Find Cheap Car Insurance in Sacramento, CA (from $109/mo)

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!

AUTO INSURANCE: SACRAMENTO RATES VS. STATE + NATIONAL AVERAGES

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

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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 companies for cheap auto insurance in Sacramento — but don't forget to get personalized car insurance quotes to match your driving profile.

SACRAMENTO AUTO INSURANCE RATES BY COMPANY

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.

SACRAMENTO AUTO INSURANCE PREMIUMS BY DRIVER AGE

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.

SACRAMENTO AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER

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.

SACRAMENTO CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT

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.

SACRAMENTO CAR INSURANCE RATES BY CREDIT SCORE

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.