Cheapest car insurance companies in Sacramento
After an in-depth analysis, Insurance.com 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.
| Companies | Average 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
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.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| 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
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.
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: USAA
- Cheapest for DUI: Progressive
Cheapest for drivers with a speeding ticket: USAA
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.
| Company | Average 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 |
Cheapest auto insurance after an at-fault accident: USAA
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.
| Company | Average 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 |
Cheapest auto insurance after a DUI: Progressive
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.
| Company | Average 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
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 Rates | State 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.
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