Best Auto Insurance Rates in Sacramento, California

On average your neighbors pay $70 a month.

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Average Sacramento Car Insurance Rates

How much is car insurance in Sacramento, CA? Collision frequency, soaring crime, and population density are driving insurance rates in Sacramento higher than the state and national averages. The average cost of auto insurance in California is $841.45 a year. The national average cost is $889.01.

Prices may vary depending on your driving history and the total number of claims filed in your zip code.

California Average Annual Car Insurance Rates
Coverage Rates
Liability $489.66
Collision $396.55
Comprehensive $100.54
Total Cost Per Year $841.45
Price Per Month $70.12
Source: Facts + Statistics: Auto insurance

The graph below shows the most recent year California's rate data is available. According to the III, California car insurance rates increased from $740 in 2011 to $841 in 2015, a jump of $101, or 13.66 percent.

California average car insurance rates

QuoteWizard helps consumers compare quotes from both top national insurance companies and local independent agents. Comparing insurance quotes can help you find cheap car insurance rates near Sacramento, California. You could save up to 40% on your premium.

Last year, 12,677 people used QuoteWizard to get a auto insurance quotes comparison in Sacramento, CA from multiple companies to find the lowest rates.

Best Car Insurance Companies in Sacramento, CA

These are the most common car insurance companies reported by QuoteWizard users in Sacramento, California last year.

Other popular Sacramento car insurance companies: MetLife, 21st Century, Hartford, Infinity, Safeco, Allied, Country Financial, USAA, and Travelers.

Top 10 Vehicles

These are the most popular car makes and models owned by Sacramento, CA drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord EX/LX
  2. Ford F150
  3. Honda Civic EX/LX
  4. Toyota Camry LE/XLE/SE
  5. Ford Mustang
  6. For Explorer
  7. Ford Taurus
  8. Ford Ranger
  9. Toyota Corolla CE/LE/S
  10. Ford Focus SE

Minimum Car Insurance Requirements in Sacramento, CA

To drive legally Sacramento, California drivers must follow the 15/30/5 minimum liability coverage rule. This rule requires drivers to maintain policies that include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The total amount your insurance carrier will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The most amount your insurer will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The maximum your insurance company will pay for property damage caused by a car accident.

Sacramento Drivers

Allstate Insurance publishes an annual report ranking of the best and worst cities in America for drivers. Motorists in Sacramento get into so many crashes the city ranks 140th out of 200 cities. Most US drivers go 10 years without having an accident. But drivers here are involved in collisions every 7.8 years, much worse than the national average.

Driving Conditions

Other factors affecting insurance rates are the weather, driving, and road conditions.


Weather in Sacramento is similar to that of the Mediterranean. Summers are hot and dry. Winters are mild with moderate rainfall.

Road Conditions

TRIP reports that 41 percent of Sacramento's major roads are in poor condition. Another 29 percent are mediocre. These poor road conditions costs drivers $754 every year in extra vehicle operating costs.

Traffic Congestion

Another problem facing drivers here is that Sacramento is ranked 25th for traffic congestion in the United States. The result is that commuters spend an additional 26 minutes per hour stuck in traffic during rush hour commutes. They also spend 100 hours a year for peak hour commutes of 30 minutes.

Moving Violations

Moving violations like accidents, speeding, speeding, and running a red light can give you a bad driving record. You could be required to purchase high-risk insurance. If this happens, your rates can increase significantly

Traffic Tickets

The Superior Court of California County of Sacramento traffic website allows residents to pay traffic tickets. It also tells drivers how to contest tickets, and provides helpful traffic court information.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Get a quote and compare rates from top companies that specialize in Sacramento DUI insurance.

Accident Fatalities

Sacramento experienced 44 deaths in motor vehicle crashes in 2013. This works out to a fatality rate of 3.13 per 100,000 residents. All traffic deaths are a tragic loss. But considering Sacramento’s estimated population of 495,234 this is a safe city in terms of traffic fatalities.

Vehicle Theft Rates

The Sacramento Police Department reported 3,968 vehicle thefts in 2016.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your insurance rates. These are some of the many auto insurance discounts available to Sacramento, CA drivers.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling your policies and vehicles under one insurer can save you up to 20% off your premium
  2. Get a new car. You might qualify for the new car discount offered by many insurance carriers. If the car has safety features like electronic stability control or anti-lock brakes, you may receive further discounts
  3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  4. Maintain at least a B grade point average in school to get the good student discount
  5. Keep your driving record clean without any at-fault accidents or tickets. You may qualify for a safe driving or accident free discount
  6. Drive less by living close to work and you might qualify for the low mileage discount

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