Cheap Auto Insurance Quotes in Sacramento, CA (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Finding Gold in Sacramento

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

Car travel is the main mode of transportation for over a 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 Sacramento.

Car Insurance in Sacramento, CA

The average cost of California car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Sacramento, CA to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Sacramento, CA

Here are the cheapest carriers in Sacramento for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance 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 carrier reviews. The following are the top rated carriers that offer car insurance in Sacramento. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Sacramento, CA Driving Facts

Minimum Car Insurance Requirements in CA

California effected a number of new traffic laws for 2018, including legislation on DUI policies for rideshare service drivers, seat belts on public transport, and smoking or ingesting cannabis in moving vehicles. Most significantly, a change in the California Department of Motor Vehicle's road rehabilitation and maintenance program signals that registration or renewed registration of a motor vehicle will now come with a fee of $25 to $175.

California's minimum liability car insurance limits are as follows:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident
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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 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 and Lyft, plus traditional taxis operate across Las Cruces.

Conclusion: 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.

 

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Sacramento stacks up for the state of California:


FAQs - Sacramento, CA Car Insurance

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.

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.

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.