Best cheap car insurance in Sacramento

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California’s capital, Sacramento, is ranked as the worst city for drivers in 2019. This ranking was based on speeding and traffic citations. Sacramento has a higher chance of being in an accident than the average. Sacramento car insurance is therefore essential.

Due to the higher likelihood of car accidents, premiums for Sacramento car insurance are higher than those in most California. On average, minimum coverage costs $808 per annum and full coverage insurance costs $2,236 per annum. Saving hundreds of dollars a year by finding the lowest priced car insurance in Sacramento can be a great way to save money. The following five companies, ranked by rates and customer satisfaction among other factors, are the best Sacramento car insurance options.

Sacramento’s best car insurance companies

Quadrant Information Services is used by Bankrate to get current premium information from insurance companies in Sacramento. Based on J.D.’s average premiums, the best insurance companies were selected. You can also get discounts and power scores.

Insurance companyJ.D. J.D.
(California)
Minimum coverage: Average annual premiumFor full coverage, the average annual premium
Geico828 / 1,000$537$1,624
GrangeN/A$549$2,130
AAA848 / 1,000$582$2,289
Wawanesa853 / 1,000$666$1,622
Progressive823 / 1,000$705$1,832

Geico

Geico may be a good choice for drivers in Sacramento. Geico offers many discounts to help policyholders make even greater savings. Although their premiums are very low, they also offer a number of other discounts . There are discounts available for military personnel, federal employees, and students. This is combined with Geico’s excellent customer service scores from J.D. Geico may be a great choice for drivers in Sacramento who are power-driven.

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Grange

Grange isn’t as big as other insurance companies, but they still offer low premiums. Grange offers car insurance coverage only in 13 States. They also offer a range of coverage options as well as discounts such the OnTrack Telematics Discount. This allows drivers to get a discount on their premiums if they allow an app track their driving.

AAA

AAA is a membership-based program. To get insurance coverage with the company you must join the club. An annual membership costs between $56 to $119 each year. AAA’s annual minimum coverage premium, even with the annual membership fee is significantly lower than Sacramento’s overall average annual minimal coverage premium. AAA’s roadside service and travel discounts are two of the best features of membership.

Wawanesa

Wawanesa was founded in Canada, but is now a well-known company in California. The 2020 J.D. awards the company first place. Based on the opinions of customers about its billing process and policy information, Power U.S. Auto Insurance Study, California, this study focuses on California’s policy offerings, price, and customer interactions. Wawanesa, besides its high-quality service, is our lowest-priced provider of full coverage auto insurance. Wawanesa is a good option for Sacramento drivers who are looking for full coverage.

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Progressive

Switching to Progressive claims can save drivers an average $750 each year. There are many ways Sacramento drivers can save money on their insurance. The Snapshot Telematics Program, which monitors your driving habits and may qualify you for a discount. There is also a Continuous Insurance Discount, which lowers your premiums for those who have been insured with Progressive before switching to another carrier.

Sacramento has the lowest car insurance

California’s average cost for car insurance is $733 per year for minimum coverage, and $2,065 per year for full coverage. Sacramento has a higher car insurance rate than the average state. The capital’s drivers can expect to pay $808 annually for minimum coverage, and $2,236 annually for full coverage. California and Sacramento drivers pay higher premiums than national average rates, $565 per year for minimum coverage and $1674 for full coverage.

These companies may be worth a look if your goal is to get the best car insurance rates. These companies offer the lowest premiums in Sacramento.

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Insurance companyMinimum coverage: Average annual premiumFor full coverage, the average annual premium
Geico$537$1,624
AAA$582$2,289
Progressive$705$1,832
Mercury$706$1,831
State Farm$725$2,064

Geico and Progressive offer similar products and are well-known for being reliable and affordable. AAA offers car insurance with many features, including roadside assistance. However, a club membership may be required. Mercury is the best choice for simple, low-cost car insurance. State Farm is the best choice if you prefer to meet face-to-face to get customized coverage.

Remember that car insurance covers more than the premium. When shopping for car insurance, you might want to review the company’s coverage, discount options and customer service reviews.

Sacramento insurance requirements

California, like most other states, requires drivers to have at least a minimum level of liability coverage. You must have the following coverage limits on your car insurance policy to drive legally in California:

  • $15,000 per person for bodily injury
  • $30,000 per accident in bodily injury
  • $5,000 for property damage
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Minimum coverage insurance may be the most affordable option. However, it may not provide enough protection in an at-fault collision. It could also leave you with uninsured expenses if you cause more damage than your insurance limits. Insurance experts recommend that you purchase liability coverage with higher limits than what is required by the state.

Your bank may require that you have full coverage insurance if you finance your vehicle using a loan or lease. This includes collision and comprehensive coverages. Even if your vehicle is not financed with a loan or lease you might want to have full coverage to cover any damages to it.

Sacramento car insurance discounts

Sacramento residents pay higher premiums than the average, but there are still ways to lower your auto insurance. These discounts are common in Sacramento:

  • Safety driver: Avoiding accidents, tickets and claims can help you save money on your car insurance.
  • Telematics discounts: Your company may offer a telematics service. You might be able to download a tracking application or plug-in a device that analyzes your driving habits. You may be eligible for a discount based on the information you receive from the program.
  • Multi-policy: You may be able to get your property insurance through the same company you have your auto and home insurance. Bundling multiple insurance products can get you discounts from many companies.
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Every company offers different discounts. Talking to an agent from your insurance company is the best way for you to make sure that you’re taking advantage of all available discounts.

Questions frequently asked

Which is the best auto insurance company?

According to Bankrate’s research Geico, Wawanesa AAA, Progressive, and Grange are the best auto insurance companies in Sacramento. Every driver is unique. It is best to get quotes from multiple insurance companies and then compare them. You can then find the right company to provide the coverage you require at the most affordable price.

What is the cost of Sacramento car insurance?

Sacramento’s average annual car insurance costs are $808 for minimum coverage and $2236 for full coverage. Rates can vary depending on many factors such as your driving record, age, and the type of your car. Your specific rating factors may mean that you pay more or less than average premiums.

What amount of Sacramento car insurance do you need?

You will need minimum liability insurance to legally drive in Sacramento. California law requires that drivers carry $15,000 per person in bodily injuries coverage, $30,000 per accident coverage, and $5,000 per property damage coverage. To better protect yourself, you might consider buying higher liability limits or full coverage. A conversation with an agent can help you determine the right amount of coverage.

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