How Much Are Car Insurance Rates in Sacramento?
Premiums in Sacramento are $260 greater than the state average, which is why the city is known for its costly premiums, so if you are insuring a vehicle in Sacramento, being knowledgeable about premiums is important. Let's compare car insurance costs in Sacramento versus premiums across the nation.
INSURANCE PREMIUMS: SACRAMENTO VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Sacramento Car Insurance Costs by Driver Age
At $1,693, drivers in their 60s have the smallest insurance rates among any age group. People in their 50s ($1,737) aren’t paying significantly more. Teenage drivers are the ones who pay the most in car insurance premiums, with rates of $7,388 on average. When drivers reach their 20s in Sacramento, therefore moving out of the teenage age bracket, they pay $4,480 less in premiums, the largest difference between any age group. When drivers turn 70, they will experience a premium increase related to their age for the first time.
SACRAMENTO AUTO INSURANCE PRICES BY AGE
Sacramento Auto Insurance by Gender and Marital Status
Car insurance premiums in Sacramento are affected by gender as well as marital status. However, premiums for men and women tend to only deviate slightly, with men paying less. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Those who are married save roughly 4% per year compared to those who are single.
SACRAMENTO CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Sacramento Car Insurance After an Accident or Moving Violation
Past accidents and violations can cost you in terms of car insurance premiums. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. $3,634 is the extra cost per year for drivers with a DUI or reckless driving violation in Sacramento, compared to the city average of $1,973. For those in Sacramento with at-fault accidents, car insurance is an average of $1,104 more per year.
AVERAGE SACRAMENTO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$3,077|
|At-fault Accident (damages greater than $2,000)||$3,077|
|Speeding Ticket (16-20 mph over speed limit)||$2,684|
* Credit score is considered discriminatory in California and thus is not used as a rating factor when companies determine 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
CoreMark Insurance Services, Inc.
2520 Venture Oaks Way, Suite 240 Sacramento, CA 95833
Owen-Dunn Insurance Services
1455 Response Road, Suite 260 Sacramento, CA 95815
IOA Insurance Services
2180 Harvard Street, Suite 450 Sacramento, CA 95815
InterWest Insurance Services, Inc.
3636 American River Dr, Ste 200 Sacramento, CA 95864
C. W. Wright Insurance Services
2400 22nd Street, Ste 100 Sacramento, CA 95818
Leaders Choice Insurance Services, Inc.
2520 Venture Oaks Way, Suite 310 Sacramento, CA 95833
McDowall & Keeney Insurance Associates
865 Howe Ave, Suite 200 Sacramento, CA 95825
Heritage West Insurance
2365 El Camino Ave, #6 Sacramento, CA 95821
John O. Bronson Co., Inc.
3636 American River Dr Ste 200 Sacramento, CA 95864
McClatchy Insurance Agency, Inc.
2410 Fair Oaks Blvd #140 Sacramento, CA 95825
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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