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Sacramento Car Insurance

How much does car insurance cost in Sacramento, CA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Sacramento?

Sacramento is a historic town that once served as a hub of California's Gold Rush. Today, Sacramento is known for its temperate weather, popular outdoor activities and a vibrant live music scene.

Visitors love exploring the Delta King Hotel, near the area's Tower Bridge. It has several museums dedicated to the state's Gold Rush History, such as the California State Railroad Museum, the Eagle Theater and Old Sacramento Schoolhouse Museum. People can also paddleboard, bike there or hike at one of the city's parks.

Residents can use Sacramento's Regional Transit District (SacRT) to travel; however, it's nice to own a vehicle to explore all the city offers. Are you a Sacramento resident who needs insurance coverage for your vehicle? SmartFinancial can help you find an affordable insurer that fits your needs and budget.

In this article, you'll learn about the auto insurance requirements for Sacramento.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in California has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Sacramento typically pay around $129.74 per month compared to the national average of $135.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $135.68
California $131.60
Sacramento, California $129.74

Sacramento, CA Best Car Insurance Companies

car insurance in Sacramento

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Esurance generally has the most affordable car insurance in Sacramento coming in around $130.25 per month. Other companies to consider if you live in Sacramento is Unitrin with an average cost of $130.83 per month and USAA which typically runs around $141.14 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Sacramento.

RankCompanyAverage Monthly RateComparison State Average
1 Esurance $130.25-1.03%
2 Unitrin $130.83-0.58%
3 USAA $141.147.25%
4 Direct Auto $148.9913.21%
5 Allstate $155.8618.43%
6 SAFECO $156.4118.85%
7 California Capital $158.3720.34%
8 Mercury $158.3920.36%
9 21st Century $158.5420.47%
10 Grange $163.7924.46%

How Much is Car Insurance in Sacramento, CA?

how much is auto insurance in Sacramento

Rates can vary from city to city. The residents of Fresno typically pay $115.22 per month while people who live in Los Angeles will pay $174.37 per month on average. See what people pay for car insurance in other cities in California.

California CitiesMonthly Average Rate
Fresno $115.22
Los Angeles $174.37
Sacramento $129.84
San Diego $109.90
San Francisco $155.66

Cheap Car Insurance in Sacramento by Zip Codes

find cheap auto insurance in Sacramento

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of California. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Sacramento, CA ZIP CodeAverage Monthly Rate
94203$79.22
94205$240.49
94207$212.52
94254$77.16
94267$57.92
95811$126.82
95812$210.63
95813$53.65
95814$103.80
95815$123.67
95816$112.47
95817$116.93
95818$109.52
95819$105.26
95820$119.49
95821$122.55
95822$126.89
95823$131.36
95824$145.84
95825$125.78
95826$152.44
95827$130.34
95828$124.92
95829$150.04
95830$272.85
95831$132.15
95832$125.50
95833$139.61
95834$147.84
95835$137.01
95838$138.46
95841$128.58
95842$123.38
95860$77.15
95864$108.15
95867$82.15

Car Insurance Rates by Driver's Age Group in Sacramento

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $235.21 per month in Sacramento. Compare that to drivers in their 30’s who typically pay around $113.78 per month drivers in their 40s at $108.91 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$235.21
20s$160.53
30s$113.78
40s$108.91
50s$102.53
60s$102.92
70+$120.81

Cheapest Insurance for Teenage Drivers in Sacramento

If you are teen in Sacramento you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Unitrin typically charges around $149.31 per month. This is likely the most affordable option in Sacramento. You might also want to consider California Capital and USAA who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Unitrin$149.31
California Capital$225.82
USAA$237.55
State Farm$271.70
Mercury$280.29

Cheapest Insurance for 20 Year-olds in Sacramento

20 year-olds in Sacramento might want to consider Direct Auto who, on average, offers car insurance rates around $87.49 per month. Unitrin, Esurance , USAA and SAFECO are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Direct Auto$87.49
Unitrin$151.18
Esurance$166.11
USAA$173.89
SAFECO$179.06

Cheapest Insurance for 30 Year-olds in Sacramento

If you are in your 30s in Sacramento our research has found that Esurance typically has the most affordable coverage coming in around $118.43 per month, followed by USAA at $128.95 and Unitrin at $131.89.

CompanyAverage Monthly Rate
Esurance$118.43
USAA$128.95
Unitrin$131.89
Mercury$140.29
21st Century$142.54

Cheapest Insurance for 40 Year-olds in Sacramento

On average, Direct Auto offers car insurance for 40 year-olds in Sacramento for around $104.36 per month. If you are looking for affordable coverage, you may also want to consider Esurance or Unitrin. The full list of top companies is below.

CompanyAverage Monthly Rate
Direct Auto$104.36
Esurance$109.12
Unitrin$122.42
USAA$123.64
21st Century$130.00

Cheapest Insurance for 50 Year-olds in Sacramento

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Sacramento we found that Esurance generally offers the most affordable coverage at $101.62 per month.

CompanyAverage Monthly Rate
Esurance$101.62
USAA$113.31
21st Century$114.59
Unitrin$116.64
Allstate$121.17

Cheapest Insurance for 60 Year-olds in Sacramento

If you live in Sacramento and you’re in your 60s, our data indicates that Direct Auto usually has the best rates at $80.91 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Direct Auto$80.91
Esurance$112.37
Unitrin$116.40
21st Century$117.66
USAA$126.36

Driver's Coverage Auto Insurance Rates in Sacramento, CA

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Sacramento, the average monthly rate for a driver who is currently insured is $127.58 while drivers who are not currently covered will pay around $132.42.

CoverageAverage Monthly Rate
Not Currently Insured $132.42
Currently Insured $127.58

Compare Recent Car Insurance Quotes in Sacramento

auto insurance quotes in Sacramento city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Sacramento a driver of a 2015 Mercedes-Benz C can expect to pay around $179.82 per month while someone that owns a 2017 Chevrolet Camaro may pay around $246.79 per month. Check out the list of recent quotes in Sacramento below.

VehicleAverage Monthly Rate
2015 Mercedes-Benz C$179.82
2017 Chevrolet Camaro$246.79
2019 Kia Sportage$128.80
2016 Dodge Charger$217.62
2015 Mercedes-Benz E$180.58
2002 Ford Explorer$142.88
2020 Kia Optima$108.30
2014 Honda Civic$150.46
2011 Lexus CT 200H HYBRID$132.39
2021 Ram 1500$268.45

FAQ's for Drivers in Sacramento, CA

driver’s frequently asked question in Sacramento

Sacramento Auto Insurance Requirements

The California Department of Motor Vehicles requires drivers to provide proof of insurance (or financial responsibility). Individuals must carry insurance cards at all times and give them whenever law enforcement asks for it. They must also provide it when renewing the vehicle's registration.

The California DMV accepts the following forms of insurance:

  • Motor vehicle liability insurance policies
  • Cash deposits of $35,000 with DMV
  • DMV-issued self-insurance certificates, and
  • Surety bonds for $35,000 from licensed businesses in California.

What Is the Minimum Amount of Liability Coverage Requirement in Sacramento?

The minimum liability insurance requirements for private passenger vehicles (according to California Insurance Code §11580.1b) are:

  • Bodily Injury Liability Coverage: $15,000 for injury/death and $30,000 per accident minimum
  • Property Damage Liability Coverage: $5,000 minimum
  • Uninsured Motorist Bodily Injury Coverage: $15,000 per person/$30,000 per accident minimums
  • Uninsured Motorist Property Damage Coverage: $3,500 minimum

The state's minimum requirements may not provide enough coverage if you're at-fault in a car accident. You may need additional insurance, especially if you have expensive assets. SmartFinancial can help you find affordable coverage to protect you in case the worst happens. Fill out the form on this page to get started.

What Is the Blood Alcohol Concentration (BAC) Limit in Sacramento?

Driving Under the Influence means you had alcohol or other substances in your system while operating your vehicle. In Sacramento, it is illegal for a person to drive an automobile with the following blood alcohol concentration (BAC):

  • .08 BAC or higher (21 years old or older)
  • .01 BAC or higher (under 21 years old)
  • .01 BAC or higher at any age, if the person is on a DUI probation
  • .04 BAC or higher in any vehicle requiring a CDL
  • .04 BAC or higher when a passenger is in the vehicle at the time of an offense.

California also penalizes drivers that have drugs (prescription, over-the-counter, or illegal) in their system. The DMV will suspend your driving privileges after you're detained or arrested for a DUI.

If you get a DUI on your record, your auto insurance rates may go up quite a bit. SmartFinancial can help you find lower insurance rates and an insurer who will file an SR22 on your behalf. All you have to do is enter your zip code and fill out the form on our page and comparison shop for insurers that meet your needs.

Can I Register My Car Without Insurance in Sacramento?

No, you can't register your car without insurance in California. Sacramento residents must have valid liability insurance coverage for their vehicles when they register the automobiles. California's Department of Financial Services and DMV must approve these companies. Insurance must be under the same name of the vehicle's registrant and remain in effect.

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Commute Time in Sacramento, CA

25.4 Miles
map

Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Sacramento, CA

206

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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