanyAvgerage Annual Rates
California Capital Ins Co$5,054
Farmers Ins$5,745
Alliance United Ins Co$7,667
Interinsurance Exchange$9,461
State Farm$9,668
Hartford Underwriters Ins Co$12,390

Average car insurance cost in Sacramento

The average car insurance rate in Sacramento is $2,161 a year for a full coverage policy of 100/300/100 for a driver age 30, $714 more than the national average of $1,447.

The average annual premium in Sacramento for minimum coverage is $639 a year or $53 a month, based on Insurance.com's rate analysis.

Average Annual RatesState Minimum Average