What's the Average Cost of Car Insurance in Sacramento?


On average, California premiums exceed the national average by $179. Premiums run even higher in the city, so in Sacramento, it is vital to save while insuring a vehicle. We've analyzed how auto insurance rates in Sacramento compare to premiums nationwide.


CAR INSURANCE PREMIUMS: SACRAMENTO VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$2,084$1,748$1,569


Sacramento Auto Insurance by Marital Status and Gender


Gender as well as marital status can affect your car insurance premiums in Sacramento. Being married, as opposed to single or divorced, can save you close to 4% per year. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Premiums are barely cheaper for men. Men generally pay $3 less than women every year for insurance.


SACRAMENTO AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$2,087
Male$2,084
Single$2,084
Married$1,993
Divorced$2,084
Widowed$2,002


Sacramento Car Insurance Premiums by Age Bracket

Teenage drivers have the highest rates amongst all the age groups, with car insurance payments of $7,673 on average. The largest dip in premiums for Sacramento drivers happens when they hit their 20s. Once out of the teenage age bracket, drivers save an average of 60% each year. In Sacramento, turning 70 means an increase in insurance rates. Up until then, moving between age groups means decreasing prices. Drivers in their 60s save money on insurance premiums, as they have the lowest rates among all age groups, paying only $1,792 annually. People in their 70s ($1,812) and 50s ($1,839) also have relatively low premiums.


SACRAMENTO CAR INSURANCE RATES BY DRIVER AGE
AgeAverage Rate
Teenagers$7,673
20s$3,042
30s$2,047
40s$1,979
50s$1,839
60s$1,792
70s$1,812


Sacramento Auto Insurance by Accident or Violation History


Do you know how much an accident or violation on your record can cost you in terms of premiums? Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. Drivers with a DUI or reckless driving infraction in Sacramento have rates nearly triple the average for the city ($2,084). The amount of damage caused by an accident plays a part in the extent to which insurance rates will increase. For individuals in Sacramento with at-fault accidents in which damages exceeded $2,000, rates are an average of $1,310 more than at-fault accidents with damages less than $1,000.


AVERAGE SACRAMENTO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Rate
DUI/DWI$5,860
Reckless Driving$5,860
At-fault Accident (damages less than $1,000)$2,084
At-fault Accident (damages greater than $2,000)$3,394
Speeding Ticket (16-20 mph over speed limit)$2,823


* Credit score, while used in other states, 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.

60

Rainy Days a Year

19"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Sactown

2
Major Highways
I-5 I-80 U.S. 50
2
Public Transit
RT Bus RT Light Rail
2
Popular Day Trips
Big Sur Mount Diablo Sonoma Valley

Car Insurance Companies in Sacramento

21st Century Alliance United Aspire Advantage Aspire Savings Bristol West Clearcover Dairyland Infinity Kemper Auto Metromile SAFECO Travelers Workmen's Auto

Find Local Sacramento Agents

InterWest Insurance Services, Inc.

3636 American River Dr, Ste 200 Sacramento, CA 95864

McGee & Thielen Insurance Brokers, Inc.

3840 Rosin Court, #245 Sacramento, CA 95834

McDowall & Keeney Insurance Associates

865 Howe Ave, Suite 200 Sacramento, CA 95825

McClatchy Insurance Agency, Inc.

2410 Fair Oaks Blvd #140 Sacramento, CA 95825

CoreMark Insurance Services, Inc.

2520 Venture Oaks Way, Suite 240 Sacramento, CA 95833

Leaders Choice Insurance Services, Inc.

2520 Venture Oaks Way, Suite 310 Sacramento, CA 95833

IOA Insurance Services

2180 Harvard Street, Suite 450 Sacramento, CA 95815

Heritage West Insurance

2365 El Camino Ave, #6 Sacramento, CA 95821

Owen-Dunn Insurance Services

1455 Response Road, Suite 260 Sacramento, CA 95815

C. W. Wright Insurance Services

2400 22nd Street, Ste 100 Sacramento, CA 95818

West Insurance Brokers, Inc.

5250 Elvas Avenue Sacramento, CA 95819

John O. Bronson Co., Inc.

3636 American River Dr Ste 200 Sacramento, CA 95864

2

$1,680

The average Sacramentan's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

269

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

See How Much You Can Save in Sacramento

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Recent Questions:

Sacramento Car Insurance

I damaged a vehicle I was test driving with no insurance

The dealership should have insurance to cover incidents during test drives. They would file a claim for the vehicle damage.

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.

Can I get car insurance with a state ID?

Yes, you can get insurance without a license. There will be a surcharge for not having a license in California.

What happens if I'm involved in an accident without insurance?

Unfortunately there really isn't much that you can do. Even if the other driver is found to be at fault, without them having insurance your vehicle is pretty unlikely to get fixed unless you pay for the repairs yourself.

Additional Resources:

Sacramento Car Insurance

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