The most affordable car insurance rates in Sacramento, California, come from GEICO. The company has the lowest average cost for minimum-coverage car insurance in the city at $104 a month, according to our survey of providers. However, GEICO is followed closely by Progressive, which offers policies for an average of $108 a month.
When it comes to cheap full-coverage car insurance in Sacramento, GEICO also leads the way, with an average monthly rate of $121.
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Cheapest car insurance in Sacramento
GEICO has the cheapest car insurance in Sacramento, offering minimum coverage for an average of $104 per month.
That said, Progressive also offers competitive rates, with rates averaging $108 a month.
Allstate and State Farm follow close behind, with costs of $132 and $135, respectively. Those figures are still below the citywide average of $136 a month.
| Company | Monthly rate |
|---|---|
| GEICO | $104 |
| Progressive | $108 |
| Allstate | $132 |
| State Farm | $135 |
| City Average | $136 |
| Mercury | $137 |
| CSAA | $149 |
| Farmers | $162 |
| Auto Club | $163 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
In California, minimum-coverage car insurance must include liability insurance that meets the following requirements:
- A minimum of $15,000 for the injury or death of one person in an accident
- A minimum of $30,000 for the injury or death of multiple people in an accident
- A minimum of $5,000 for damage to property during an accident
Cheapest full-coverage car insurance in Sacramento
The best full-coverage car insurance rates also come from GEICO, which offers drivers in Sacramento an average monthly rate of $121.
Again, Progressive and Allstate offer solid alternatives, with rates of $128 and $142 a month, respectively. Both of those rates fall below the citywide average for full-coverage car insurance.
| Company | Monthly rate |
|---|---|
| GEICO | $121 |
| Progressive | $128 |
| Allstate | $142 |
| City Average | $155 |
| Mercury | $159 |
| State Farm | $161 |
| CSAA | $162 |
| Farmers | $176 |
| Auto Club | $189 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Full coverage typically includes collision and comprehensive coverages, in addition to liability coverage. Policies may also include coverage for other costs, such as medical payments and uninsured motorists.
While no state requires full-coverage car insurance, some lessors and lenders do. It’s also often recommended for those with new or expensive vehicles.
Get cheap car insurance in Sacramento
Cheapest car insurance for drivers with a DUI in Sacramento
For the cheapest full-coverage car insurance for drivers with a DUI, Sacramento residents should look to Mercury. The company offers an average monthly rate of $263 to drivers with one DUI on their record.
In Sacramento, the average cost of car insurance for a driver with a DUI is $435 a month. That’s 181% more than the overall city average for full-coverage rates, which is $155.
| Company | Monthly rate |
|---|---|
| Mercury | $263 |
| Progressive | $307 |
| GEICO | $308 |
| Farmers | $310 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance in Sacramento for drivers with accidents or tickets
CSAA has the most affordable car insurance in Sacramento for drivers with an accident history. The provider offers full-coverage policies for an average of $204 per month to drivers with one accident on their record.
There are also good rates to be found at GEICO and State Farm, which charge $222 per month and $257 per month, respectively, for full-coverage policies in this situation. Both rates are cheaper than the citywide average of $265.
| Company | Monthly rate |
|---|---|
| CSAA | $204 |
| GEICO | $222 |
| State Farm | $257 |
| Progressive | $267 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Meanwhile, Sacramento drivers with a speeding ticket will find the best deals at GEICO. The company’s average full-coverage rate for a driver with one speeding ticket is $191 a month.
In Sacramento, a speeding ticket increases a driver’s full-coverage car insurance cost by 48%. The monthly average for drivers with a ticket is $229, while the overall average is just $155.
| Company | Monthly rate |
|---|---|
| GEICO | $191 |
| Allstate | $204 |
| CSAA | $204 |
| Mercury | $210 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for teen drivers in Sacramento
Teen drivers can get the cheapest car insurance at State Farm. There, customers will find minimum-coverage policies for $248 a month. That average is for an 18-year-old with a clean driving record.
GEICO offers the next-best rates, with policies averaging $266 per month. For teen drivers across the city, the average rate is $344.
| Company | Monthly rate |
|---|---|
| State Farm | $248 |
| GEICO | $266 |
| Allstate | $311 |
| Mercury | $328 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
For full coverage, teens will find the best rates at State Farm. The company’s average rate for an 18-year-old with a clean record is $298.
Again, GEICO trails just behind, offering policies for $317 a month on average.
| Company | Monthly rate |
|---|---|
| State Farm | $298 |
| GEICO | $317 |
| Allstate | $343 |
| Mercury | $384 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for senior drivers in Sacramento
The cheapest minimum-coverage car insurance for seniors comes from GEICO. For a 60-year-old with a clean driving record, the company charges an average of $104 per month.
Progressive, Allstate and State Farm all offer competitive rates as well, with policies averaging $108, $132 and $135 per month, respectively.
| Company | Monthly rate |
|---|---|
| GEICO | $104 |
| Progressive | $108 |
| Allstate | $132 |
| State Farm | $135 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
GEICO also leads the way in full coverage. The provider charges an average of $121 a month to insure a 60-year-old with a clean driving record.
| Company | Monthly rate |
|---|---|
| GEICO | $121 |
| Progressive | $128 |
| Allstate | $142 |
| Mercury | $159 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Sacramento car insurance requirements
Sacramento drivers must meet California’s minimum-coverage insurance requirements. That buying a car insurance policy that has at least:
- $15,000 of coverage for the injury or death of one person in an accident
- $30,000 for the injury or death of multiple people in an accident
- $5,000 for damage to property during an accident
Drivers may opt for full coverage, which typically features the addition of collision and comprehensive coverages, as well as optional coverage for medical expenses, uninsured drivers and more.
State laws don’t require full-coverage insurance, but those with expensive or new cars may want to consider it. Of course, lenders and lessors may also require full coverage.
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Sacramento ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets California’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
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