Car Insurance Quotes Sacramento

Sacramento drivers can expect to pay around $175 per month for full coverage car insurance, though this figure can fluctuate based on individual circumstances. Several factors influence car insurance rates in Sacramento, and knowing these elements can help drivers find the most affordable coverage while meeting legal requirements

Car insurance costs in Sacramento vary significantly among different providers. with our 2025 data, Wawanesa offers the cheapest rates for full coverage, with an average six-month premium of $572, translating to roughly $95 per month. GEICO follows with a six-month premium of $730, or about $122 per month. Other companies like USAA, Mercury, Progressive, Nationwide, State Farm, and Allstate have higher premiums. Shopping around and comparing quotes from multiple insurers is important for Sacramento drivers seeking the best possible rates.

Sacramento law mandates that all drivers maintain a minimum level of liability insurance. In Sacramento, the minimum required coverage includes $15,000 for injury or death to one person, $30,000 for injury or death to more than one person, and $5,000 for property damage. Drivers must carry proof of insurance at all times and present it to law enforcement upon request. Failure to comply with these requirements can result in fines and other penalties.

Numerous discounts are available to Sacramento drivers to help lower their car insurance premiums. Common discounts include those for good drivers, multi-car policies, anti-theft devices, students, military personnel, and multi-policy bundles. Senior citizens and retirees may also qualify for discounts. Contacting an insurance agent to inquire about specific discounts can lead to significant savings.

Insurers consider various factors when determining car insurance rates in Sacramento. These include age, zip code, education, occupation, and marital status. However, California law prohibits the use of credit scores and gender in calculating premiums. Understanding these factors can help drivers make informed decisions and potentially lower their insurance costs.

Driving without insurance in Sacramento is illegal and carries significant penalties. First-time offenders face fines ranging from $100 to $200, along with potential penalty assessments that can increase the total cost. Repeat offenders within three years may face fines between $200 and $500, with additional assessments. Furthermore, a judge may impound the vehicle. Driving uninsured can also lead to license suspension, especially if involved in an accident

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How much is car insurance per month in Sacramento?

According to our statistics, drivers in Sacramento should budget approximately $175 per month for full coverage car insurance. It’s important to remember that this figure may vary depending on various personal factors.

Sacramento Car Insurance Rates By Company

According to our 2025 data, Wawanesa is the most affordable region provider for comprehensive coverage; thus, drivers in Sacramento can save money on car insurance. With an average monthly premium of $95 or $572 for six-month insurance, Wawanesa leads the competition, followed by GEICO, which charges $122 or $730 for six-month coverage.

Company Avg. 6 Month. Premium
Wawanesa…………………. $572
GEICO………………………..$730
USAA………………………….$857
Mercury………………………$923
Progressive…………………$947
Nationwide…………………$1,125
State Farm………………….$1,154
Allstate………………………$1,234

Legal Requirements to Drive in Sacramento

The Sacramento Department of Motor Vehicles states that the state’s minimal requirements for liability insurance are:

$30,000 for injury or the death of one person
$60,000 for injury or death of more than one person
$15,000 for property damage

These policies guarantee you financial security if you are at fault for an accident that results in harm or property damage to other people. You also have to keep proof of insurance in your car at all times and show it to the police when they ask to see it.

Discounts for Car Insurance in Sacramento

If you’re wondering how to get the best deal on car insurance, you may usually take advantage of any discounts your provider may be offering to save money or receive reduced rates on your policy. These deals could consist of

Good driver discount
Multi-car discount
Anti-theft discount
Student discount
Military discount
Multi-policy discount
Mature, retired, or senior discount

Rates Factors Allowed for Car Insurance in Sacramento

Throughout the United States, insurers use certain criteria to determine your annual car insurance rate. In Sacramento, California, the criteria generally used are:

Age
Zip code
Education and occupation
Marital status

California cannot use the following criteria in calculating your auto insurance premium costs:

Credit score
Gender

What Are The Penalties For Driving Without Insurance in Sacramento?

Auto insurance is not an option in Sacramento, let alone the state of California. Drivers, especially those caught driving without insurance, are required to have the minimum of coverage or face fines. Drivers who are uninsured for the first time face fines ranging from $100 to $200, along with potential further penalties. Second-time offenders within three years of their first crime face fines of up to $200 to $500, with additional consequences possible. for additional information, visit here

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Frank Oduro