Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

What's the average cost of car insurance in Sacramento?

Car insurance costs an average of $2,121 per year in Sacramento. That's more than the statewide average in California ($1,868) and more expensive than the national average of $1,548. Our guide to Sacramento auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more! Or, enter your ZIP code above to receive personalized quotes in under five minutes.

Sacramento Average (annual) California Average United States Average
$2,121 $1,868 $1,548

Jump to Sacramento car insurance rates by:

Or compare insurance rates instantly:

Location pin icon
No spam. We take your privacy seriously.

Sacramento car insurance premiums by company

The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical insurance customer, GEICO provides Sacramento's cheapest rates. See below the best auto insurance companies for cheap insurance in Sacramento — but don't forget to get personalized car insurance quotes to match your driving profile.

Insurance Company Average Yearly Rate
GEICO $1,303
Mercury $1,628
Infinity $2,141
State Farm $2,182
AAA $2,208

Consult our expert guide to finding the best cheap car insurance.

Sacramento car insurance premiums by age

The age bracket that pays the least for auto insurance in Sacramento consists of drivers in their 60s, who pay an average of $1,899. Rates for Sacramento drivers in their 50s are also relatively affordable, at just $1,904 per year.

Teen drivers pay Sacramento's most expensive auto insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Sacramento is to celebrate your 20th birthday. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Sacramento is $4,707. That's the biggest gap in premiums between any pair of age brackets.

Age Average Yearly Rate
Teenagers $7,858
20s $3,151
30s $2,064
40s $1,996
50s $1,904
60s $1,899
70s $2,210

Learn more about the impact of age on car insurance premiums.

Sacramento auto insurance rates by marital status and gender

Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers in Sacramento pay $87 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. In Sacramento, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can influence auto insurance rates. In Sacramento, female drivers pay $3 per year more than do male drivers for car insurance.

Marital Status/Gender Average Yearly Rate
Female $2,124
Male $2,121
Single $2,034
Married $2,034
Divorced $2,121
Widowed $2,063

Learn more about how gender and marital status have on auto insurance rates.

Sacramento car insurance costs by accident and violation history

If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Sacramento, a reckless driving citation results in an average insurance rate increase of $3,603 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $3,490 increase and a speeding ticket triggers an $859 rate hike.

Violation Average Annual Rate
DUI/DWI $5,611
Reckless Driving $5,724
At-fault Accident (damages less than $1,000) $2,129
At-fault Accident (damages greater than $2,000) $3,723
Speeding Ticket (16-20 mph over speed limit) $2,980

Learn more about citations' impact on your auto insurance rates.

Sacramento car insurance rates by credit tier

It's no secret credit score is closely correlated with car insurance rates. Sacramento drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 0% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Sacramento, improving your credit to "Fair" could help you earn a $0 decrease in annual car insurance rates.

Credit Tier Average Rate (annual)
Very Poor $2,121
Fair $2,121
Good $2,121
Very Good $2,121
Exceptional $2,121

Learn more about the relationship between poor credit and car insurance.

What drives up car insurance rates in Sacramento?

Where you live in Sacramento affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn't play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Sacramento is no exception to the rule. From ZIP code 95864 to 95824, premiums rise by 21 percent—that's $332.

Expensive Sacramento ZIP codes: 95815, 95840, 95823, 95838, 95824

Cheap Sacramento ZIP codes: 95864, 95831, 95894, 95899, 95830

Sacramento Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Sacramento, you can expect 60 rainy days with an annual rainfall of 18.5 inches. Sacramento is also known to experience earthquakes and wildfires.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in Sactown

Major Highways
I-5 I-80 U.S. 50
Public Transit
RT Bus RT Light Rail

Uber in Sacramento

Lyft in Sacramento
Popular Day Trips
Big Sur Mount Diablo Sonoma Valley

Sacramento Car Insurance Companies Near Me

21st Century Aegis AFI Alliance United Allied Allstate Arrowhead Aspire Advantage Aspire Savings Auto Club (AAA) Bristol West California Automobile Assigned Risk Plan California Capital Carnegie Century National Cinch Clearcover Dairyland Direct Auto Drive Insurance Esurance Farmers FIMC Foremost GEICO Grange Insurance Hippo Infinity Infinity RSVP Infinity Special Kemper Auto Kemper Preferred Liberty Mutual Mapfre Insurance Mendota Mercury MetLife Metromile MileAuto Multi-State National General Nationwide Neptune Flood Insurance Progressive Safe Auto Safeco State Farm Stillwater Sun Coast The General The Hartford Titan Travelers Unitrin USAA Viking Workmen's Auto

Find Local Sacramento Agents

McGee & Thielen Insurance Brokers, Inc.

3840 Rosin Court, #245, Sacramento, CA 95834

C. W. Wright Insurance Services

2400 22nd Street, Ste 100, Sacramento, CA 95818

McClatchy Insurance Agency, Inc.

2410 Fair Oaks Blvd #140, Sacramento, CA 95825

John O. Bronson Co., Inc.

3636 American River Dr Ste 200, Sacramento, CA 95864

McDowall & Keeney Insurance Associates

865 Howe Ave, Suite 200, Sacramento, CA 95825

Owen-Dunn Insurance Services

1455 Response Road, Suite 260, Sacramento, CA 95815

West Insurance Brokers, Inc.

5250 Elvas Avenue, Sacramento, CA 95819

Leaders Choice Insurance Services, Inc.

2520 Venture Oaks Way, Suite 310, Sacramento, CA 95833

InterWest Insurance Services, Inc.

3636 American River Dr, Ste 200, Sacramento, CA 95864

IOA Insurance Services

2180 Harvard Street, Suite 450, Sacramento, CA 95815

Heritage West Insurance

2365 El Camino Ave, #6, Sacramento, CA 95821

CoreMark Insurance Services, Inc.

2520 Venture Oaks Way, Suite 240, Sacramento, CA 95833


The average Sacramentan's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 269 cups of coffee or $672 in savings

See How Much You Can Save in Sacramento

Just enter your ZIP code to get started

Location pin icon
No junk mail. No spam calls. Free quotes.

Should I file a claim for $3,000 with a deductible of $1,000?

There's a couple of things to think about. With the value of damage and your deductible, the most you would save by filing a claim is 2k.
Dec 16, 2018 Sacramento, CA

Can I group multiple accidents into one claim?

Unfortunately, you would be filing a collision claim which would be categorized by your insurer as an at-fault accident. This will likely cause your rate to increase.
Nov 19, 2017 Sacramento, California

If my car was hit by a family member, can I claim the damage with my insurance company to help them avoid a higher rate?

You could claim the damage as a hit-and-run, but that's technically not what happened so I would avoid lying to your insurance company. I would recommend getting a repair estimate first so you can factor that into your decision.
Nov 20, 2016 Sacramento, CA

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.