Click here for our full-length guide to California car insurance quotes, discounts, and state requirements.

Northern California, an evergreen-speckled region of innovation, nature, and iconic landmarks is a spectacular area offering both visitors and residents exciting activities and adventures. The capital of the Golden State, Sacramento, once a bustling Gold Rush hub, sits at the junction of the Sacramento and American Rivers.

Car travel is the main mode of transportation for over half a million Sacramento residents. Finding the right car insurance policy for you and your lifestyle is an important step towards safe driving in Sacramento. Compare and save on the best and cheapest car insurance quotes in Californian capital here.

Find cheap car insurance quotes for Sacramento today.

For more city-specific car insurance details, check out our overviews of Los Angeles, San Jose, Riverside and Long Beach.

Buying Car Insurance in California

Cheapest Car Insurance Quotes in Sacramento, CA

Here are the cheapest insurance companies in Sacramento, based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Clean driving records may amount to “good driver discounts,” resulting in lower overall insurance costs.

Insurance CompanyQuotes
State Farm$87/month

USAA often offers the lowest car insurance rates to California drivers, but it is only available to active-duty members of the military, veterans, and their immediate families.

Best Car Insurance Companies in Sacramento, CA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top-rated companies that offer car insurance in Sacramento. For the complete list, see Insurify’s best car insurance companies.

Insurance CompanyScoreQuotes
State Farm83$87/month

Compare Average Premiums 

Insurance rates vary greatly from town to town. Many factors contribute to the cost of your monthly insurance costs, even your zip code may affect how much you pay. Sacramento has slightly higher monthly premiums compared to state and national averages. Keep the savings rolling and compare policies on Insurify today.

Sacramento Average Premium California Average Premium National Average Premium
$112/month $118/month $131/month

Sacramento Auto Insurance FAQs 

Will my credit score affect my car insurance rate?

No. Unlike the majority of the United States, California has outlawed the practice of using credit-based insurance scores to help determine the risk of a policyholder. That means that car insurance companies are not allowed to hold your low credit score against you by increasing your rate. Credit scores are calculated based on information from your credit report and are used by lending institutions to determine how likely it is that you'll repay a loan on time. Credit scores determine interest rates and loan qualifications. Credit-based insurance scores don't factor in your job, income history, gender, or any other personal information. Car insurance companies may use these variables to help determine the likelihood of an insurance claim in the future.

I’m undocumented—how do I insure my car in Sacramento?

California is home to an estimated two million undocumented immigrants. Fortunately, California is one of just a few states that allows people without U.S. documentation to obtain a driver’s license, the first step in being able to purchase car insurance. Drivers should never take the risk of driving an uninsured vehicle, which puts themselves and other drivers in danger.

I can’t afford car insurance. Can I qualify for financial assistance?

In California, there is one exception to the general minimum liability coverage discussed above. California’s Low-Cost Automobile Program, or CLCA, provides affordable automobile insurance to low-income residents. To qualify for the program, residents must be considered safe drivers whose total household income falls below the poverty line. If eligible, California drivers can purchase car insurance policies through the program at a lower cost than the standard state minimums. For low-income California residents making less than $31,225 annually, California’s Low-Cost Automobile Program is an excellent option. To be eligible for CLCA, drivers must have a valid California driver’s license, own a vehicle valued at $25,000 or less, be at least 16 years of age, have a good driving record, and meet income eligibility guidelines. Use the following table to see if your total household income makes you eligible for CLCA. Lower-income individuals in California may be eligible for large insurance discounts. Contact the Sacramento DMV to find out if you qualify for California’s low-cost auto insurance program or other financial assistance.

Sacramento Auto Insurance Requirements 

Before driving on California roadways, Californians must ensure their motor vehicle holds sufficient liability insurance.

Liability coverage is a safety necessity.

In California, state minimum coverage limits for liability car insurance are as follows:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

Driving records, prior car accidents, prior moving violations, speeding tickets, commute length, and other demographic factors may cause fluctuation to your Sacramento auto insurance rates.

Read more about California car insurance requirements. 

Comprehensive and collision coverage are supplemental options offered by insurance providers to protect your vehicle and passengers from “Acts of God,” vandalism, and other uncontrollable circumstances. 

For a free quote, compare auto insurance companies on Insurify

Sacramento DMV Information 

The city of Sacramento has one major Department of Motor Vehicle center located at 4700 Broadway. The office operates from 7:00 AM to 5:00 PM with a special evening and weekend hours. Here, residents can access services for driver’s license and identification card processing, vehicle registration, road tests for passenger cars and motorcycles, and self-service terminals to access other information and assistance.

Public Transit in Sacramento

Sacramento offers residents and visitors a multitude of public transportation options including bus, light rail, SmaRT Ride Microtransit, and Community Bus Services provided by North Natomas Jibe Express, Rancho CordoVan, and the Neighborhood Ride. Ridesharing services like Uber, Lyft, and traditional taxis operate across Las Cruces.

Embedded map hereConclusion: How to get the best and cheapest car insurance in Sacramento

As American drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy. Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

With an estimated 15.2 percent of vehicles driving uninsured throughout California, give yourself peace of mind with sufficient car insurance coverage. Don’t become just one more uninsured motorist—get quotes with Insurify to get the best coverage and rates for your car at a price that works for you.

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Updated February 12, 2020

Jackie Cohen received her B.A. in Global Media and Public Relations from the University of Massachusetts, Amherst. Currently based in Boston, MA, she works as a content writer for Insurify. An avid globe-trotter and foodie, Jackie spends her spare time adventuring far and near.