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Cheap Auto Insurance Quotes in Sacramento, CA (2023)

Mile Auto, SafeAuto, and Anchor offer the cheapest car insurance for full-coverage insurance in Sacramento.

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Sarah Sharkey
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Sarah Sharkey
Sarah Sharkey
Written by
Sarah Sharkey
Insurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Ashley Cox
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Ashley Cox
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Edited by
Ashley Cox
Managing Editor
Ashley is an experienced personal finance editor who has edited a variety of digital content over the years, including credit cards, insurance, mortgages, personal loans, student loans, and more. She is passionate about helping people learn more about personal finance so that they can empower themselves and achieve their financial goals.Ashley began her career as a journalist, working as a reporter and editor for print and broadcast news outlets. She also has a background in corporate retail communications, where she focused on web content and marketing communications development. Before joining Insurify, Ashley worked as a senior editor at Credible and a copy editor at Credit Karma.When she’s not editing, Ashley volunteers with the local Humane Society, takes trapeze classes (where she daydreams about running away and joining the circus), and hikes the beautiful mountains of Western North Carolina.Ashley earned a bachelor’s degree in journalism and mass communication from Samford University.
Amber Benka
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Amber Benka
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Reviewed by
Amber Benka
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Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated December 21, 2022

Drivers in California’s capital city can’t avoid adding car insurance costs to their budget. But when compared to the rest of the state, Sacramento drivers can find relatively cheap car insurance. 

A minimum-coverage car insurance policy in Sacramento costs an average of $135 per month, which is 54% less per month than the California average of $294. 

How much does car insurance cost in Sacramento?

Although the city you call home affects your premium amount, your exact car insurance costs will vary based on your situation. Insurance companies look at several factors when determining premiums, including your driving history, age, vehicle features, policy type, and more.[1] 

Even with all these factors at play, it’s helpful to understand the average car insurance costs for drivers in your area. Insurify data scientists conducted an analysis to understand the average costs for Sacramento drivers. 

Here’s a look at some of the cheapest car insurance options In Sacramento:

  • Cheapest liability-only insurance: On average, Mile Auto offers Sacramento drivers the cheapest liability-only insurance policies, at $69 per month. 

  • Cheapest full-coverage policy: On average, SafeAuto offers Sacramento drivers the cheapest full-coverage insurance policies, at $144 per month. 

  • Cheapest insurance for young drivers: With an average cost of $104 per month, Mile Auto offers the cheapest car insurance options for young drivers in Sacramento. 

See More: Cheap Auto Insurance in California

Average cost of auto insurance in Sacramento

Based on careful analysis, the average monthly cost of car insurance in Sacramento is $186. Shopping around for an auto insurance policy can help you find the cheapest option for your situation. But on average, Mile Auto offers the cheapest rates. 

Here’s a breakdown of the average costs for Sacramento drivers by insurance company. 

Insurance CompanyAverage Monthly Quote
Mile Auto$113
SafeAuto$131
Anchor$143
Farmers/21st Century$146
Aspire General$150
National General$151
Travelers$161
Mercury$167
Progressive$173
Sun Coast$180
Clearcover$181
Safeco$203
Workmen’s$205
Kemper$216
Infinity$229
MAPFRE$242
Bristol West$298
Dairyland$327
Stillwater$336
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Read More: Cheap Car Insurance

Average car insurance premiums in Sacramento by marital status

Your marital status can also affect your car insurance premiums because married policyholders tend to file fewer claims than unmarried policyholders. Since unmarried drivers have a higher likelihood of filing a claim, they often pay higher car insurance costs. 

In Sacramento, married drivers pay an average of $249 per month. Drivers who haven’t heard wedding bells ring pay an average of $270 per month. 

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Cheapest car insurance in Sacramento: Mile Auto

Drivers looking for the cheapest minimum-liability car insurance option are likely to find what they’re looking for with Mile Auto. On average, drivers pay $69 per month for a liability-only policy through Mile Auto. If you’d prefer a full-coverage policy, SafeAuto offers the lowest average monthly price at $144. 

Every insurance company has a slightly different method of determining premiums. Your exact quote will vary based on factors like your driving record, age, ZIP code, vehicle type, and more. Since everyone has a unique situation, shopping around can help you find the cheapest rates. 

Here’s a closer look at the average costs of liability-only and full-coverage policies in Sacramento by insurance company:

Insurance CompanyLiability OnlyFull Coverage
Mile Auto$69$145
Farmers/21st Century$89$163
Anchor$90$165
SafeAuto$92$144
Aspire General$92$209
National General$116$172
Clearcover$122$198
Progressive$126$189
Travelers$129$168
Mercury$135$182
Safeco$138$213
Sun Coast$139$206
Kemper$141$255
Workmen's$144$235
Infinity$153$262
MAPFRE$155$285
Dairyland$185$408
Bristol West$189$351
Stillwater$190$385
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How much car insurance do you need in Sacramento?

California drivers must carry a minimum level of car insurance. The only way to get around this requirement is if you’re willing to prove your financial responsibility in the form of a deposit or bond to the DMV totaling $35,000. 

Most drivers opt to carry insurance instead of making this deposit of financial responsibility. Drivers must carry at least 15/20/5 insurance. Here’s a breakdown of those requirements:[2]

After purchasing your policy, you’ll need to carry proof of insurance with you at all times. You must present this proof when requested by law enforcement, renewing your vehicle registration, and after a traffic collision.   

The requirements above are the bare-bones amount you need to drive legally in California. However, this coverage doesn’t include any help repairing your own vehicle after an at-fault accident. If you want more financial protection, look into collision and comprehensive coverage

California DMV information

The California Department of Motor Vehicles (DMV) allows drivers in California to tackle many essential tasks online. For example, you can request a replacement driver’s license or pay reinstatement fees through the website. But some services require an in-person visit, which you can make an appointment for in advance.[3]  

Tips for getting cheap car insurance in Sacramento

Car insurance is often a big line item in any monthly budget, which makes finding a cheap option important for many. 

Here are some strategies to help you lower your car insurance costs:

  • Find a discount opportunity. Many car insurance companies offer discount options to their policyholders. Some relatively common discount options are available for military members, students, and good drivers. Ask your insurer which discounts you might be eligible for. 

  • Increase your deductible. An insurance policy with a higher deductible often comes with lower insurance premiums. But make sure you can afford the deductible before raising it, because your deductible is the amount you’ll have to pay out of pocket before your insurance will kick in if you need to file a claim. 

  • Shop around. Every insurer looks at your unique situation a bit differently. As a driver, the best way to find the cheapest option is to get quotes from multiple insurance companies. You can tackle this task in minutes with an online quote-comparison tool. 

Another way to save on car insurance is by earning an excellent driving reputation. 

“The fact is, better drivers often get lower rates on their car insurance,” says Anthony Martin, founder and CEO of Choice Mutual Insurance. “Avoiding speeding tickets is an easy way to start. Your insurance company will sometimes reduce your payment for every three years you go without an accident.”

Read More: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Sacramento 

Your age is one factor that insurance companies consider when setting your car insurance rates. On average, mature drivers with years of experience on the road get into fewer accidents than younger drivers. A higher likelihood of a car accident means that insurance companies often charge more for younger drivers. In Sacramento, teen drivers pay an average of $387 per month for car insurance, while drivers in their 60s enjoy the most affordable rates at $138 per month. The table below shows what Sacramento drivers can expect to pay each month on average based on their age group.

Age GroupAverage Monthly Quote
Teenagers$387
Under 25$306
25-29$213
30s$165
40s$156
50s$140
60s$138
70s$164
80+$155
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

See Also: Compare Car Insurance by Age and Gender

Cheapest car insurance for young drivers in Sacramento

Young drivers typically pay higher car insurance premiums because of their lack of driving experience. On average, young drivers in Sacramento find the cheapest premiums with Mile Auto, at $120 per month. But SafeAuto, Travelers, Anchor, Progressive, and Farmers each offer average premiums of less than $200 per month for full-coverage policies.

Insurance CompanyAverage Monthly Quote
Mile Auto$120
SafeAuto$133
Travelers$176
Anchor$187
Progressive$190
Farmers/21st Century$193
Safeco$203
Sun Coast$204
National General$206
Clearcover$226
Aspire General$227
Mercury$231
Kemper$258
Workmen's$273
MAPFRE$339
Bristol West$379
Infinity$389
Dairyland$496
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for middle-aged drivers in Sacramento

Middle-aged drivers can find significantly lower monthly premiums than young drivers. But on average, the cheapest option for full-coverage insurance in Sacramento is still Mile Auto, at $90 per month.

Insurance CompanyAverage Monthly Quote
Mile Auto$90
SafeAuto$120
Aspire General$122
Anchor$122
Mercury$127
Farmers/21st Century$129
Travelers$129
Progressive$138
National General$140
Clearcover$144
Sun Coast$146
Workmen's$155
Kemper$156
Infinity$159
Safeco$162
MAPFRE$174
Pronto$202
Bristol West$213
Dairyland$258
Stillwater$306
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for senior drivers in Sacramento

Older drivers in Sacramento will find options on-par with middle-aged drivers. At $91 per month, Mile Auto offers the cheapest average monthly premiums for full-coverage car insurance.

Insurance CompanyAverage Monthly Quote
Mile Auto$91
Anchor$104
Mercury$113
Aspire General$113
Farmers/21st Century$117
Travelers$118
Clearcover$124
Progressive$132
National General$132
Sun Coast$134
SafeAuto$135
Kemper$139
Infinity$152
Workmen's$152
Safeco$159
MAPFRE$169
Bristol West$193
Dairyland$256
Pronto$333
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Check Out: The Best Car Insurance Companies for Seniors

How credit scores affect cheap car insurance in Sacramento

Your credit score is one of many factors that insurers consider when determining car insurance premiums. In many states, insurance companies factor your credit score into a broader insurance score, which indicates how much of a risk you might be to insure and how much they’ll charge you for a policy.[4] In general, drivers with poor credit tend to pay more for car insurance than those with excellent credit scores. 

FICO scores fall on a scale between 300 and 850. A FICO score below 579 is considered poor, while a score of 580-699 is considered fair. A FICO credit score between 670 and 739 is considered good.

Although California doesn’t allow insurance companies to use credit-based scores or credit history for setting insurance rates, other factors can cause monthly averages to vary for people in different credit tiers. Explore the average full-coverage premiums for your credit score range below:

Credit TierAverage Monthly Quote
Excellent$208
Good$177
Fair$167
Poor$170
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Read More: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in Sacramento

The type of insurance coverage you purchase, as well as your driving habits, affect how much you’ll pay for car insurance. Drivers with red flags on their driving record tend to see higher insurance costs than drivers with a clean record. For example, having a history of accidents, getting a DUI, or speeding tickets on your driving record often leads to higher insurance costs. 

The tables below outline how different driving infractions could increase your rates for car insurance.

It’s important to note that when you see a negative difference in a table, it doesn’t mean that particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small — insurers may choose to not offer policies to drivers with that infraction. Your actual rate can vary, based on a number of factors other than driving record. Cheapest car insurance with an accident in Sacramento: Mile Auto

Car insurance costs tend to rise after an at-fault accident. But you’ll still find competitive rates available. On average, drivers with an accident in their past pay an average of $112 per month through Mile Auto. 

Car Insurance CompanyClean RecordWith AccidentDifference
Mile Auto$100$112+$12
SafeAuto$127$157+$30
Travelers$130$151+$21
Anchor$134$163+$29
Mercury$136$241+$105
Sun Coast$139$220+$81
Clearcover$140$253+$113
Farmers/21st Century$140$155+$15
National General$147$172+$25
Aspire General$148$191+$43
Progressive$164$140-$24
Safeco$164$171+$7
Kemper$172$224+$52
Workmen’s$192$218+$26
Infinity$194$367+$173
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance with a DUI in Sacramento: SafeAuto

A DUI is often perceived as a major risk factor for insurance companies, which leads to higher car insurance costs. After a DUI, drivers pay an average of $146 per month for insurance through SafeAuto.

Car Insurance CompanyClean RecordWith DUIDifference
SafeAuto$127$146+$19
Anchor$134$218+$84
Mercury$136$278+$142
Sun Coast$139$292+$153
National General$147$223+$76
Aspire General$148$176+$28
Progressive$164$198+$34
Kemper$172$190+$18
Workmen’s$192$287+$95
Infinity$194$283+$89
MAPFRE$210$430+$220
Dairyland$307$474+$167
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance with a speeding ticket in Sacramento: Mile Auto

Speeding through the streets of Sacramento might land you with a ticket. Drivers typically pay more for car insurance after getting a speeding ticket. On average, the cheapest car insurance option is through Mile Auto, at $131 per month. 

Car Insurance CompanyClean RecordWith Speeding TicketDifference
Mile Auto$100$131+$31
SafeAuto$127$159+$32
Travelers$130$181+$51
Anchor$134$193+$59
Mercury$136$261+$125
Sun Coast$139$203+$64
Clearcover$140$220+$80
Farmers/21st Century$140$176+$36
National General$147$214$67
Aspire General$148$181+$33
Progressive$164$172+$8
Safeco$164$212+$48
Kemper$172$253+$81
Workmen’s$192$279+$87
Infinity$194$387+$193
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance in other California cities

Car insurance rates can vary greatly from city to city — even within the same state. Here’s a look at car insurance in some other California cities:

Find local Sacramento agents

  • McGee & Thielen Insurance Brokers, Inc.

    3840 Rosin Court,
    #245, Sacramento, CA 95834
  • NFP Property & Casualty Services, Inc.

    3620 American River Drive,
    Suite 125, Sacramento, CA 95864
  • CoreMark Insurance Services, Inc.

    2520 Venture Oaks Way,
    Suite 240, Sacramento, CA 95833
  • IOA Insurance Services

    2180 Harvard Street,
    Suite 450, Sacramento, CA 95815
  • Veterinary Insurance Services Company

    1400 River Park Drive,
    Suite 180, Sacramento, CA 95815
  • NFP Property & Casualty Services, Inc.

    9840 Business Park Drive,
    Suite B, Sacramento, CA 95827
  • C. W. Wright Insurance Services, Inc.

    2400 22nd Street,
    Suite #200, Sacramento, CA 95818
  • John O. Bronson Co., a Division of HUB International

    3636 American River Drive,
    Suite 200, Sacramento, CA 95864
  • Heritage West Insurance

    2365 El Camino Avenue,
    #G, Sacramento, CA 95821
  • InterWest Insurance Services, LLC

    8950 Cal Center Dr.,
    Bldg 3, 2nd Floor, Sacramento, CA 95826
View more

Sacramento car insurance FAQs

Here are answers to some commonly asked questions about car insurance in Sacramento.

  • Drivers in Sacramento pay an average of $205 per month, or $2,460 per year, for car insurance. But your exact costs will vary based on your unique profile.

  • Sacramento drivers need at least $15,000 in bodily injury liability coverage per person, $30,000 in bodily injury liability coverage per accident, and $5,000 in property damage liability insurance. Some drivers choose to carry more extensive coverage to protect their wallets from the implications of an incident. 

  • If you drive without insurance in Sacramento, the DMV will suspend your vehicle’s registration. With that suspension, you can’t operate or park the vehicle on public roadways. 

  • On average, Sacramento drivers find the cheapest rates through Mile Auto, Farmers, and Anchor for liability-only policies. Mile Auto offers the cheapest average options, at $69 per month.

  • Clearcover offers the best car insurance in Sacramento, according to Insurify data. Average rates for a liability-only policy through Clearcover are $122 per month.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed December 19, 2022
  2. California Department of Motor Vehicles. "Insurance Requirements." Accessed December 19, 2022
  3. California Department of Motor Vehicles. "Online Services." Accessed December 19, 2022
  4. National Association of Insurance Commissioners. "Credit-Based Insurance Scores." Accessed December 19, 2022
Sarah Sharkey
Written by
Sarah Sharkey
Linkedin

Insurance Writer

Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.

Learn More
Ashley Cox
Edited by
Ashley Cox
Linkedin

Managing Editor

Headshot of Managing Editor Ashley Cox
Edited by
Ashley Cox
Managing Editor
Ashley is an experienced personal finance editor who has edited a variety of digital content over the years, including credit cards, insurance, mortgages, personal loans, student loans, and more. She is passionate about helping people learn more about personal finance so that they can empower themselves and achieve their financial goals.Ashley began her career as a journalist, working as a reporter and editor for print and broadcast news outlets. She also has a background in corporate retail communications, where she focused on web content and marketing communications development. Before joining Insurify, Ashley worked as a senior editor at Credible and a copy editor at Credit Karma.When she’s not editing, Ashley volunteers with the local Humane Society, takes trapeze classes (where she daydreams about running away and joining the circus), and hikes the beautiful mountains of Western North Carolina.Ashley earned a bachelor’s degree in journalism and mass communication from Samford University.
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.