Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • The annual number of car thefts in Sacramento is 2,883.
  • The cheapest car insurance company in Sacramento for teen drivers is USAA
  • Average car insurance rates in Sacramento, CA for senior drivers are $2,445/year

Average car insurance rates in Sacramento, California are $342 a month. But with a little research you can get a great deal from the top car insurance companies in Sacramento, CA. Before you buy Sacramento, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Sacramento car insurance rates with Los Angeles car insurance rates, San Jose car insurance rates, or San Francisco car insurance rates to make sure you’re getting the best Sacramento, CA car insurance quotes available.

Need affordable Sacramento, CA car insurance? Enter your ZIP code to compare Sacramento car insurance quotes from multiple car insurance companies near you.

Sacramento, CA Minimum Car Insurance Coverage

Sacramento, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Sacramento, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Sacramento, CA Car Insurance Rates by Coverage Level

Some Sacramento drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Sacramento, California car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Sacramento, California

Insurance Company Low Medium High
Allstate $4,795 $5,161 $5,379
Farmers $5,558 $6,027 $6,351
GEICO $2,699 $3,030 $3,256
Liberty Mutual $3,197 $3,458 $3,629
Nationwide $4,645 $5,299 $5,671
Progressive $2,569 $2,980 $3,115
State Farm $4,269 $4,858 $5,193
Travelers $3,179 $3,760 $4,042
USAA $2,571 $2,906 $3,067

Sacramento, CA Car Insurance Rates by Age, Gender, and Marital Status

Sacramento, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Sacramento, CA car insurance, get quotes from multiple car insurance companies in the Sacramento area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Sacramento, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,311 $3,308 $2,404 $2,420 $9,144 $11,488 $4,212 $4,607
Farmers $3,248 $3,248 $2,931 $2,931 $10,370 $16,968 $3,849 $4,286
GEICO $1,858 $1,859 $1,748 $1,748 $5,631 $5,727 $2,665 $2,727
Liberty Mutual $2,604 $2,466 $2,413 $2,339 $5,666 $6,033 $2,938 $2,963
Nationwide $3,660 $3,493 $3,207 $3,022 $9,297 $10,285 $4,367 $4,310
Progressive $1,804 $1,856 $1,542 $1,826 $4,843 $5,826 $2,607 $2,802
State Farm $3,755 $3,755 $3,356 $3,356 $6,922 $8,605 $4,154 $4,281
Travelers $2,724 $2,636 $2,399 $2,374 $5,668 $6,465 $3,547 $3,473
USAA $2,039 $1,930 $1,990 $1,996 $4,666 $4,687 $2,817 $2,661

Sacramento, CA Car Insurance Rates for Teens

How much is Sacramento, California car insurance for teens? Compare rates from top Sacramento car insurance companies below to help find the cheapest teen car insurance in Sacramento, CA.

Annual Car Insurance Rates for Teen Drivers in Sacramento, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,144 $11,488
Farmers $10,370 $16,968
GEICO $5,631 $5,727
Liberty Mutual $5,666 $6,033
Nationwide $9,297 $10,285
Progressive $4,843 $5,826
State Farm $6,922 $8,605
Travelers $5,668 $6,465
USAA $4,666 $4,687

Sacramento, CA Car Insurance Rates for Seniors

Before seniors buy Sacramento, California car insurance, they should make sure to shop around. Some Sacramento, CA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Sacramento, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,404 $2,420
Farmers $2,931 $2,931
GEICO $1,748 $1,748
Liberty Mutual $2,413 $2,339
Nationwide $3,207 $3,022
Progressive $1,542 $1,826
State Farm $3,356 $3,356
Travelers $2,399 $2,374
USAA $1,990 $1,996

Sacramento, CA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Sacramento, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Sacramento.

Annual Sacramento, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,076 $5,169 $8,165 $4,037
Farmers $4,423 $6,020 $7,495 $5,977
GEICO $2,096 $3,228 $4,058 $2,600
Liberty Mutual $2,975 $3,987 $3,597 $3,152
Nationwide $3,627 $4,655 $7,884 $4,655
Progressive $1,888 $3,216 $3,727 $2,721
State Farm $3,406 $4,062 $7,671 $3,953
Travelers $2,429 $3,987 $4,631 $3,595
USAA $1,891 $2,818 $4,613 $2,072

Sacramento, CA Car Insurance Rates With a DUI

Even a single DUI can increase your Sacramento, CA car insurance rates. Compare rates below to see which Sacramento car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Sacramento, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,165
Farmers $7,495
GEICO $4,058
Liberty Mutual $3,597
Nationwide $7,884
Progressive $3,727
State Farm $7,671
Travelers $4,631
USAA $4,613

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Sacramento, CA Car Insurance Rates by ZIP Code

Just like Sacramento car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Sacramento, CA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Sacramento, California

ZIP Code Average Annual Rates
95811 $5,850
95814 $5,791
95815 $5,919
95816 $5,582
95817 $5,700
95818 $5,507
95819 $5,174
95820 $5,770
95822 $5,609
95823 $5,964
95824 $6,057
95830 $5,427
95831 $5,081
95832 $5,867
95833 $5,734
95834 $5,718
95835 $5,510
95836 $5,668
95837 $5,381
95838 $6,031

Sacramento, CA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Sacramento, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Sacramento companies based on commute time.

Annual Car Insurance Rates by Commute Length in Sacramento, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,598 $5,625
Farmers $5,424 $6,534
GEICO $2,721 $3,270
Liberty Mutual $3,146 $3,710
Nationwide $4,596 $5,814
Progressive $2,620 $3,156
State Farm $4,598 $4,949
Travelers $3,290 $4,031
USAA $2,624 $3,072

Sacramento, CA Cheapest Car Insurance Rates

How do the top Sacramento, California car insurance companies’ average rates stack up against the Sacramento average monthly car insurance rates of $342? Take a look and see.

Best Annual Car Insurance Rates by Company in Sacramento, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record Progressive
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Sacramento, CA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Sacramento, California car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Sacramento, California

Insurance Company Average Annual Rates
Allstate $5,112
Farmers $5,979
GEICO $2,995
Liberty Mutual $3,428
Nationwide $5,205
Progressive $2,888
State Farm $4,773
Travelers $3,661
USAA $2,848

Other Factors Affecting Sacramento, CA Car Insurance Rates

Before you buy Sacramento, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Sacramento, CA Car Theft Rates

The car theft rate in Sacramento, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Sacramento, California is 2,883 stolen cars.

Sacramento, CA Commute Time

How does your Sacramento, CA commute time compare with the average driver? In Sacramento, the average commute is 12.3 minutes.

Sacramento, CA Traffic

Spending time in Sacramento traffic can lead to higher car insurance rates. According to INRIX data, Sacramento, CA ranks as the 330th-most congested with traffic in the world.

Sacramento, CA Car Insurance Quotes

Compare Sacramento, CA car insurance quotes from multiple companies by entering your ZIP code now.