120+ more*Quotes generated for Insurify users in and around Sacramento, California within the last 10 days. Last updated on June 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Sacramento, California within the last 10 days. Last updated on June 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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On average, Sacramento drivers pay $150 per month for car insurance — higher than the California state average. The average monthly cost of car insurance in Sacramento is $96 for liability coverage and $203 for full coverage.
Rates in Sacramento tend to be pricey due to the city’s high crime rate, an increased risk of wildfires and floods, and a high population density.[1]
Sacramento has a much higher population than Temecula, which is one of the least expensive cities in California for car insurance. But coverage in Sacramento is less expensive than in Glendale, which has a higher population per square mile and is one of California’s most expensive cities for coverage.
Liability quotes start at $66/mo.
In California, drivers must purchase a state minimum amount of liability insurance. Drivers must maintain $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $15,000 in property damage liability.[2]
On average, California drivers pay $96 per month for liability insurance, but rates tend to be a bit higher in Sacramento. USAA is the cheapest liability insurance company in Sacramento, on average.
The table below shows the lowest liability insurance rates from several insurance companies in Sacramento.
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Ph.D. in Computational Biology
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $66 |
| Aspire General | $70 |
| GEICO | $73 |
| National General | $73 |
| Sun Coast | $74 |
| Mercury | $76 |
| Dairyland | $81 |
| Root | $89 |
| Allstate | $90 |
| Farmers | $93 |
| Direct Auto | $94 |
| Anchor | $96 |
| State Farm | $101 |
| Bristol West | $102 |
| Kemper Special | $102 |
| Travelers | $107 |
| Kemper Rsvp | $114 |
| 21st Century | $115 |
| Nationwide | $143 |
| Chubb | $180 |
Maintaining a full-coverage policy in Sacramento is a good idea for many drivers in the city. Sacramento ranks No. 23 among the worst cities in the country for car thefts, so comprehensive coverage can be handy if someone steals or vandalizes your car.
On average, the cheapest insurer for a full-coverage insurance policy in Sacramento is Aspire General. But you may find a cheaper policy in Sacramento from one of the insurance companies below.
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Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Aspire General | $124 |
| Root | $141 |
| Mercury | $146 |
| USAA | $147 |
| GEICO | $149 |
| Kemper Special | $167 |
| Kemper Rsvp | $170 |
| Sun Coast | $172 |
| Anchor | $184 |
| Dairyland | $185 |
| National General | $196 |
| Allstate | $202 |
| Farmers | $208 |
| Bristol West | $218 |
| State Farm | $226 |
| Direct Auto | $229 |
| Travelers | $236 |
| 21st Century | $258 |
| Nationwide | $318 |
| Chubb | $401 |
With its high theft rates, car accident incidents, and congestion, Sacramento has higher-than-average rates. But it’s not the most expensive city for car insurance in California, as highly populated areas like Los Angeles, Glendale, and Long Beach have higher premiums.
Sacramento has higher car insurance rates than Elk Grove, a city about 30 minutes south of Sacramento with a lower vehicle theft risk.
The table below highlights the average monthly car insurance rates for cities in California.
City | Average Monthly Quote |
|---|---|
| Anaheim | $152 |
| Bakersfield | $125 |
| Berkeley | $147 |
| Chula Vista | $121 |
| Elk Grove | $137 |
| Fremont | $133 |
| Fresno | $126 |
| Glendale | $256 |
| Long Beach | $163 |
| Los Angeles | $214 |
| Modesto | $137 |
| Moreno Valley | $140 |
| Oakland | $161 |
| Oxnard | $131 |
| Riverside | $143 |
| Sacramento | $150 |
| San Bernardino | $150 |
| San Diego | $124 |
| San Francisco | $165 |
| San Jose | $130 |
| Santa Ana | $144 |
| Santa Barbara | $119 |
| Santa Maria | $107 |
| Stockton | $139 |
| Temecula | $126 |
| Victorville | $153 |
Sacramento has higher-than-average car insurance rates for several reasons, including:
Theft: Sacramento ranks among the top 25 worst cities in the country for car thefts, according to Insurify data. In 2024 alone, Sacramento recorded nearly 7,000 vehicle theft cases.
Weather risks: Sacramento is prone to flooding and wildfires, so cars are more likely to have comprehensive insurance claims.[3]
Traffic: Heavy traffic and congestion in the city increase the risk of accidents for Sacramento drivers.
*Quotes generated for Insurify users in and around Sacramento, California within the last 10 days. Last updated on June 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Sacramento, California within the last 10 days. Last updated on June 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Every incident behind the wheel can lead to higher rates. Below are the cheapest insurance companies for Sacramento drivers with accidents, speeding tickets, or driving under the influence (DUI) convictions:
Cheapest car insurance for Sacramento drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Sacramento: USAA
Cheapest car insurance for Sacramento drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Sacramento: USAA
Nearly 6% of Sacramento drivers have an at-fault accident on their records, about 4% have a speeding ticket, and almost 1% have a recent DUI, according to Insurify data.
California is an at-fault state, meaning the driver who causes the accident is responsible for the other driver’s damages and injuries. That said, even if someone borrows your car and causes an accident, your policy should cover the damage.
Drivers with multiple accidents, speeding tickets, or DUIs on their records can face steep rate increases. You can face more severe penalties in California than higher premiums if you have a DUI in California, including a license suspension of four months to one year.[4]
Below, you can compare average monthly quotes by driving record in Sacramento.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $150 |
| Speeding ticket | $190 |
| At-fault accident | $191 |
| DUI | $204 |
Driving in Sacramento comes with some unique challenges and risks. The city ranks as the second-worst in the state for car crashes, with more than 4,200 people killed or injured in car accidents in 2023, according to the California Office of Traffic Safety.[5]
A 2025 INRIX study found that Sacramento drivers spend an average of 25 hours per year stuck in congestion.[6] Commuter traffic, busy roadways, and construction all increase the risk of collisions in Sacramento.
Plus, Sacramento has areas prone to flooding, especially during heavy rain, which can make roadways dangerous and increase the risk of water damage.
California also has a high percentage of uninsured drivers. More than 20% of drivers in the state are uninsured, increasing the financial risk of damage. You may want to consider adding uninsured and underinsured motorist coverage to your policy to protect you if you have an accident with an uninsured driver.
The Cap City Corridor, which includes State Route 51 and adjacent streets, is the most congested area in the region. It has particularly high levels of traffic congestion and accidents. If you’re driving in the Cap City Corridor, exercise caution and pay close attention to drivers around you.
During evening rush hour in Sacramento, the average driver’s speed drops from 34 miles per hour to just 27 miles per hour, according to data from TomTom. The heavy congestion increases the likelihood of accidents, so having collision coverage through a full-coverage policy is a good idea. Any higher amount of coverage you have will increase your monthly premium.
In an effort to keep Sacramento teen drivers safe, the Sacramento Policy Department offers a free driving course for new drivers and their parents. That course can come in handy, as teens are more likely than other age groups to be in and cause serious accidents, especially 16-year-olds and 17-year-olds who have very limited driving experience.[7]
Sacramento teens pay much higher car insurance rates than other age groups, with an average liability rate of $175 per month.
The table below shows the insurers with the lowest liability insurance costs for teen drivers in Sacramento.
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Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $122 |
| Aspire General | $127 |
| GEICO | $132 |
| Root | $134 |
| Sun Coast | $135 |
| Mercury | $139 |
| Dairyland | $141 |
| National General | $146 |
| Allstate | $178 |
| Bristol West | $181 |
| Direct Auto | $183 |
| Anchor | $183 |
| Kemper Special | $186 |
| Farmers | $186 |
| State Farm | $196 |
| 21st Century | $207 |
| Kemper Rsvp | $207 |
| Travelers | $223 |
| Nationwide | $279 |
| Chubb | $370 |
Check quotes from 120+ top insurance companies
About 14% of Sacramento’s population is 65 or older. Senior drivers in California usually pay lower rates than other drivers thanks to their experience behind the wheel.
Sacramento drivers in their 60s pay a monthly average of $87 for liability insurance, while senior drivers in California pay a statewide average of $87.
Here are the cheapest liability insurance rates for Sacramento seniors.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $55 |
| National General | $59 |
| GEICO | $60 |
| Mercury | $62 |
| Aspire General | $64 |
| Sun Coast | $67 |
| Dairyland | $71 |
| Allstate | $75 |
| Farmers | $76 |
| Direct Auto | $79 |
| Anchor | $81 |
| State Farm | $82 |
| Root | $84 |
| Bristol West | $87 |
| Travelers | $88 |
| Kemper Special | $93 |
| 21st Century | $93 |
| Kemper Rsvp | $104 |
| Nationwide | $113 |
| Chubb | $140 |
If you’re shopping for cheap car insurance in Sacramento, check out the additional information below as you compare policies and coverage options.
The average rate for car insurance in Sacramento is $150 per month. By coverage level, Sacramento drivers pay an average of $96 per month for liability coverage and $199 for full coverage.
The cheapest insurer in Sacramento is USAA. On average, drivers pay $66 per month for liability auto coverage from USAA.
Car insurance in California tends to be more expensive than in other parts of the country, in part because of the state’s high cost of living, severe weather, vandalism, and auto theft. California also has a high percentage of uninsured motorists, which insurers likely account for by increasing overall rates.
On a citywide level, Sacramento drivers face risks from high vehicle theft rates, traffic congestion, and moderate risks from flooding and wildfires. Your age, ZIP code, driving record, and chosen insurance coverage all affect your car insurance rates in Sacramento.
You can lower your premiums in Sacramento by adjusting your coverage limits, raising your deductible, and asking your insurance agent about insurance discounts, like for bundling your auto and home insurance. Maintaining a clean driving record and shopping around for the best car insurance can also help you reduce your insurance costs.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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9+ years in personal finance writing
Certified Financial Counselor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.