Cheapest car insurance companies in Sacramento 

After an in-depth analysis, found that Geico and Progressive are the cheapest car insurance companies in Sacramento for 2023. 

The car insurance company in Sacramento that provides the cheapest car insurance premiums is Geico, with an average annual rate of $1,943 .

When it comes to car insurance costs in Sacramento, several factors come into play. Your location, driving record, coverage level, and the insurance company you choose can all affect the price you’ll pay. Make sure you shop around and compare policies apples to apples to get a good deal on your insurance policy. 

CompaniesAverage annual rates
Mercury Insurance$2,259
Kemper Insurance$2,713
Auto Club Enterprises (AAA)$2,856
CSAA Insurance (AAA)$2,890
State Farm$2,928
Data updated in 2024
Read our full methodology

Cheapest car insurance cost in Sacramento by Age Group 

USAA is the cheapest option for car insurance in Sacramento for teen drivers, with average annual premiums at just $4,191 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.

Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance. 

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

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Sacramento is USAA. Its average rate for a full coverage car insurance policy is $1,959 per year

If you are a senior driver in Sacramento and looking for a cheap car insurance company, then consider buying insurance from USAA. It is the cheapest auto insurance company for senior drivers, with an average premium of $1,929 per year

CompanyTeensYoung AdultsAdultsSeniors
State Farm$5,321$3,787$2,925$2,412
Mercury Insurance$5,652$3,792$2,319$2,300
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
Data updated in 2024
Read our full methodology

Cheapest car insurance companies in Sacramento by driver profile 

Car insurance rates in Sacramento vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations

Comparison shopping is the key to getting the cheapest car insurance rates in Sacramento. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.

In Sacramento, these insurance companies offer cheap car insurance rates based on your driver profile.

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

Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.

CompanyAverage annual premium
State Farm$4,485
Data updated in 2024
Read our full methodology

Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.

Drivers in Sacramento with at-fault accidents on their driving records can find the cheapest car insurance rates with USAA. Its full coverage policy costs an average of $2,719 annually.

CompanyAverage annual rates
State Farm$5,049
Data updated in 2024
Read our full methodology

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.

A DUI conviction typically leads to a rise in your auto insurance costs. But if you shop around and compare quotes from various insurers, you can find a good deal on your insurance premiums. 

CompanyAverage annual rates
State Farm$14,179
Data updated in 2024
Read our full methodology

Average car insurance cost in Sacramento 

On average, Sacramento drivers pay $2,665 annually, or $222 monthly, for full coverage car insurance policies with a coverage level of 100/300/100. Conversely, the average annual cost of state minimum coverage in Sacramento is $629.

Full coverage insurance costs more than the state minimum, but it provides comprehensive coverage for your car and coverage for other driver’s vehicle. To reduce your premium, you might want to compare quotes from various insurance companies.

Average annual RatesState minimum average
Data updated in 2024
Read our full methodology

Methodology 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 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.