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Beth Swanson

SEO Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

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Nathan Foster

Agency Trainer

  • Licensed Insurance Agent - Property and Casualty

Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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How much does car insurance cost in Sacramento?

In Sacramento, the cost of a six-month car insurance policy is on average $1,050 or $175 per month. Wawanesa currently provides the cheapest car insurance in Sacramento at a rate of $572 for a six-month policy. Car owners in Sacramento pay more than the average for car insurance in California, which stands at $965 for a six-month policy. This amount is also more than the national average of $880.

According to our customers, 32% of them said they are paying too much for car insurance. If you are one of these drivers or you need assistance selecting the best coverage for your vehicle, keep reading to learn how you can obtain a fair rate based on various factors such as your credit score and the level of coverage.

Car Insurance in Sacramento vs. California Avg. 6 Mo. Premium
California Average $965
Sacramento Average $1,050

The cheapest car insurance companies in Sacramento

1st place medal
1st place: Wawanesa

Wawanesa is the cheapest option in Sacramento at $95 per month or $572 for a six-month policy.

2nd place medal
2nd place: GEICO

Another solid option in Sacramento is GEICO, which came in as a close second and costs $122 per month.

3rd place medal
3rd place: USAA

USAA ranks third on our cheapest insurer list, with rates for a six-month policy at $857 ($143 per month).

The Zebra's key takeaways about car insurance in Sacramento:

  • The average cost of a car insurance policy in Sacramento is $1,050 per six-month policy — or $175 per month.
  • The cheapest company in Sacramento is Wawanesa ($572 every six months).
  • 32% of Zebra customers in Sacramento stated they used our product because they were paying too much for car insurance.

Are you paying too much for auto insurance?

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Sacramento car insurance rates by company

Sacramento drivers can save on car insurance by choosing regional carrier Wawanesa which our 2024 data reveals to be the most affordable carrier for full coverage. An average policy with Wawanesa costs $95 per month or $572 per six-month policy, while GEICO comes in second at $122 per month or $730 for a six-month policy.

Keep reading to learn more about the highest-rated car insurance companies based on The Zebra's Customer Satisfaction Survey.


Cheapest car insurance companies in Sacramento, CA
Company Avg. 6 Mo. Premium
Wawanesa $572
GEICO $730
USAA $857
Mercury $923
Progressive $947
Nationwide $1,125
State Farm $1,154
Allstate $1,234

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Shop around for the best rates

Sacramento drivers can quickly and easily compare rates from leading car insurance providers using our comparison tool. Whether you're looking for basic coverage or comprehensive protection, we've got you covered. Enter your ZIP code and see rates from Progressive, Allstate, GEICO, Mercury, and other top carriers to find the cheapest and best coverage for your needs.

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Average car insurance in Sacramento by rating factor

Sacramento drivers looking for affordable car insurance should be aware of the rating factors used by insurers to determine policy rates. These factors can include driving history, age, and credit score, among others. While different companies may weigh these factors differently, it's important to understand how they work to find the best policy for your unique situation.

Car insurance needs can evolve as you age or encounter shifts in your personal circumstances, making it vital to periodically request quotes to guarantee that you're securing the most competitive rates. Ensuring that you're still obtaining the best possible rates might lead you to consider Sacramento as the ideal location for car insurance.

Q: I didn't have an accident — Why is my insurance going up?

A: In Sacramento, end-of-year earnings (the revenue of premiums versus the cost of paying out claims) is a major factor in determining car insurance rates. Even if you haven't filed any claims, you could still be paying more with a particular insurer due to the cost of doing business in the area. By understanding these rating factors, you can make informed decisions about your coverage and find the best rates.

Auto insurance premiums by age in Sacramento

In Sacramento, age is a crucial rating factor used by car insurance companies to determine policy rates. Young drivers are often seen as higher risk, resulting in increased premiums compared to drivers in their 20s and beyond. The difference in rates paid by teen drivers and drivers in their 20s in Sacramento can be significant, with teens paying as much as $2,830 more annually.

It's important to remember that insurance companies are in the business of risk management. By charging higher rates for teen drivers, they are able to offset the increased cost of paying out claims for young and inexperienced drivers. While it may seem unfair, these rating factors are used to assess risk and ensure fair pricing for all drivers accurately.

Cheapest car insurance companies for teen drivers in Sacramento, CA
Company Avg. 6 Mo. Premium
Wawanesa $951
GEICO $1,713
USAA $1,900
State Farm $2,030
Mercury $2,223
Progressive $2,357
Allstate $2,708
Nationwide $3,587
Age Bracket Cheapest Companies Avg. 6 Mo. Premium
20s Wawanesa $626
30s Wawanesa $507
40s Wawanesa $507
50s Wawanesa $507
60s Wawanesa $507
70s Wawanesa $498

Zebra Tip: The cheapest company for Sacramento drivers across all age groups is Wawanesa

In Sacramento, the bulk of drivers fall between the ages of 20-40, according to our data. On average, this group pays $1,200 every six months for car insurance. However, by opting for coverage through Wawanesa, GEICO or USAA, drivers in this age group may be able to save up to 37% on their car insurance premiums.

Auto insurance premiums for minimum coverage in Sacramento

The type of coverage you choose for your auto insurance policy can greatly impact your monthly premium. While minimum coverage is the most affordable option, it also offers the least amount of protection. Our data shows that many drivers in Sacramento have opted for the state minimum coverage. While this may satisfy legal requirements, it can leave drivers vulnerable to costly expenses in the event of an accident.

Collision and comprehensive coverage can provide a higher level of protection for your vehicle, but it comes at a cost. When purchased together, these types of coverage are often referred to as "full coverage" insurance, and each requires a deductible. The amount of your deductible can affect your rates, as a higher deductible can result in lower rates.

When it comes to auto insurance, it's important to consider additional coverages like roadside assistance or uninsured motorist coverage. While they may increase your overall premium, they can provide valuable protection in case of emergencies or accidents. The Zebra's experts recommend these coverages for added peace of mind on the road.

Q: Can I lower my car insurance coverage?

A: Possibly — if your vehicle is paid off.

If you're leasing or financing your vehicle, there are probably certain coverage requirements you need to maintain. But for drivers in Sacramento who own their vehicles, it's worth considering if dropping collision or comprehensive coverage is right for you. The value of your car is a key factor in this decision, and if it's worth less than $4,000, dropping these coverages could save you money on your premiums. Just keep in mind that you will be responsible for any repairs or damages in the event of an accident.

Cheapest car insurance companies for minimum coverage in Sacramento, CA
Company Avg. 6 Mo. Premium
GEICO $200
Wawanesa $255
USAA $256
Progressive $280
Mercury $313
Nationwide $368
State Farm $370
Allstate $433

41% of our customers in Sacramento opt for the basic level of coverage, but this may not be the best option for everyone. While we understand this is a budget-friendly solution, it does leave you at risk for damages that exceed your liability limits. California's 15/30/5 liability limits provide coverage for damage you cause up to $15,000 per person in bodily injury, $30,000 per accident in bodily injury and $5,000 for property damage. While this may be sufficient for most standard car accidents, it might not be for bodily injury claims or multi-vehicle accidents.

Learn more about insurance laws in California.

Sacramento car insurance rates by credit score

In most states, a driver's credit score plays a significant role in their car insurance rates. Insurance companies view one's credit score as an indicator of how likely a driver is to file claims, with lower credit scores being associated with a higher likelihood of filing claims, having coverage lapses, or engaging in risky driving behaviors. However, California considers the use of a credit score when determining car insurance rates discriminatory, so it isn't actually a factor for Sacramento residents.

car insurance in Sacramento by credit score

Auto insurance rates with an at-fault accident

At-fault accidents and other collisions are the most prevalent types of insurance claims. These types of claims can have a significant impact on your insurance rates, with an at-fault accident increasing average rates in Sacramento from as little as $4 to as much as $128 per month. The cheapest insurance company in Sacramento after an at-fault accident is Wawanesa

Keeping a clean driving record is the most effective way to keep your car insurance rates low. All violations can lead to rate increases, but some have a more significant impact than others, such as speeding, accidents, and DUIs/DWIs. In Sacramento, these violations will remain on your record and affect your premium for three to five years, depending on the severity of the citation.

Cheapest car insurance companies after an at-fault accident in Sacramento, CA
Company Avg. 6 Mo. Premium
Wawanesa $858
USAA $1,218
GEICO $1,317
Mercury $1,595
Nationwide $1,645
State Farm $1,822
Progressive $1,875
Allstate $2,687

Sacramento car insurance rates by violation

See how different violations increase your insurance costs below.

Car insurance rate increases after violations and citations in Sacramento, CA

Why is car insurance in Sacramento so expensive?

Where you live in Sacramento also plays a role in determining your car insurance rates. Individual factors like driving history and demographics are important, but the neighborhood you reside in can also affect premium calculations. Crime rates, theft, and uninsured motorists vary by ZIP code, so some areas of the city are riskier for insurance companies. If you live in a high-crime area, you will likely pay more for car insurance than someone who lives in a safer neighborhood.


Where you live in Sacramento also plays a role in determining your car insurance rates. Individual factors like driving history and demographics are important, but the neighborhood you reside in can also affect premium calculations. Crime rates, theft, and uninsured motorists vary by ZIP code, so some areas of the city are riskier for insurance companies. If you live in a high-crime area, you will likely pay more for car insurance than someone who lives in a safer neighborhood.

Expensive Sacramento ZIP codes: 95824, 95815, 95832, 95823, 95814

Cheap Sacramento ZIP codes: 95819, 95831, 95758, 95818, 95835

Weather risk

While California is famous for its mild, pleasant weather, the state is still susceptible to natural disasters, especially wildfires. With over 9,200 fires and two million acres burned in 2021, California tops the list nationally for wildfire events.[1]

In the past, catastrophic damage caused by weather and other natural disasters has bankrupted insurance companies. While this is less likely to occur in the city center, insurance companies will raise their rates to anticipate further weather-related losses in areas that see frequent damage. In fact, many companies have pulled out of the California homeowners insurance market due to wildfire risks.

Number of drivers

In Sacramento, there are multiple transportation options available in the city. The city has a bus system, and the downtown area is bike and electric-scooter-friendly. Nonetheless, driving a personal vehicle is still the most common mode of transportation. The high number of drivers on the road increases the likelihood of accidents, which can result in rising insurance costs. Our data indicates that around 33% of drivers in Sacramento are uninsured. To avoid being responsible for damages caused by uninsured drivers, consider protecting yourself with uninsured motorist coverage on your insurance policy.

Zebra Tip: Comprehensive coverage and uninsured property damage coverage are good to have in Sacramento

In Sacramento, comprehensive coverage provides the necessary safeguards against damage incurred as a result of various weather-related events. If you find yourself concerned about the possibility of flooding or other weather-related incidents causing harm to your vehicle, it is advisable to consider whether this coverage aligns with your requirements.

Moreover, it is highly recommended to carry uninsured motorist coverage (UMPD) in cities like Sacramento, where the prevalence of uninsured drivers is notably high. UMPD coverage offers valuable support in cases of damage caused by underinsured or uninsured drivers and generally features a more affordable premium and deductible compared to collision coverage, potentially resulting in lower rate increases following a claim.

Bundling insurance policies in Sacramento

In Sacramento, one of the best ways to save on your insurance policy is by taking advantage of discounts offered by your provider. Insurance companies often offer a multi-policy discount, which allows policyholders to save if they insure two or more policies with the same company. Bundling home and car insurance is a popular option for qualifying for this discount.

Whether you presently possess or find yourself in need of a policy to safeguard your dwelling, dedicating your time to bundling that policy with your auto provider in Sacramento can yield substantial benefits. Alternatively, embarking on a quest to obtain both policies from a different insurance carrier may unveil potential discounts.

bundling home and auto insurance in Sacramento
Cheapest car insurance companies for bundling home and auto insurance in Sacramento, CA
Company Avg. 6 Mo. Premium
Wawanesa $572
GEICO $730
USAA $774
Mercury $793
Progressive $812
Nationwide $849
State Farm $912
Allstate $1,210

In Sacramento, drivers can work to make their insurance profile more appealing to insurers by taking a few key steps. One of the most important pieces of advice we offer is to shop around and compare auto insurance quotes with as many companies as possible. This can help you find the most affordable rate without compromising on coverage or service. Additionally, consider making changes to any personal factors that may affect your premium, such as improving your credit score or moving to a safer neighborhood. If you're still having trouble finding an affordable policy, don't be afraid to switch to a more affordable provider.

Find the best rates for both auto and home insurance in minutes!

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Frequently asked questions

Sacramento drivers should expect to pay around $175 per month for full coverage car insurance in accordance with our data. However, it's important to note that this number can change based on various personal factors.

Sacramento rates can feel pricey for a variety of reasons: The number of drivers in the area, weather risks, as well as crime statistics in certain neighborhoods can all be factors. Your personal rating factors such as age and driving history play a large part in your rate, as well.

Sacramento drivers looking for affordable car insurance should consider Wawanesa. As a regional company, Wawanesa only serves drivers in California and Oregon. An average auto insurance policy with Wawanesa costs $572 for six months, making it the cheapest option available to Sacramento drivers.

Find affordable rates in minutes!

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How much is car insurance near me? — explore more cities near Sacramento, CA

Recently answered questions about car insurance in Sacramento from real Zebra customers

Car insurance near me in Sacramento

Other people are also asking...

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

There are 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. However, most companies will increase your rate after you file a claim. For California in 2018, rates increased an average of $660 per year after an accident. …
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. And since you have damage to two different areas of your vehicle that came from separate incidents, your insurance company will requ…
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. The only way to avoid causing an increase to your family member&#…
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 editorial 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.