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.
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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:
Driving on Sacramento’s busy streets is rather affordable no matter how old you are, as car insurance rates are determined by a number of other factors. Drivers under the age of 20 are charged the most, at $359; however, leaving this age bracket doesn’t offer the savings you might expect. Rates for drivers from their 20s to their 80s range from $277 to $159, with slight variations during each decade of life.
|Failure to Stop for Red Light / Stop Sign||$313|
Some driving incidents are taken more seriously than others in Sacramento, so it’s smart to keep your driving record clean to the best of your ability. A speeding ticket will bump your rates up about $19, while an at-fault accident sees premiums reach the $252 price point. Should you fail to stop at an intersection, you’ll likely find your rate averages $312, just about $100 more than if you had a completely clear driving history.
At most, a driver’s credit rating in Sacramento will only change their car insurance premiums by about $50. Those who fall into the poor tier see rates average $203, while moving up to the average category saves about $30. Good credit will increase your premium to around $183, and finally, those with excellent credit often pay the most, with an average price of $220. While it may not help you save on insurance, it’s still wise to work toward a better credit rating.
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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.
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.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Sacramento drivers measure up to their fellow California motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Sacramento drivers rank 56 in the number of car accidents per driver across all cities in California.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in California, Sacramento drivers rank 67 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Sacramento drivers rank 68 in the number of DUI’s per driver across all cities in California.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Sacramento is the Honda Accord.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in California, Sacramento drivers rank 5 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Sacramento drivers rank 82 in clean driving records across all cities in California.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Sacramento drivers rank 30 in failure to yield violations per driver across all cities in California.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in California, Sacramento drivers rank 49 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Sacramento drivers rank 165 in hybrid and electric vehicle ownership across all cities in California.
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.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.