Sacramento, CA Car Insurance

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By Sandra Cruz | Updated March 9, 2021

Sacramento drivers pay an average of $163 monthly for car insurance. Your age, location, driving record, and other contributing factors can drive an increase or decrease to your car insurance rate. Read our Sacramento car insurance guide to learn how to save on your next policy and try Insurance Online's free insurance quote comparison engine to compare rates instantly from the best cheap car insurance companies in your ZIP code.

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How Much Is Sacramento Auto Insurance On Average?

Sacramento drivers pay $2,111 yearly for car insurance. Comparatively, it is higher than California’s statewide annual average of $1,849 and the nation's annual average of $1,537. Car insurance rates are determined in Sacramento by taking into account each individual's unique coverage needs, as well as their age, driving history, and marital status. Our team at Insurance Online works around the clock to make sure affordable car insurance is accessible at all times to you and your family. Read on to learn more about Sacramento car insurance rates and how to save on your next policy.

Sacramento Car Insurance Rates by Insurer

Car insurance companies in Sacramento have differences in terms of rates, coverages offered, and discount programs. It is vital to compare rates from multiple companies and extensively analyze their deals before choosing the one that best suits your needs. Choosing the cheapest rates may not always be an ideal decision, especially if you drive in areas prone to accidents or if you have been in an accident in the past.

Sacramento Auto Insurance Rates by Insurer

Company Name Monthly Rate Yearly Rate
GEICO $108 $1,293
AAA $183 $2,198
Mercury $134 $1,618
Infinity $177 $2,129
Statefarm $181 $2,171

Sacramento Car Insurance Premiums by Age

Age affects insurance rates because it is one factor insurance companies consider in judging a person’s ability to drive and their potential risk of filing a claim. As a driver ages, relatively, insurance rates will decrease. If you are a teenage driver, you will pay more for car insurance than experienced, older drivers. Teenage drivers are considered more at risk of getting into an accident and therefore they pay the most. However, after a teenage driver celebrates his/her 20th and 25th birthday, their rate will significantly decrease. On the other hand, older drivers in their 70s pay more than those in their 50s and 60s.

Sacramento Car Insurance Rates by AGE

AGE GROUP Monthly Rate Annual Rate
Below 20 $655 $7,857
20s $262 $3,141
30s $171 $2,054
40s $165 $1,983
50s $158 $1,894
60s $157 $1,889
70s $183 $2,200

Sacramento Auto Insurance Premiums By Marital Status

Marital status is considered by insurers when giving a quote for multiple reasons. Married couples are considered more financially stable in contrast to other marital statuses. Also, married people are expected to be more responsible drivers and extra careful on the road. Thus, married couples pay $87 less for car insurance in Sacramento, CA.

Gender is another factor that insurance companies consider in Sacramento. Female drivers in Sacramento pay more than male drivers by $6 monthly.

Sacramento Car Insurance Rates by Marital Status

Marital Status Monthly Rate Yearly Rate
Single $169 $2,024
Female $176 $2,114
Male $176 $2,111
Married $169 $2,024
Divorced $176 $2,111
Widowed $171 $2,053

Sacramento Auto Insurance Rates by Accident and Violation

If you are a high-risk driver, then you are not an ideal client for auto insurance companies. They account for every angle of risk in your driver profile before providing you with a quote. Risk factors include your behavior behind the wheel, past driving violations, vehichle make and model, and location, to name a few. Some insurance companies have the right to reject high-risk drivers, and some might insure you at an additional cost.

If Sacramento drivers are found guilty of driving recklessly or causing accidents on the road, they will have to endure an increase to their car insurance premiums of $3,593 annually. Speeding tickets, on the other hand, will garner a rate increase of $848. Moreover, a DUI violation in Sacramento will cost an additional $3,480 per year for car insurance.

Sacramento Car Insurance Premiums by Accident or Violation

Violation Monthly Rate Annual Rate
DWI/DUI $467 $5,601
Reckless Driving $476 $5,714
At-Fault Accident with < $1000 Damages $177 $2,119
At-Fault Accident with > $2000 Damages $309 $3,713
Speeding Ticket with 16-20mph Over Speed Limit $240 $2,880

Sacramento Car Insurance Rates by Credit Score

Your credit score can also impact your insurance rates in other states, but not California. If you start with a low credit score between 300 to 579, then move up to a score of 800 to 850, you are still not entitled to a decrease in your car insurance rates. In Sacramento and throughout the state of California, credit score is no longer an applicable factor insurers are allowed to use because it is viewed as discriminatory by California lawmakers.

Sacramento Auto Insurance Rates by Credit Tier

Credit Level Monthly Rate Annual Rate
Very Poor $177 $2,111
Fair $177 $2,111
Good $177 $2,111
Very Good $177 $2,111
Exceptional $177 $2,111

Other Factors That Impact Your Insurance Rates In Sacramento, CA

Sacramento car insurance companies account for age, marital status, and driving history when calculating your insurance rates. However, there are other factors insurance companies consider when giving you your specific quote.

Your location plays a significant role in the cost of your car insurance. If you reside in areas of Sacramento prone to accidents, theft, crime, and uninsured motor vehicle drivers, then it is likely for your car insurance rate to go up.

Places of different ZIP codes have different insurance quotes. Every ZIP code has specific risk factors; thus, prices vary. Areas in Sacramento with high accident risks pay an extra 19% ($318) above the average rate.

Sacramento Car Insurance Rates by ZIP Code

Sacramento ZIP Codes with Expensive Rates Sacramento ZIP Code with Cheaper Rates
95815 95864
95840 95831
95823 95894
95838 95899
95824 95830

Weather and driving conditions in Sacramento are also considered a risk to insurers. Wet roads, loose brakes, low visibility, and other succeeding factors can cause accidents due to inclement weather. Sacramento experiences 62 rainy days a year. An average of 710,000 weather-related accidents occurs every year. Not to mention occasional wildfires and earthquakes. Hence, weather conditions are crucial factors considered when calculating your Sacramento car insurance quote.

Sacramento Car Insurance FAQs

Is it important to have comprehensive car insurance in Sacramento, CA?

Comprehensive car insurance with a low deductible is ideal for Sacramento drivers who are looing to be fully insured in case of an accident.

Who will shoulder the damage of the vehicle I used for test driving in Sacramento, CA?

The dealership or the car company inevitably has insurance for test driving cars. They can file a claim for vehicle damage.

Sandra Cruz

Sandra Cruz | Linkedin

Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.