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.

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

Latest Auto Insurance Reviews

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