Key Takeaways
- GEICO has the cheapest car insurance in Sacramento, charging $109 a month for full coverage and $43 a month for minimum coverage.
- For full coverage, Sacramento drivers pay an average monthly rate of $154 — just below the statewide average of $157.
- Mercury is the best option for drivers with a DUI, charging $263 a month for full coverage.
In this article
The cheapest car insurance companies in Sacramento, CA
GEICO is the cheapest car insurance company for most drivers in Sacramento. The company offers the city’s lowest average rates for:
- Full and minimum coverage
- Senior drivers
- Young drivers
- Drivers with a speeding ticket
Mercury charges the cheapest car insurance rates to Sacramento drivers with a DUI on their records, though.
Also, CSAA and Progressive routinely offer low rates that are comparable to those of GEICO and Mercury.
Several factors determine how much you pay for car insurance, including the vehicle you drive and your driving record. To get your cheapest rate, compare auto insurance quotes from several different companies.
California car insurance state minimums
All California drivers are required to carry 15/30/5 car insurance. This means all policies must at least meet the following minimums:
| Coverage type | State requirements |
|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident |
| Property damage liability | $5,000 per accident |
Cheapest minimum-coverage auto insurance rates in Sacramento: GEICO
GEICO has the cheapest minimum-coverage auto insurance in Sacramento, with monthly rates averaging $43.
Citywide, the average cost of minimum-coverage car insurance is $71 a month, so GEICO offers a nearly 40% discount.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $43 |
| CSAA | $54 |
| Progressive | $54 |
| Mercury | $61 |
| State Farm | $76 |
| Farmers | $92 |
| Auto Club | $92 |
| Allstate | $95 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. | |
Get cheap car insurance in Sacramento
Cheapest full-coverage auto insurance rates in Sacramento: GEICO
The cheapest full-coverage auto insurance provider is GEICO, which charges $109 a month, on average.
The average cost of full-coverage car insurance in Sacramento is $154 a month. That means GEICO’s premiums cost 29% less.
Full-coverage policies typically include collision and comprehensive insurance, in addition to the state-required minimums. Drivers may also add coverage for towing costs, rental vehicles and more, depending on their state.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $109 |
| Progressive | $128 |
| CSAA | $146 |
| Allstate | $153 |
| Mercury | $159 |
| State Farm | $160 |
| Farmers | $184 |
| Auto Club | $189 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. | |
Cheapest car insurance for drivers with a prior incident
For drivers with speeding tickets or accidents on their records, GEICO has the cheapest car insurance rates in Sacramento. Meanwhile, Mercury leads the way for drivers with a DUI.
Cheapest for drivers with a speeding ticket: GEICO
Sacramento drivers with a speeding ticket should head to GEICO for cheap car insurance. The company offers a city-leading rate of $172 a month.
On average, drivers with a speeding ticket pay $227 a month. That’s 47% more than for those with a clean record.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $172 |
| CSAA | $184 |
| Mercury | $210 |
| Allstate | $217 |
| Progressive | $246 |
| State Farm | $246 |
| Farmers | $260 |
| Auto Club | $280 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. | |
Cheapest for drivers with an at-fault accident: GEICO
Drivers with an at-fault accident will find the lowest car insurance rates at GEICO, which charges an average $109 a month for full coverage.
Unlike other cities, Sacramento drivers don’t see much of an uptick in rates when they have an accident on their record.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $109 |
| Progressive | $128 |
| CSAA | $146 |
| Allstate | $153 |
| Mercury | $159 |
| State Farm | $160 |
| Farmers | $184 |
| Auto Club | $189 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. | |
Cheapest for drivers with a DUI: Mercury
Mercury has the cheapest car insurance company for drivers with a DUI. For full coverage, the company charges $263 a month, on average.
However, the citywide average for drivers with a DUI is $430 a month — almost three times more than the cost for drivers with a clean record.
| Insurance company | Monthly rate |
|---|---|
| Mercury | $263 |
| GEICO | $278 |
| Progressive | $307 |
| Farmers | $325 |
| CSAA | $522 |
| State Farm | $569 |
| Allstate | $583 |
| Auto Club | $595 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. | |
Cheapest car insurance for senior drivers: GEICO
GEICO charges the cheapest car insurance rates for senior drivers in Sacramento, where the average monthly cost is $109.
Often, seniors are seen as responsible drivers who are cheap to insure, meaning they enjoy lower premiums. However, in Sacramento, their rates are extremely similar to younger drivers.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $109 |
| Progressive | $128 |
| CSAA | $146 |
| Allstate | $153 |
| Mercury | $159 |
| State Farm | $160 |
| Farmers | $184 |
| Auto Club | $189 |
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. | |
Cheapest car insurance for young drivers: GEICO
GEICO charges the cheapest car insurance rates for young drivers, too, offering minimum coverage for $125 a month and full coverage for $288 a month.
As in many cities, young drivers in Sacramento pay more for car insurance, on average.
| Insurance company | Minimum coverage | Full coverage |
|---|---|---|
| GEICO | $125 | $288 |
| Mercury | $145 | $384 |
| State Farm | $149 | $297 |
| CSAA | $156 | $450 |
| Progressive | $171 | $403 |
| Farmers | $200 | $427 |
| Allstate | $209 | $356 |
| Auto Club | $249 | $520 |
| Rates are for an 18-year-old male with a clean driving record. | ||
See how much you could save on car insurance
Cheapest car insurance for married drivers: GEICO
Married drivers should head to GEICO for affordable car insurance, where they’ll find monthly rates averaging $97.
In some cases, married drivers pay lower rates for car insurance than do their single counterparts. That’s true in Sacramento, where the average married driver pays $143 a month for full coverage — $11 less than what singles pay.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $97 |
| Progressive | $104 |
| Mercury | $140 |
| Allstate | $144 |
| CSAA | $146 |
| State Farm | $160 |
| Farmers | $176 |
| Auto Club | $177 |
| Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. | |
Car insurance laws in California
No-fault car insurance
California is not a no-fault car insurance state. Instead, it’s an at-fault state. This means that drivers can sue one another for damages following an accident.
SR-22 insurance
An SR-22 is a form verifying that a driver’s insurance meets the state’s minimum car insurance coverage requirements. In California, it’s required — usually for three years — following reinstatement after a license suspension.
Sacramento car insurance: FAQs
GEICO is the cheapest car insurance company in Sacramento. It offers full coverage for $109 a month, on average, and minimum coverage for $43 a month.
Sacramento drivers pay an average of $154 a month for full-coverage car insurance and $71 a month for minimum coverage.
Yes, all drivers in Sacramento – and elsewhere in California – must have at least 15/30/5 insurance coverage. This means they need, at a minimum, $15,000 of bodily injury liability coverage per person, and $30,000 per accident. They also need $5,000 of property damage liability coverage.
Methodology
The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Sacramento, California.
Unless otherwise noted, our sample driver is a single 35-year-old with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state.
Full-coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: $100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
Sources:
Auto insurance by city
- Los Angeles
- San Diego
- San Francisco
- San Jose
- Sacramento
- Huntington Beach
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