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How much is car insurance in Sacramento?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in Sacramento as it does in the rest of California.
Compared to the rest of the country, auto insurance in Sacramento is more affordable. The average monthly payment in Sacramento is about $23 cheaper than the rate for the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Sacramento, you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.
But worry not, we've done the heavy lifting and broken down the average rate for Sacramento to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
It's pretty safe to assume that the older you are, the longer you've been driving. It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates climb back up in Sacramento.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. While female drivers pay slightly less than male drivers on their monthly insurance rates, the difference in Sacramento is only about $2 a month.
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. Drivers in Sacramento with a single accident will pay around $70 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $73.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$57|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Sacramento, with drivers paying around $55 per month to insure their vehicle.
Car owners can expect to pay an average of around $59 a month for their policy, while SUVs usually cost around $56 a month to insure.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is a few years old. The most expensive vehicles to insure in Sacramento are vehicles eight-to-ten years old.
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)||$60|
Generally, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Sacramento can be as much as $7 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$83|
Another factor that comes into play is your housing status. Homeowners in Sacramento can expect to pay around $4 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
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 choosing when and where to shop.
In Sacramento, auto insurance rates declined steadily from 2017-2021. They finished up in 2022, at $56 per month
How does Sacramento compare to neighboring areas?
Why are car insurance rates in Sacramento different from other areas?
There are many factors car insurance companies take into consideration when deciding how much to charge for coverage. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Area regulations
- Amount of drivers in the region
- Road Safety (frequency of local car accidents)
- Crime rates
- Off-street parking accessibility
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Sacramento?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com can handle all of this for you. Just enter your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from the many car insurance companies that offer auto coverage in Sacramento.
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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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Sacramento different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
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?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Sacramento or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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