best car policy Sacramento
2022
The Cheapest and Best Car Insurance in Sacramento
The Cheapest Car Insurance Companies in Sacramento
The following two companies offer the most low-cost full-coverage policy policies in Sacramento, on average :
- Progressive: $1,038 per year
- Esurance: $1,136 per year
alone military members and their families are eligible for USAA ‘s policies, which average at $ 1,218 per class. Progressive ‘s average indemnity quote is the city ’ south cheap, costing about 71 % less than a comparable average rate from Travelers, the most expensive insurance company in Sacramento. A full-coverage insurance policy has a combination of coverages, which includes comprehensive and collision coverages. however, the prices vary based on the amount of liability coverage limits you select .
Cheapest Car Insurance in Sacramento
Full Coverage 100/300/100
- company 100/300/100
per year
- 1 .Progressive
$1,038
- 2 .Esurance
$1,136
- 3 .USAA
$1,218
- 4 .GEICO
$1,234
- 5. CSAA
$1,324
- 6 .State Farm
$1,452
- 7 .Mercury
$1,504
- 8 .Allstate
$1,506
- 9 .MetLife
$1,512
- 10 .Farmers
$1,580
- 11 .Hartford
$1,678
- 12. Allied
$1,713
- 13 .Travelers
$1,780
MoneyGeek used average rates for a 40-year-old male driver with a full-coverage indemnity policy for this study. A full-coverage policy contains the keep up two policies, in addition to liability indemnity, and is more expensive than a liability-only policy .
- Collision Coverage: This insurance protects your car from damage caused by a collision with another vehicle or object.
- Comprehensive Coverage: Comprehensive coverage protects your vehicle against damages not caused by a collision, such as weather damages and theft.
If the price of a full-coverage car policy policy exceeds the car ‘s value, specially if the car is older, department of state minimum indemnity or indebtedness insurance may be a better choice .
Compare Car Insurance Rates in Sacramento
see you ‘re getting the best rate for your car indemnity. Compare quotes from the top insurance companies. widget-location-pin
Cheapest Car Insurance in Sacramento for Minimum Coverage
The cheapest insurance in Sacramento besides provides the minimum degree of necessary auspices. The stick to indemnity carriers offer the most low-cost minimum liability indemnity in the city, on average :
- Progressive: $442 per year
- CSAA: $497 per year
If you come from a military family, USAA ’ randomness median rate of $ 506 is another low-cost alternative. Progressive ‘s policy is $ 392 less per year than Hartford ‘s, which costs $ 834 on average for a like policy. Because of the lower coverage limits, minimum coverage policies are less expensive. however, you will be underinsured if you cause a car accident and do not have comprehensive and collision coverages. As seen in the mesa below, increases in liability limitations affect insurance rates .
Cheapest Minimum Liability Car Insurance in Sacramento
state Minimum
- company State Minimum
per year
- 1 .Progressive
$442
- 2. CSAA
$497
- 3 .USAA
$506
- 4 .GEICO
$513
- 5 .Mercury
$610
- 6 .Esurance
$625
- 7 .Travelers
$689
- 8 .State Farm
$691
- 9. Allied
$793
- 10 .MetLife
$803
- 11 .Hartford
$834
- 12 .Farmers
$838
- 13 .Allstate
$879
California ‘s drivers must have a minimal of 15/30/5 liability car policy. Although this is the cheapest policy in Sacramento, it besides offers the least auspices. For model, you will have more fiscal obligations if you are at defect in an accident. For exemplar, if you cause an accident and the property price to the other driver costs $ 15,000, your indebtedness policy will only reimburse you $ 5,000 for the losses. You will have to pay $ 10,000 out of pocket .
California Minimum Liability Requirements
- detail description
- Bodily Injury and Property Damage $ 15,000 per person, $ 30,000 per accident and $ 5,000 for property damage. A more protective charge is 100/300/100 .
Cheapest Car Insurance in Sacramento if You Have Driving Violations
If you get penalized for speeding or driving under the influence ( DUI ), your car policy premiums in Sacramento will increase. The be tilt details the city ‘s lowest policy policies after some of the most common traffic violations :
- Cheapest After a Ticket: Esurance, $1,442 per year
- Cheapest After an At-Fault Accident: Esurance, $1,791 per year
- Cheapest After a DUI: Mercury, $2,469 per year
It is possible to improve your drive read and reduce your indemnity prices, regardless of the irreverence. Look around for the best policy rates after receiving a traffic ticket or being involved in an accident .
Cheapest Car Insurance in Sacramento With a Violation
Speeding tag
- company Speeding Ticket
per year
- 1 .USAA
$1,332
- 2 .Esurance
$1,442
- 3. CSAA
$1,660
- 4 .GEICO
$1,823
- 5 .MetLife
$1,956
- 6 .Mercury
$1,974
- 7 .Progressive
$1,983
- 8 .Allstate
$2,129
- 9 .State Farm
$2,134
- 10 .Farmers
$2,170
- 11. Allied
$2,401
- 12 .Hartford
$2,672
- 13 .Travelers
$2,673
Average Cost of Car Insurance in Sacramento
Sacramento
$1,455
California
$1,429
U.S.
$1,424
On average, the annually monetary value of car insurance in Sacramento is a moment higher than the state and national averages. The average pace in this city is $ 1,455, which is about 1.8 % higher than the California average and around 2.1 % higher than the U.S. average.
Personalized Quotes to Get You the Cheapest Car Insurance in Sacramento
To determine car insurance quotes in Sacramento, providers consider a count of aspects. These aspects include your age and sex, driving experience, miles drive per class and more. In Sacramento, State Farm policies for 18-year-olds are closely twice deoxyadenosine monophosphate expensive as its policies for 40-year-olds. Drivers should get an personalize quote at regular intervals to increase their chances of finding coverage at reasonable rates .
Compare Car Insurance Rates in Sacramento
see you ‘re getting the best rate for your car insurance. Compare quotes from the top indemnity companies. widget-location-pin
The Best Car Insurance Companies in Sacramento
MoneyGeek evaluated Sacramento ‘s car policy companies for their serve choice and affordability. According to our study, the postdate companies provide the best car indemnity in the city :
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
however, USAA was the clear achiever in Sacramento and received the highest ratings. We did not include the company in our best overall list, however, as its policies are entirely available to military personnel and their families. MoneyGeek conducted this inquiry using J.D. Power ‘s affordability, customer gratification and fiscal stability ratings .
1
USAA
score :
100
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 2
Auto Club of Southern California Insurance Group
score :
90
4/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 3
GEICO
score :
90
4/5 Affordability 3/5 Claims Ratings
4/5 User Satisfaction A++ fiscal stability 4
Wawanesa
grade :
87.5
5/5 Affordability 4/5 Claims Ratings 4/5 User Satisfaction A- fiscal stability 5
State Farm
grade :
87.5
3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability 6
Ameriprise
score :
85
4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 7
Hartford
score :
85
3/5 Affordability 4/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 8
Progressive
score :
82.5
4/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 9
Allstate
score :
82.5
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 10
Safeco
grade :
80
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 11
CSAA
grudge :
77.5
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 12
Liberty Mutual
score :
77.5
3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 13
Farmers
score :
77.5
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 14
Mercury
score :
77.5
3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 15
Nationwide
score :
75
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 16
Kemper
score :
70
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A- fiscal stability
Average Cost of Car Insurance by Postal Code
car indemnity rates vary by region, excessively. ZIP codes with high numbers of car accidents, car thefts and uninsured motorists will increase your car policy costs. In Sacramento, the 95831 region is the bum for car insurance — you ’ ll pay about $ 300 less here in annually premiums compared to the most expensive ZIP code, which is the 95828 neighborhood .
- Zip Code State Minimum
per year
- 95831
$1,260
- 95822
$1,459
- 95823
$1,542
- 95828
$1,557
Factors That Impact Insurance Costs in Sacramento
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the pace of fateful accidents besides contribute to car policy rates in Sacramento. How Sacramento ranks compared to the 300 most populous cities in the United States can have a significant shock on agio costs .
Most Accidents With Fatalities
81st
/ 300
Most car Thefts
206th
/ 300
Most uninsured Motorists by State
12th
/ 50
personal Injury Protection Required No
Most annual rain
211th
/ 300
Most showery Days
232nd
/ 300
Methodology and Assumptions
MoneyGeek ’ second average bounty rates for Sacramento are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek ’ randomness data and methodology here. About the writer
Mark Fitzpatrick is a senior content coach with MoneyGeek specializing in policy. Mark has years of feel analyzing the policy market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a maestro of Arts .