Who Has The Cheapest Auto Insurance Quotes in Sacramento, CA?
Every driver will get unlike rates based on their drive history, what cable car they drive and where they live, so we always recommend getting multiple quotes to find the best share for you .
Cheapest auto insurance in Sacramento: Geico
For drivers looking for the best conduct on basic coverage in Sacramento, we recommend looking at Geico and Progressive. Geico had the absolute best price, at $ 455 per year for minimal coverage ; that ‘s 34 % less than the city average. progressive was only a few dollars more, at $ 487 .
Compare Car Insurance Rates in Sacramento
Cheapest full coverage car insurance in Sacramento: Geico
For drivers who want to protect the investing of their cable car with a full coverage policy, we recommend Geico. It had the best rates for a full coverage policy in Sacramento by a goodly gross profit : It was $ 179 cheaper than the second-most low-cost option, Progressive .
Full coverage policies are sometimes required if you have a rent or loan on your car. We besides recommend them if the cost of replacing your fomite would be a austere fiscal hardship to you or if your cable car is worth more than $ 5,000 .
- Comprehensive coverage: Pays for damage to your car that’s caused by something other than a crash, such as falling rocks or a house fire. It also covers theft.
- Collision coverage: Pays for damage to your car due to a collision, regardless of how many people were involved or whether you were at fault.
Cheap car insurance for drivers with prior incidents
policy companies try to evaluate how likely you are to make a claim based on your past drive history. As a result, people with past incidents on their phonograph record, like a speeding ticket or at-fault accident, will likely pay more for coverage .
Cheapest car insurance in Sacramento after an accident
Insurers much raise rates after you ‘re involved in an at-fault accident because drivers who ‘ve caused a crash before are statistically more likely to do so again in the future .
In Sacramento, the cheapest insurance company after being at fault in a cable car crash is Mercury. It offered our sample distribution driver a yearlong full coverage policy for $ 2,540. That ‘s 36 % cheaper than the average rate across all insurers, which was $ 3,981 annually .
Cheapest car insurance for people with a speeding ticket: Mercury
Insurers have found that aggressive or heedless driving behavior like speeding frequently correlates with making insurance claims more frequently, so you ‘ll pay more after a rush ticket. After a slate, we found an average pace increase of 48 % across all the insurers we looked at in Sacramento .
however, some insurers have more generous rates than others after a accelerate ticket. Mercury ‘s average rate was $ 2,230 per year for full coverage. That ‘s an increase of merely 32 %, and $ 700 cheaper than the median rate across all companies .
Cheapest car insurance for drivers with a DUI: Mercury
Driving while under the influence is among the most good normally committed driving infractions, and it comes with harsh penalties, much including losing your license .
Among all the Sacramento insurers we looked at, the average price for a full coverage policy after a DUI conviction was $ 5,627 per year, which is about triple what you ‘ll pay with a clean record. Mercury had the most low-cost coverage for Sacramento drivers after a DUI, at $ 2,788 .
Cheapest car insurance for married drivers: Geico
car insurers have found that marry drivers are less likely to take risks while driving and that they make fewer claims, so you ‘ll frequently find that your policy rates drop after you get married. We found an average dismiss of about $ 168 per year for a marry driver .
Married drivers looking for the most low-cost entire coverage should start with Geico : We found an average pace of equitable $ 1,245 for a marital driver. That ‘s $ 213 off Geico ‘s rate for a individual driver, and 31 % cheaper than the average pace we found across all insurers .
note that married drivers may be able to reduce their rates even more by sharing a policy with their spouse and qualifying for a multicar rebate ; we did n’t factor either of these into our sample rates .
Cheapest car insurance for young drivers: Geico
Younger drivers are less feel behind the wheel and not as skilled at assessing hazard, so they normally pay well more for cable car indemnity than older adults — our sample Sacramento Car insurance for 18-year-olds got an average quote of $ 1,768 for a year of minimum coverage, which is 2.6 times american samoa a lot as our 30-year-old would pay .
The cheapest choice we found for adolescent drivers is Geico, which gave us an average price of $ 1,362 for a annual minimal coverage policy. That ‘s $ 406 cheaper than the median across all the insurers we included in our study .
adolescent drivers can reduce their policy premiums well by sharing a policy with a parent or syndicate member, taking a supplementary drive base hit course or qualifying for a commodity scholar discount rate .
Best auto insurance companies in Sacramento, California
Finding a great batch on car policy is important, but finding a car insurance company that has ace customer service is just as essential. According to our research, the best major insurers that do business in Sacramento are State Farm, Allstate and Farmers. In our national sketch of insurance company customer satisfaction, these three were most frequently voted to have excellent customer service and high claim satisfaction .
For our full analysis of the best insurers in the country, see our revue of California insurance companies .
Average car insurance cost in Sacramento, by neighborhood
One component that can impact car policy rates is where you live — even within a individual city. You might pay more for car indemnity if cable car larceny is common in your area or if your neighborhood has lots of narrow or fast-moving roads .
See our broad breakdown of the cost of cable car indemnity by ZIP code, below .
|ZIP code||Minimum coverage annual cost||Full coverage annual cost|
Auto theft statistics in Sacramento
car larceny is a centrist problem in Sacramento — among the 10 largest cities in California, Sacramento ranks fourth in car thefts per caput, and 5.3 cars are stolen each year per 1,000 residents. car larceny is more common in Sacramento than in Los Angeles or San Francisco but less coarse than in Bakersfield or Oakland .
|Theft rank||City||Population||Motor vehicle theft||Car thefts in 2019 per 1,000 residents|
We collected data from seven of the largest insurers in California. Our sample distribution driver was a 30-year-old man who drove a 2015 Honda Civic EX .
In instances where our sample driver was comparing rates for a policy, the be limitations were used :
|Coverage type||State minimum||Full coverage|
|Bodily injury liability||$15,000 per person/$30,000 per accident||$50,000 per person/$100,000 per accident|
|Personal injury protection||—||$10,000|
|Property damage liability||$5,000 per accident||$25,000 per accident|
|Uninsured/underinsured motorist bodily injury||—||$50,000 per person/$100,000 per accident|
|Comprehensive and collision||—||$500 deductible|
ValuePenguin ‘s analysis used policy rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for relative purposes only. Your own quotes may be different .
Our statewide analysis of California policy rates included both AAA of Northern California and AAA of Southern California. however, AAA of Southern California does n’t offer insurance to Sacramento residents, so we removed it from city averages and rankings
Category : cheap-car-insurance