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How much is car insurance in Sacramento?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Sacramento are on par with what you would pay anywhere else in California.
If you're thinking of moving to Sacramento from out of state, you may still be in luck. You can expect to pay about $20 below the national average for auto insurance in Sacramento.
Bear in mind that while these rates are the average costs for Sacramento residents, it doesn't mean that's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
Don't worry, we've done the work for you and broken down average rates for Sacramento to help you get a more accurate idea of what you'll be charged for your policy. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
The older you are, the more experience you're likely to have behind the wheel, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, drivers under 18 pay nearly three times as much as those who are in their mid-30s or older.
You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement, however, you may see your rates begin to climb back up.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. In Sacramento, although women do pay a bit less on their monthly auto coverage, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Sacramento, a driving record with a single accident will usually get you a rate around $71 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $90.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$58|
According to the first table above, the cheapest vehicles to insure in Sacramento are typically trucks and vans.
Monthly premiums for SUV owners cost about $57 on average, while the rates for car owners are around $59.
The average monthly cost for coverage for truck and van drivers usually runs a bit cheaper -- about $55.
Your vehicle's age can also affect your monthly bill. Overall, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, you may see your rates begin to drop back down. In Sacramento, however, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
More often than not, those who have settled down into marriage will pay slightly less for their car insurance. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
That difference in Sacramento equates to about $9 each month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$84|
Another factor taken into consideration is your living situation. Renters can expect to pay around $5 a month more than those who own their own home in Sacramento. But if you live with your parents, you can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Sacramento, CA
Recent trends in car insurance for Sacramento drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when selecting an auto insurance policy.
Auto insurance rates in Sacramento increased from 2016-2017, when they reached a high of $63. This trend leveled out in 2018, when they began to decrease, and have continued to do so through 2021, when insurance rates hit a low of $49 a month.
How does Sacramento compare to neighboring areas?
Why are car insurance rates in Sacramento different from other areas?
There are a variety of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Area laws
- Area crime rates
- Road Safety (total number of local car accidents)
- Amount of drivers in the region
- Off-street parking availability
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Sacramento?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com does all of that work for you. Just enter your ZIP code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer coverage in Sacramento.
Sacramento Insurance FAQs
What factors affect car insurance quotes in Sacramento?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Sacramento different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Sacramento?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Sacramento?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Sacramento or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?