Cheapest Car Insurance In Sacramento, CA 2025
With a monthly average of $36, GEICO provides Sacramento’s lowest-priced minimum coverage car insurance.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the lowest-priced car insurance in Sacramento, CA, can be challenging since rates vary so much.
GEICO leads in affordability for liability-only insurance, while CIG is the best option for full coverage. Progressive stands out for offering the lowest rates to young drivers.
Cheapest Car Insurance Companies In Sacramento, CA 2025
Cheapest Rates In Sacramento For Teenagers: GEICO
The most affordable car insurance for teenage drivers in Sacramento comes from GEICO at an average rate of $213 per month.
The table below outlines the best options for the most affordable teen car insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $213 | $2,556 |
| CIG | $272 | $3,264 |
| Allstate | $280 | $3,360 |
| Farmers | $278 | $3,336 |
| State Farm | $235 | $2,820 |
Cheapest Liability-only Car Insurance In Sacramento: GEICO
The most affordable minimum coverage car insurance in Sacramento comes from GEICO, costing an average of $36 per month.
The table below showcases a side-by-side comparison of rates from multiple insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $36 | $432 |
| State Farm | $51 | $612 |
| Progressive | $39 | $468 |
| Kemper | $47 | $564 |
| Mercury | $53 | $636 |
Cheapest Car Insurance Rates For Seniors: GEICO
With an average monthly premium of $63, GEICO provides the best-priced car insurance for seniors in Sacramento.
Review the table below to see the average rates from the lowest-priced auto insurance companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $63 | $756 |
| CIG | $80 | $960 |
| State Farm | $70 | $840 |
| Hartford | $79 | $948 |
| Mercury | $88 | $1,056 |
Cheapest Full Coverage Insurance Rates In Sacramento: CIG
For full coverage car insurance in Sacramento, CIG has the most competitive rates, averaging $120 monthly.
This table provides a side-by-side look at average car insurance quotes from economical insurers in Sacramento.
| Provider | Average Monthly Cost | Average Annual Cost |
| CIG | $120 | $1,440 |
| GEICO | $129 | $1,548 |
| Kemper | $121 | $1,452 |
| Mercury | $126 | $1,512 |
| State Farm | $128 | $1,536 |
Cheapest Auto Insurance For Young Adults in Sacramento: Progressive
Progressive has the lowest monthly rates for young adults in Sacramento, averaging $76 for car insurance.
The following table provides a comparison of Sacramento’s most affordable car insurance rates for young adults.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $76 | $912 |
| CSAA | $94 | $1,128 |
| State Farm | $104 | $1,248 |
| CIG | $96 | $1,152 |
| Hartford | $115 | $1,380 |
Cheapest Car Insurance In Sacramento For Good Drivers: GEICO
For good drivers in Sacramento, GEICO offers the cheapest car insurance, with monthly rates around $36
If you’re a good driver, you can refer to the table below to see average quotes from the most affordable insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $36 | $432 |
| State Farm | $51 | $612 |
| Progressive | $39 | $468 |
| Kemper | $47 | $564 |
| Mercury | $53 | $636 |
Find affordable Sacramento rates
Cheapest Car Insurance In Sacramento After A Speeding Ticket: National General
National General stands out as a budget-friendly option in Sacramento, offering average rates of $109 a month for drivers with a speeding violation.
Check out the table below to find the average insurance rates for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $109 | $1,308 |
| GEICO | $140 | $1,680 |
| CIG | $136 | $1,632 |
| CSAA | $165 | $1,980 |
| Kemper | $159 | $1,908 |
Cheapest For Drivers With After At-Fault Accident: CIG
CIG offers the lowest-priced car insurance for drivers with an at-fault incident, averaging $140 per month.
Check out the list below for the insurance providers with the best rates for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| CIG | $140 | $1,680 |
| CSAA | $164 | $1,968 |
| State National | $168 | $2,016 |
| GEICO | $156 | $1,872 |
| Farmers | $250 | $3,000 |
Cheapest Rates In Sacramento For Drivers After A DUI: National General
National General offers the best-priced car insurance for Sacramento drivers with a DUI on their record, averaging $110 per month.
Below is a table comparing the cheapest rates for drivers in Sacramento with a DUI on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $110 | $1,320 |
| Mercury | $205 | $2,460 |
| Progressive | $200 | $2,400 |
| CIG | $212 | $2,544 |
| GEICO | $221 | $2,652 |
Best Car Insurance Companies In Sacramento
GEICO offers the best rates in Sacramento at $36 per month, followed by CSAA at $42 a month and State Farm at $51 per month.
The table below ranks the top 10 car insurance companies in Sacramento, CA, by their average monthly cost.
| Company | Monthly Premium |
| GEICO | $36 |
| State Farm | $51 |
| Progressive | $39 |
| Kemper | $47 |
| Mercury | $53 |
| CSAA | $42 |
| CIG | $52 |
| National General | $54 |
| Farmers | $57 |
| Nationwide | $58 |
Average Auto Insurance Rates In Sacramento – By Age
Age significantly impacts car insurance rates, with younger drivers typically paying higher premiums due to their inexperience and higher risk of accidents or violations. Teenagers, on average, can expect to pay $3,043 annually.
Insurance rates generally begin to decrease for drivers once they turn 25, as long as they maintain a clean driving history.
Drivers in their 50s and early 60s generally enjoy the most competitive insurance rates, as age helps insurers gauge driving experience and risk, impacting premiums.
| Age | Average Yearly Rate |
| Teenagers | $3,043 |
| 20s | $2,350 |
| 30s | $1,745 |
| 40s | $1,661 |
| 50s | $1,583 |
| 60s | $1,585 |
| 70s | $1,618 |
Average Rates In Sacramento – By Vehicle
Vehicle type has a significant impact on your car insurance costs, as insurers assess details like make, model, year, and body type. Newer vehicles, particularly luxury cars with expensive technology and replacement costs, tend to have higher premiums.
The following table displays the average insurance rates for different types of vehicles in Sacramento.
| Vehicle | Average Monthly Rate |
| Jeep Compass | $652 |
| Toyota Rav4 | $330 |
| Kia Sportage | $826 |
| Hummer H2 | $175 |
| Toyota Avalon | $865 |
Average Cost Of Auto Insurance In Sacramento – By Zip Code
Insurance companies use zip codes to assess the crime rates in a neighborhood, which leads to varying insurance premiums across different areas.
The following table provides the average insurance rates across various zip codes in Sacramento.
| Zip Code | Average Monthly Rate |
| 95827 | $151 |
| 95815 | $141 |
| 95831 | $132 |
| 95822 | $142 |
| 95825 | $147 |
How Much Is Car Insurance In Other Cities in California?
Where you live can significantly affect your car insurance costs. Factors like the likelihood of accidents, theft, and vandalism, which are typically higher in urban areas, often result in increased premiums.
In Culver City, drivers can expect an average car insurance rate of $204 a month, while in fresno, the typical monthly premium is $171.
| City | Average Monthly Rate |
| Bakersfield | $175 |
| Danville | $163 |
| Cerritos | $192 |
| Palo Alto | $158 |
| Jurupa Valley | $177 |
| San Diego | $170 |
| Lynwood | $211 |
| Culver City | $204 |
| Fresno | $171 |
| Lancaster | $195 |
Find affordable Sacramento rates
Our Methodology
With a detailed analysis that includes customer feedback, pricing, product selection, and insights from online reviews, I’ve put together an in-depth view of car insurance providers in Sacramento, CA.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Sacramento?
The most affordable car insurance rates in Sacramento for the state’s minimum coverage are from GEICO, while CIG offers the best rates for full coverage, covering both comprehensive and collision.
What is the average cost of car insurance in Sacramento?
The average monthly cost of car insurance in Sacramento is around $160, but rates can change depending on factors like your zip code, the year and model of your car, and your driving record.
