Sacramento, CA Auto Insurance Rates

Sacramento, CA residents can save $660 by comparing multiple quotes & reading reviews & research on Sacramento car insurance rates, quotes, agents & coverage.

Compare Quotes from Top Providers and Save now!

LowestAverageHighest
$1,122 $1,662 $2,762

Latest Auto Insurance Reviews in Sacramento, California


Progressive
progressive has been a gem of acompany to work with, and lowers my premium on occassion. Thet have been a great company to work with and are always there to serve us.
Allstate
my premium is pretty much a tad cheaper than most other companies its why I am with them since I was overpaying at a different place
Mercury
MY COVERAGE FOR THIS COMPANY IS ABOUT $1,700 A YEAR CHEAPER THAN WHAT I HAD BEFORE. I HAD CAR INSURANCE WITH AAA AND I HAVE FOUND THAT THEY WERE THE MOST EXPENSIVE COMPARED TO OTHER AUTO QUOTES WHEN I WAS SHOPPING.
Liberty Mutual
I have compared my policy with others over the past 5 years, for a long time I was getting the better rate with my insurance compared to others, Now my policy is about 16 dollars more a month than what others are quoting me, But I do have accident forgiveness which would pay for the additional cost of my premium if I were in a wreck
Geico
My insurance is pretty typical of most companies. I got the bare minimum I could get to still have full coverage insurance as required since my car is still bank owned. I have a $5,000 deductible.
State Farm
I have not compared insurance companies in a very long time. The last time I looked, the cost of my coverage was a very little bit more expensive. However, it would have to save considerable money for me to lose the years I have invested in State Farm.
Geico
When price checked, the pricing for the multi-car has been the best value for the age and condition of both of my vehicles. Also, the rates reduce the longer I have the policy with no accidents
State Farm
My premium is lower than most other companies can offer. I took advantage of checking with Geico for example and they sent me away saying they could not give me a better rate.
Allstate
The premium is $1778 every 6 months. This is expensive but the car is 2017 Jaguar XJL that costs over $90K new. I am a longtime Allstate customer so I have not shopped with other companies but assume the cost is comparable. To change insurers would involve 2 other vehicles and the house
State Farm
The premium for my insurance was less than half of what I was paying through a name brand company before. I also get more coverage for less price and I'm able to group auto with home.
Geico
It covers damages and medical, it was cheaper than my last company.
Allstate
The deductible is low and coverage is flexible
Progressive
It has a reasonable price and easy to manage policy online
Mercury
THEY ARE THE CHEAPEST FOR SAME COVERAGE FOR MOST PLACES
Geico
Geico has an easy to access the website. They have 24-hour phone support and whenever I have called the operators are friendly and helpful. Our policy is reasonable in price and Geico offers a variety of payment options including changing the date a payment is due if we are having financial issues. They offer many different policy options and also have renters insurance (and other types too).
Geico
I like Geico. for the most part, they are good. anytime I have had an issue they have been very helpful. there have been some small issues but nothing that makes me want to change.
Geico
It is affordable and keeps me insured.
Esurance
they offer a policy that meets my budget compared to others
Esurance
The coverage they offer is similar but the price is a small percentage cheaper.
Allstate
My local All State office provides good customer service and comprehensive offerings. We also have our house with them and get discounts because of that. All-State is a major insurer and we get the stability they prove. I also assume that most major insurers provide similar features though I am a long time customer and have not done any comparison shopping in awhile
Progressive
they don't offer some things you hear about such as accident forgiveness
Progressive
It was the least expensive of all the companies I checked.
State Farm
I recently switched to a different agent because I had become very unhappy with the one I had. I am happier with the new one they work hard to help me out
State Farm
The few times that I've needed to do anything with them. They do it immediately and efficiently. They called me when I turned 25 to get my premium down from what it was. I've been a loyal customer for over 10 years.
Progressive
I like the fact that they are always available by phone and always answer questions well. I have been a bit disappointed with the roadside assistance but haven't had to use it much
Geico
I can call 24 hours a day and speak with someone about my coverage but I do not have an office local that I can go sit down and speak with someone face to face.
Allstate
The insurance company is easily accessible. I can do an online chat with them if I want to make a claim, so I don't need to talk to anyone. Also, I can call their 24-hour hotline if I ever need assistance. They are always there for me.
Progressive
This company is very accessible - online, app, & phone
Mercury
THE ONLY THING I DO NOT LIKE IS I HAD TO GO THROUGH AN INSURANCE COMPANY THAT IS A BROKER AND THEY BROKERED MY POLICY TO MERCURY. WHEN TRYING TO CONTACT THEM I HAVE TO CONTACT MY AGENT AND THEN MY AGENT HAS TO GO AND CONTACT THEM I DO NOT CONTACT THEM DIRECTLY
Geico
I love that I have 24/7 access to Geico. It really helps when I do not have time during the day to do things and have to do stuff in the evenings.
Geico
we can get in contact with Geico 24 hours a day. There are several different ways to contact them including email, phone, online chat, and snail mail. They also have an app for the phone. the people we have communicated with have always been friendly and helpful.
State Farm
I like that I have a physical office and a physical agent should I need assistance. I can also walk into their office with my insurance payment and have it posted on the spot so that I know my payment will not be late.
Metlife
They are very accessible. I have been able to get in touch with them every time I have had a question or needed assistance. If I ever need to report a claim or ask questions about my policy I am able to get in touch with them.
Geico
There are many ways to contact the company; email, chat or by phone. I have used all the different types of communication all have worked out well. Usual wait times and everyone was friendly.
Esurance
I can either call or use email to contact the company. They also have a website to access information about my account.
State Farm
the interaction has been excellent all the time. my car was destroyed in a flood. it was replaced within days
Progressive
I feel as if each interaction is more personable than any other places. I feel like the person on the phone actually cares about me and the issue that I have.
Liberty Mutual
Overall, it's a reputable company with competitive premiums. It's pretty good so far, and (fortunately) I have yet to actually need to use it. Could do away with rising premiums, but that happens with pretty much any insurance company.
Geico
They are friendly and helpful. They are honest. They have been affordable for most of the time I've used them.
Allstate
Overall, All-State is a great company. I would recommend anyone to use it. Farmer's may be the premier insurance company, but I have found that All State can do everything that Farmer's does, but at a cheaper price. I love my agent and I would recommend him to anyone.
State Farm
They have a very good response time, they are for the most part friendly and they work with me when I need them too. They have an easy claims process and paying my bill is very east as well
Allstate
its a good value for the money that I pay, thankfully I have not needed anything too serious. it gives me an affordable option
Mercury
I LIKE THE CHEAP PREMIUM CONSIDERING I HAVE THREE CARS INSURED AND IT WAS VERY EASY SIGNING UP AND MAKING THE PAYMENTS
Geico
Overall, this company ensures the drivers that coverage is immediate upon payment. You have on-call roadside assistance when needed. Customer service is very nice and willing to help at all times.
Esurance
I like the communication options and the price of the policy. There are no negatives that I can see.
Geico
I like the options they offer and what they provide in terms of service and discounts. I am happy with my insurance provider.
Progressive
I like their pricing and I like that I am always able to reach customer service to ask questions or make policy changes.
Progressive
The roadside assistance is slow or in one case nonexistent and cost of hours of waiting until the local sheriff came by to help. otherwise, I have nothing bad to say about the company
Geico
Premiums keep rising even though I have never filed a claim.
Progressive
I would have to say the only thing I don't really love about the company is the cost of the insurance. It is a little higher than I would like to be paying but most car insurance in the state is. There isn't much I can do about that.
State Farm
I would love to have a lower insurance rate, of course. The option to see different options if we wanted to easily on the app would be a nice thing to have as well.
Geico
Their telephone line makes it difficult to get through to a live human representative. It should be made easier.
Mercury
THE ONLY THING I DON'T LIKE OVERALL IS THAT I HAVE TO GO THROUGH A BROKER AND MY AGENT CANNOT MAKE CHANGES RIGHT AWAY THEY HAVE TO BE APPROVED SO IT CAN TAKE A FEW DAYS TO GET THAT DONE
Esurance
I dislike that when my coverage renews they do not send me a new card in the mail so I have to print it
Allstate
They don't want to pay out on claims. If you break your back in an accident you should be able to get full payout. They don't even want to pay us what is medical bills have cost.
Geico
They are a big company it is easy to fall through the cracks; you are just another number it is impersonal
Write Your Review | Sacramento, California Auto Insurance Analysis
State Farm Auto Insurance, Sacramento, CA
$52/1 month
Car Insurance Policy Holder
  • Married 33 Years old Female licensed 6 years ago with Own Buick Lacrosse used for Commute to Work or School with estimated annual mileage of 15,001 - 20,000.
  • Associate & Part Time Job.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 2 cars insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 20 K Property Damage
  • 50 K Personal Injury Protection
  • 15 K Uninsured Motorists Bodily Injury
  • 30 K Uninsured Motorists Property Damage

Used cars with the lowest insurance rates in Sacramento

With an average annual auto insurance rate at $1662, Sacramento is one of the most expensive auto insurance zip codes in California. Tampa, Glendale, and Los Angeles are more expensive than Sacramento, though all the other cities are cheaper. Orange County, with an average annual insurance rate of $1316, is the most affordable city to buy auto insurance in California, while Los Angeles is the most expensive.

Sacramento, being the capital city, is also one of the largest cities in California. The car with the lowest average annual insurance rate in Sacramento is the Honda Accord, at $1426. The median price of the Honda Accord in Sacramento is $17588. Insurance, thus, accounts for 8% of the total costs in this case.

The Toyota Camry and Honda CR-V are also very affordable cars to insure in Sacramento. The Honda CR-V is also affordable in terms of purchase costs. With a median price of $15,980 and annual average insurance rate of $1433 (i.e., 8% of median price), the Honda CR-V may be more affordable than the Honda Accord in terms of overall costs. The Toyota Camry, on the other hand, has a median price of $18,499 and annual average insurance rate of $1481. The Camry is expensive compared to the Honda Civic (median price $12480), Nissan Altima (median price $15499), and Honda CR-V (median price $15,980) in terms of overall costs, but extremely affordable if compared to the Chevrolet Silverado (median price $22797) and Ford F-Series (median price $23950).

In Sacramento, the Honda Civic is the cheapest car in terms of purchase costs. With a median price of $12480, the Honda Civic is much more affordable than all the other cars. However, the Civic has the highest insurance costs. With an annual average insurance rate of $1705 (i.e., 13% of the median price), the Honda Civic is the most expensive car in terms of insurance costs.

Sacramento Car Insurance Rate Comparisons

Sacramento, CA's average car insurance of $1662 differs from Foothill Farms, CA (+$828), McClellan Park, CA (+$718), La Riviera, CA (+$868) and California (+$157)

Sacramento Foothill Farms, CA McClellan Park, CA La Riviera, CA California
Median Insurance Rates $1662 +$828 +$718 +$868 +$157

Sacramento Car Insurance Savings By Neighborhood & Street Area

Sacramento Driver Street Residence & Car Locations Car Details in Sacramento Sacramento Driver Demographics Sacramento Auto Insurance Estimates Recent Sacramento Insurance Savings
Graham (historical)
Borba Way2001 Cadillac Seville STS29 year woman$1,787$978
Robles St2010 Mazda Mazda3 s Sport75 year male senior$1,648$580
Gardenland
Fall Creek Way2006 Buick Rendezvous CX61 year female senior$1,803$825
Stonecreek Dr2009 Ford Fusion V6 SEL33 year man$1,924$944
Arcade
Janell Way2012 Hyundai Sonata GLS16 year teenager$3,546$655
Pamlee Ct2010 Toyota Prius III19 year male teenager$3,219$704
East Sacramento
Miller Way2004 Chevrolet Silverado 2500HD Work Truck71 year senior$1,652$333
Serra Way2009 Acura TSX Base w/Tech32 year married man$1,965$730
Routier (historical)
Chatsworth Ln2008 Lexus GS 350 Base19 year female teenager$4,205$785
Newbury Way2013 Honda Civic LX32 year married woman$1,354$913

Sacramento Post DUI Car Insurance Rates

Sacramento West Sacramento Arden-Arcade Carmichael California
Median Post DUI Insurance Rate $3091 -$452 +$1131 +$1038 +$292
Male Teenager Post DUI Insurance Rate $6738 -$986 +$2465 +$2262 +$636
Female Teenager Post DUI Insurance Rate $6707 -$981 +$2453 +$2252 +$634

The Post DUI insurance in Sacramento, CA's is $3091 compared to West Sacramento (-$452), Arden-Arcade (+$1131), Carmichael (+$1038) and California (+$292)

In Sacramento, a male teenager with Post DUI pays $31 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2006 Buick Rendezvous CX in Sacramento, CA would pay $6770 on auto insurance while a female teenager POST DUI would pay $6738.

Sacramento Car Insurance by Segment

Sacramento Teenagers Car Insurance Rates Comparison

76738 Sacramento Teenagers (7% of total population), 51% Male & 49% Female.

Sacramento Foothill Farms Florin Freeport California
All Teenagers $3623 +$1805 +$1652 +$1064 +$342
Male Teenager $3623 +$1805 +$1652 +$1064 +$342
Female Teenager $3606 +$1797 +$1645 +$1059 +$341

Sacramento teenagers pay $3623 in insurance in contrast with Foothill Farms (+$1805), Florin (+$1652), Freeport (+$1064) and California (+$342). The difference between Male & Female teenagers in Sacramento is $17

Example

  • 2009 Chrysler 300C Male Teenager Insurance Rate $3,581
  • 2011 Lincoln MKZ AWD Female Teenager Insurance Rate $3,591

Sacramento Men & Women Car Insurance

1077222 Sacramento Adults (100% of total population), 49% Men & 51% Women.

Sacramento Florin West Sacramento Arden-Arcade California
All Women $1612 +$735 -$236 +$589 +$152
Married Women $1562 +$712 -$229 +$571 +$147
All Men $2110 +$963 -$308 +$772 +$200
Married Men $2011 +$917 -$295 +$735 +$189

The typical insurance rate of $2110 that Sacramento Men pay varies from Florin (+$963), West Sacramento (-$308), Arden-Arcade (+$772) and California (+$200). In Sacramento, married men pay $449 more than married women.

Example

  • 2013 Volkswagen Beetle 2.5 PZEV Married Men Insurance Rate $2,111
  • 2014 Kia Sorento LX Married Women Insurance Rate $1,769

Sacramento Senior Car Insurance

179010 Sacramento Seniors (16% of total population), 43% Senior Men & 57% Senior Women.

Sacramento Elk Grove North Highlands Rancho Cordova California
All Seniors $1761 -$229 +$920 -$186 +$167
Senior Men $1728 -$225 +$903 -$183 +$163
Senior Women $1794 -$233 +$938 -$190 +$170

Sacramento seniors pay $1761 in insurance compared to Elk Grove (-$229), North Highlands (+$920), Rancho Cordova (-$186) and California (+$167). In Sacramento, senior men pay $66 less than senior women.

Sacramento Car Insurance Discounts for Multiple Vehicles

Sacramento Population with 1 Vehicle 148333 (37% of Sacramento population), 2 Vehicles 142001 (36% of the Sacramento population) and 3 vehicles 50853 (13% of the population)

Sacramento Fruitridge Pocket Foothill Farms Freeport California
2 Vehicles $3158 +$1478 +$1573 +$927 +$299
3 Vehicles $4820 +$2256 +$2401 +$1415 +$456
4 Vehicles $6482 +$3034 +$3229 +$1903 +$613

Car Insurance Agents in Sacramento, CA

Rank Agent Name Agent Contact
1 16th Street Auto Body 312 N 12th St, Sacramento, CA
2 AAA 8225 Laguna Blvd, Sacramento, CA
3 A AACO Insurance 1029 J St Ste 120, Sacramento, CA 95814
4 AAA Insurance 4740 Natomas Blvd Ste 140, Sacramento, CA 95835
5 AAA Insurance 15 Bicentennial Cir, Sacramento, CA 95826
6 AAA Insurance 1056 Florin Rd, Sacramento, CA 95831
7 Access Capitol Insurance 1310 Howe Ave, Sacramento, CA 95825
8 Albert Figueroa 5681 Franklin Blvd Ste N1, Sacramento, CA 95824
9 Alex Rue Insurance Agency 9815 Antelope Rd, Sacramento, CA
10 Alliant Insurance Services 1792 Tribute Rd Ste 450, Sacramento, CA 95815