Buy Cheap Sacramento, CA Auto Insurance (2021)

Sacramento, CA auto insurance rates average $342 a month. Minimum auto insurance requirements in Sacramento, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Sacramento, CA, compare Sacramento auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Sacramento, CA after a DUI are $5,760/year
  • The most expensive auto insurance company in Sacramento is Farmers
  • Average auto insurance rates in Sacramento, CA are $342/month

Finding affordable Sacramento, California auto insurance can be challenging, but everything you need to know to buy cheap Sacramento, CA auto insurance with confidence is right here. Auto insurance rates in Sacramento are affected by local factors as well as personal ones like your driving record.

See how Sacramento, CA car insurance rates compare to Sacramento auto insurance rates, Oakland auto insurance rates, and San Francisco auto insurance rates before you read more about the cost of auto insurance in Sacramento.

Don’t buy Sacramento, CA auto insurance until you’ve compared rates. Get free Sacramento, California auto insurance quotes when you enter your ZIP code above.

Sacramento, CA Minimum Auto Insurance Requirements

The required auto insurance in Sacramento, CA is 15/30/5 according to the auto insurance laws in California. The minimum auto insurance in Sacramento, California is outlined here.

Minimum Required Auto Insurance Coverage in Sacramento, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Buy Cheap Sacramento, CA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Sacramento, California auto insurance rates? Find out how car insurance rates in Sacramento, CA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Sacramento, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,311 $3,308 $2,404 $2,420 $9,144 $11,488 $4,212 $4,607
Farmers $3,248 $3,248 $2,931 $2,931 $10,370 $16,968 $3,849 $4,286
GEICO $1,858 $1,859 $1,748 $1,748 $5,631 $5,727 $2,665 $2,727
Liberty Mutual $2,604 $2,466 $2,413 $2,339 $5,666 $6,033 $2,938 $2,963
Nationwide $3,660 $3,493 $3,207 $3,022 $9,297 $10,285 $4,367 $4,310
Progressive $1,804 $1,856 $1,542 $1,826 $4,843 $5,826 $2,607 $2,802
State Farm $3,755 $3,755 $3,356 $3,356 $6,922 $8,605 $4,154 $4,281
Travelers $2,724 $2,636 $2,399 $2,374 $5,668 $6,465 $3,547 $3,473
USAA $2,039 $1,930 $1,990 $1,996 $4,666 $4,687 $2,817 $2,661

Buy Cheap Sacramento, CA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Sacramento can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Sacramento, CA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Sacramento, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,144 $11,488
Farmers $10,370 $16,968
GEICO $5,631 $5,727
Liberty Mutual $5,666 $6,033
Nationwide $9,297 $10,285
Progressive $4,843 $5,826
State Farm $6,922 $8,605
Travelers $5,668 $6,465
USAA $4,666 $4,687

Buy Cheap Sacramento, CA Auto Insurance for Seniors

You can save on senior auto insurance rates in Sacramento, California by comparing Sacramento senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Sacramento, CA here.

Annual Auto Insurance Rates for Senior Drivers in Sacramento, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,404 $2,420
Farmers $2,931 $2,931
GEICO $1,748 $1,748
Liberty Mutual $2,413 $2,339
Nationwide $3,207 $3,022
Progressive $1,542 $1,826
State Farm $3,356 $3,356
Travelers $2,399 $2,374
USAA $1,990 $1,996

Find Cheap Auto Insurance Rates in Sacramento, CA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Sacramento, California auto insurance. Compare Sacramento, CA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Sacramento, California

Insurance Company Low Medium High
Allstate $4,795 $5,161 $5,379
Farmers $5,558 $6,027 $6,351
GEICO $2,699 $3,030 $3,256
Liberty Mutual $3,197 $3,458 $3,629
Nationwide $4,645 $5,299 $5,671
Progressive $2,569 $2,980 $3,115
State Farm $4,269 $4,858 $5,193
Travelers $3,179 $3,760 $4,042
USAA $2,571 $2,906 $3,067

Find Cheap Sacramento, CA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Sacramento. Compare auto insurance rates in Sacramento, CA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Sacramento, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,598 $5,625
Farmers $5,424 $6,534
GEICO $2,721 $3,270
Liberty Mutual $3,146 $3,710
Nationwide $4,596 $5,814
Progressive $2,620 $3,156
State Farm $4,598 $4,949
Travelers $3,290 $4,031
USAA $2,624 $3,072

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Find Cheap Sacramento, CA Auto Insurance Rates by ZIP Code

Auto insurance rates in Sacramento, California can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Sacramento, CA to see how much where you live in Sacramento affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Sacramento, California

ZIP Code Average Annual Rates
95811 $5,850
95814 $5,791
95815 $5,919
95816 $5,582
95817 $5,700
95818 $5,507
95819 $5,174
95820 $5,770
95822 $5,609
95823 $5,964
95824 $6,057
95830 $5,427
95831 $5,081
95832 $5,867
95833 $5,734
95834 $5,718
95835 $5,510
95836 $5,668
95837 $5,381
95838 $6,031

Find Cheap Sacramento, CA Auto Insurance Rates by Driving Record

Auto insurance rates in Sacramento, California are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Sacramento, CA, take a look at the average cost for various violations versus rates for a clean driving record in Sacramento.

Annual Sacramento, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,076 $5,169 $8,165 $4,037
Farmers $4,423 $6,020 $7,495 $5,977
GEICO $2,096 $3,228 $4,058 $2,600
Liberty Mutual $2,975 $3,987 $3,597 $3,152
Nationwide $3,627 $4,655 $7,884 $4,655
Progressive $1,888 $3,216 $3,727 $2,721
State Farm $3,406 $4,062 $7,671 $3,953
Travelers $2,429 $3,987 $4,631 $3,595
USAA $1,891 $2,818 $4,613 $2,072

Find Cheap Sacramento, CA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Sacramento, California is higher than for a clean driving record. You can buy auto insurance after a DUI in Sacramento for less when you shop around and compare rates from multiple Sacramento, CA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Sacramento, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $8,165
Farmers $7,495
GEICO $4,058
Liberty Mutual $3,597
Nationwide $7,884
Progressive $3,727
State Farm $7,671
Travelers $4,631
USAA $4,613

Winners by Category: Where to Buy Cheap Auto Insurance in Sacramento, CA

Compare rates from the cheapest auto insurance companies in Sacramento, CA for your needs. Take a look at how Sacramento, California auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Sacramento, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record Progressive
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Find Cheap Sacramento, California Auto Insurance Companies

If you’re looking for the cheapest Sacramento, CA auto insurance companies overall, you can compare them here. Find the best price for Sacramento, California car insurance by company.

Average Annual Auto Insurance Rates by Company in Sacramento, California

Insurance Company Average Annual Rates
Allstate $5,112
Farmers $5,979
GEICO $2,995
Liberty Mutual $3,428
Nationwide $5,205
Progressive $2,888
State Farm $4,773
Travelers $3,661
USAA $2,848

What affects Sacramento, California auto insurance rates?

Local factors affect auto insurance rates in Sacramento, CA, including traffic, theft statistics, and commute length. Take a look at the things that impact Sacramento auto insurance rates.

Auto Theft in Sacramento

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Sacramento, CA auto theft show a total of 2,883 vehicle thefts annually.

Commute Times in Sacramento

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Sacramento, CA is 12.3 minutes according to City-Data.

Traffic in Sacramento

How is traffic in Sacramento, California? Inrix data shows that Sacramento, CA traffic makes it the 330th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Sacramento, CA

You can buy cheap Sacramento, CA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Sacramento, California auto insurance quotes from top companies.

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