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Best cheap car insurance in Sacramento

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Sacramento is California’s state capital and ranked as one of the worst cities in the country for drivers in 2019, based on traffic citations and speeding. Because the likelihood of being involved in an accident is higher than average, having car insurance in Sacramento is essential.

Unfortunately, the likelihood of accidents means car insurance premiums in Sacramento are higher than they are for most of California. Minimum coverage costs $808 per year and full coverage insurance is $2,236 per year on average. Finding the cheapest car insurance in Sacramento could save you hundreds of dollars per year. Bankrate is here to help — the following five companies are among the best car insurance options in Sacramento based on rates and customer satisfaction, among other factors.

Best car insurance companies in Sacramento

Bankrate uses Quadrant Information Services to obtain current premium information for insurance companies in the Sacramento area. The best insurance carriers in Sacramento were chosen based on average premiums, J.D. Power scores, financial stability, coverage offerings and discount options.

Insurance company J.D. Power score
Average annual premium for minimum coverage Average annual premium for full coverage
Geico 828 / 1,000 $537 $1,624
Grange N/A $549 $2,130
AAA 848 / 1,000 $582 $2,289
Wawanesa 853 / 1,000 $666 $1,622
Progressive 823 / 1,000 $705 $1,832


Drivers in Sacramento may want to add Geico to their list of companies to get quotes from. Geico’s premiums are low, but they offer several discounts to help policyholders save even more. You can get discounts for being a military member, a federal employee, a safe driver or a good student. Combine that with Geico’s good customer service scores from J.D. Power, and drivers in Sacramento may find that Geico is a great insurance choice.


Grange is not as large as some of the other insurance companies on this list, but that does not stop them from offering low premiums. Grange provides car insurance coverage in only 13 states and offers an array of coverage options and discounts, such as the OnTrack telematics discount, which gives drivers a chance to save on their premiums when they allow an app to track their driving.


AAA is a membership-based insurance program; to get insurance coverage with the company, you will need to join the club. Annual membership costs between $56 and $119 per year. Even with the membership fee, AAA’s average annual minimum coverage premium is far lower than Sacramento’s overall average annual minimum coverage premium. Additionally, AAA’s travel discounts and roadside service are top features of the membership.


Wawanesa started in Canada but has a large presence in California. The company earns first place in the 2020 J.D. Power U.S. Auto Insurance Study in California based on customer’s opinions of its billing process, policy information, claims handling, customer interactions, policy offerings and price. In addition to the high level of service, Wawanesa is the cheapest provider of full coverage car insurance in our list. For Sacramento drivers looking for full coverage, Wawanesa may be worth considering.


Progressive claims drivers who switch save an average of $750 per year. The carrier has an extensive list of ways that Sacramento drivers can save on their insurance. Some of the biggest discounts include the Snapshot telematics program, which tracks your driving habits and can qualify you for a discount, and a continuous insurance discount that lowers your premiums the longer you have been insured with Progressive or another carrier prior to switching your coverage.

Cheapest car insurance in Sacramento

The average cost of car insurance in the state of California is $733 annually for minimum coverage and $2,065 annually for full coverage. Car insurance in Sacramento is higher than the state average. Drivers in the capital can expect to pay an average of $808 per year for minimum coverage and $2,236 per year full coverage. Drivers in both Sacramento and California pay higher premiums than the national average rates of $565 annually for minimum coverage and $1,674 annually for full coverage.

If your priority is to find the lowest-priced car insurance possible, you may want to take a look at the following companies. These companies offer some of the cheapest premiums in Sacramento:

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $537 $1,624
AAA $582 $2,289
Progressive $705 $1,832
Mercury $706 $1,831
State Farm $725 $2,064

Geico and Progressive have similar offerings and are both well-known as reliable, affordable carriers. AAA provides car insurance packed with features such as roadside service, but a club membership is required. Mercury is best for basic, no-frills car insurance. State Farm is the best option when you prefer to work face-to-face with a local insurance agent to find customized coverage.

Keep in mind that car insurance is more than just the premium. You might also want to consider reviewing a company’s coverage and discount options, customer service reviews and financial strength when shopping for car insurance.

Sacramento insurance requirements

Like most states, California requires that drivers carry at least a minimum amount of liability coverage. To drive legally in the Golden State, you must have at least the following limits of liability coverage on your car insurance policy:

  • $15,000 in bodily injury per person
  • $30,000 in bodily injury per accident
  • $5,000 for property damage

Although minimum coverage insurance is often the cheapest option, it may not be enough to protect you in an at-fault accident and could leave you with out-of-pocket expenses if the damages you cause are higher than your insurance limits. Most insurance experts recommend purchasing liability coverage in higher limits than the state minimum required levels.

If you financed your vehicle with a loan or a lease, your bank will likely require you to carry full coverage insurance, which includes comprehensive and collision coverages. Even if you do not have a loan or lease, you may want to consider full coverage so that you have coverage for damages to your own vehicle.

Car insurance discounts in Sacramento

Sacramento drivers pay higher-than-average premiums, but there are ways to lower the cost of your auto insurance. Some common discounts in the Sacramento area are:

  • Safe driver: Avoiding tickets, accidents and claims may help you to save you money on car insurance.
  • Telematics discounts: If your company offers a telematics program, you may have the chance to download a tracking app or install a plug-in device that analyzes your driving habits. Based on the information received from the program, you may qualify for a discount.
  • Multi-policy: If you own a home or condo or rent an apartment, you may consider getting your property insurance from the same company that you have your auto insurance with. Many companies offer discounts for bundling multiple insurance products.

Each company offers different discounts, so the best way to ensure that you are taking advantage of as many as possible is to talk to a licensed agent or representative from your insurance company.

Frequently asked questions

What is the best car insurance company?

Based on Bankrate’s research, the best car insurance companies in Sacramento are Geico, Wawanesa, AAA, Progressive and Grange. However, every driver is different. The best way to find the best insurance company for you is to obtain quotes from several different insurance providers and compare them. This way, you can find a company that will give you the coverage you need at the best price.

How much does car insurance in Sacramento cost?

The average annual car insurance cost in Sacramento is $808 per year for minimum coverage and $2,236 per year for full coverage. Rates vary depending on a number of factors, such as your age, driving history, the type of car you drive and even your ZIP code. You may pay more or less than the average premiums based on your specific rating factors.

How much car insurance do I need in Sacramento?

To legally drive in Sacramento, you will need a minimum amount of liability insurance. California requires drivers to carry at least $15,000 in bodily injury per person coverage, $30,000 in bodily injury per accident coverage and $5,000 for property damage coverage. You may want to consider purchasing higher liability limits or even full coverage to better protect yourself. Talking to an insurance agent may be the best way to determine how much coverage you need.


Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a finance and business journalist who has been featured in Bankrate, Business Jet Traveler, MSN,, and She regularly travels to Africa and the Middle East to consult with women’s NGOs about small business development and works with select startups and women-owned businesses to provide growth and visibility.
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