Car Insurance in Sacramento
Premiums in Sacramento, which surpass the state average by $260, are recognized for being pricey. So it is important to save while insuring a vehicle in Sacramento. Let’s get started on how to save on car insurance in Sacramento.
- City Average: $1,973
- State Average: $1,713
- National Average: $1,427
Sacramento Car Insurance by Gender and Marital Status
Pricing for car insurance premiums in Sacramento is determined by quite a few factors, including gender and marital status. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Those who are single spend approximately 5% more per year on car insurance compared to those who are married. Premiums are barely cheaper for men. Men generally pay $3 less than women every year for insurance.
- Female: $1,976
- Male: $1,973
- Single: $1,973
- Married: $1,888
- Divorced: $1,973
- Widowed: $1,896
Sacramento Car Insurance by Accident or Violation History
Does your driving record show a history of accidents or violations? That can have an impact on your car insurance rates. Usually, a DUI or reckless driving offense in Sacramento will cost you 184% more in car insurance premiums versus the city average ($1,973). Nobody plans on being in an accident, but things happen, so be aware of the effect one can have on your rates. Expect your annual car insurance payments to increase by $1,104 if you are found at-fault in an accident in Sacramento.
- DUI: $5,607
- Reckless Driving: $5,607
- At-fault Accident (damages less than $1000): $3,077
- At-fault Accident (damages greater than $2000): $3,077
- Speeding Ticket (16-20 mph over speed limit): $2,684
Sacramento Car Insurance by Age
At $1,693, drivers in their 60s have the smallest car insurance premiums among any age group. Those in their 50s ($1,737) have premiums that aren't much higher. Drivers in Sacramento see the greatest fall in premiums when they hit their 20s, as they save an average of $4,480 from moving out of the teenage age bracket. While rates for drivers will continue to fall through their 60s, they should anticipate to pay more when they hit 70. With typical car insurance payments of $7,388, teenage drivers have the most expensive rates out of all the age groups.
- Teenagers: $7,388
- 20s: $2,907
- 30s: $1,936
- 40s: $1,873
- 50s: $1,737
- 60s: $1,693
- 70s: $1,891
* Credit score is considered discriminatory in California and thus is not used as a rating factor when determining how much you'll pay for auto 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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Sacramento Agents
West Insurance Brokers, Inc.
5250 Elvas Avenue Sacramento, CA 95819
Heritage West Insurance
2365 El Camino Ave, #6 Sacramento, CA 95821
C. W. Wright Insurance Services
2400 22nd Street, Ste 100 Sacramento, CA 95818
IOA Insurance Services
2180 Harvard Street, Suite 450 Sacramento, CA 95815
John O. Bronson Co., Inc.
3636 American River Dr Ste 200 Sacramento, CA 95864
Owen-Dunn Insurance Services
1455 Response Road, Suite 260 Sacramento, CA 95815
McClatchy Insurance Agency, Inc.
2410 Fair Oaks Blvd #140 Sacramento, CA 95825
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
McDowall & Keeney Insurance Associates
865 Howe Ave, Suite 200 Sacramento, CA 95825
CoreMark Insurance Services, Inc.
2520 Venture Oaks Way, Suite 240 Sacramento, CA 95833
McGee & Thielen Insurance Brokers, Inc.
3840 Rosin Court, #245 Sacramento, CA 95834
The average Sacramentan's annual cost of coverage
Our customer's average savings after comparing insurance
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Sacramento Car Insurance
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