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|
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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|
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|
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|
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|
|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|
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)|
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Sacramento Agents
Heritage West Insurance
2365 El Camino Ave, #6, Sacramento, CA 95821
McGee & Thielen Insurance Brokers, Inc.
3840 Rosin Court, #245, Sacramento, CA 95834
IOA Insurance Services
2180 Harvard Street, Suite 450, Sacramento, CA 95815
McDowall & Keeney Insurance Associates
865 Howe Ave, Suite 200, Sacramento, CA 95825
Owen-Dunn Insurance Services
1455 Response Road, Suite 260, Sacramento, CA 95815
InterWest Insurance Services, Inc.
3636 American River Dr, Ste 200, Sacramento, CA 95864
CoreMark Insurance Services, Inc.
2520 Venture Oaks Way, Suite 240, Sacramento, CA 95833
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
C. W. Wright Insurance Services
2400 22nd Street, Ste 100, Sacramento, CA 95818
John O. Bronson Co., Inc.
3636 American River Dr Ste 200, Sacramento, CA 95864
West Insurance Brokers, Inc.
5250 Elvas Avenue, Sacramento, CA 95819
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