A question on all of our minds is how much is our Sacramento auto insurance going to be? Especially if you live in beautiful Sacramento. Sometimes beauty comes at a cost and for Sacramentans that cost is traffic. And with traffic comes higher car insurance rates. Sacramento currently ranks #8 out of the top 50 most expensive cities to drive in California. (according to Value Penguin)
| Rank | City | Car insurance quote |
| 1 | Sunnyvale | $1,621 |
| 2 | Concord | $1,659 |
| 3 | Santa Clara | $1,672 |
| 4 | Salinas | $1,685 |
| 5 | Visalia | $1,687 |
| 6 | Roseville | $1,690 |
| 7 | Chula Vista | $1,692 |
| 8 | Fremont | $1,695 |
| 9 | Oceanside | $1,699 |
| 10 | Santa Rosa | $1,704 |
| 11 | Escondido | $1,706 |
| 12 | San Diego | $1,732 |
| 13 | San Jose | $1,765 |
| 14 | Oxnard | $1,778 |
| 15 | Modesto | $1,793 |
| 16 | Orange | $1,798 |
| 17 | Elk Grove | $1,802 |
| 18 | Bakersfield | $1,805 |
| 19 | Fresno | $1,807 |
| 20 | Huntington Beach | $1,812 |
| 21 | Irvine | $1,818 |
| 22 | Thousand Oaks | $1,832 |
| 23 | Corona | $1,845 |
| 24 | Hayward | $1,851 |
| 25 | Simi Valley | $1,860 |
| 26 | Vallejo | $1,871 |
| 27 | Riverside | $1,878 |
| 28 | Fullerton | $1,890 |
| 29 | Rancho Cucamonga | $1,896 |
| 30 | Torrance | $1,898 |
| 31 | Anaheim | $1,911 |
| 32 | Moreno Valley | $1,920 |
| 33 | Santa Clarita | $1,920 |
| 34 | Santa Ana | $1,925 |
| 35 | Stockton | $1,927 |
| 36 | Fontana | $1,945 |
| 37 | Garden Grove | $1,951 |
| 38 | Long Beach | $1,955 |
| 39 | Ontario | $1,963 |
| 40 | Lancaster | $1,971 |
| 41 | Victorville | $1,975 |
| 42 | Pomona | $1,990 |
| 43 | Sacramento | $2,021 |
| 44 | San Bernardino | $2,065 |
| 45 | San Francisco | $2,066 |
| 46 | Oakland | $2,078 |
| 47 | Pasadena | $2,110 |
| 48 | Palmdale | $2,137 |
| 49 | Los Angeles | $2,535 |
| 50 | Glendale | $2,645 |
Cheapest car insurance California
Now if you live in Sacramento California you’re probably thinking, how can I get the best rate? The easiest, most effective way to get the best car insurance rates in Sacramento, is to go through a broker. An insurance broker can shop the rates of all of the top providers and tell you what the best car insurance rates will be for your situation. Obviously my favorite and a favorite among several other Sacramentans is Eugene C Yates Insurance Agency. Not only do they have amazing service which is incredibly evident by the 80+ 5 star reviews, they also have what I believe are the best auto insurance rates in Sacramento California.
Nationwide car insurance Sacramento
It’s simple to prove who has the best rates or which insurance agency can find the best rates, by looking at the insurance companies they carry. According to Value Penguin Nationwide has the lowest rates in Sacramento California. Followed by Century National who was acquired by Nationwide in 2016. One of the major insurance carries provided by Eugene C Yates, just happens to be Nationwide.
| Rank | Car Insurance Company | Average Annual Rate |
| 1 | Nationwide | $912 |
| 2 | Century National | $984 |
| 3 | GEICO | $1,108 |
| 4 | Progressive | $1,391 |
| 5 | Allied | $1,392 |
| 6 | Grange | $1,416 |
| 7 | State Farm | $1,500 |
| 8 | Unitrin | $1,608 |
| 9 | Kemper Specialty | $2,172 |
| 10 | Bristol West | $2,376 |
Cheap car insurance in Sacramento;
Getting a good rate can sometimes be out of our control. We can’t make ourselves any older or younger, and blemishes on our DMV record can be unavoidable at times. To keep your auto insurance rates down, here are some key things to think about when looking into car insurance in Sacramento California;
Age of the driver; How old you are plays a role in what rate you qualify for. Younger people with less driving experience on average receive higher rates. As well as older people with deteriorating vision may receive higher than normal car insurance rates.
Driving record; This one’s pretty obvious. A driver with a clean driving record will receive a lower rate than a driver with a blemished record. Abide by the roadside rules and drive safely at all times. If you have an opportunity to go to traffic school, take it. At a minimum it will show you’re making an effort to improve on any mistake you may or may not have made.
Where you live and park your vehicle; is a determining factor of what your final rates may be. If your neighborhood statistics show a higher than normal amount of break ins or accidents, more than likely you will encounter higher auto insurance rates in Sacramento.
Amount (years) of driving experience; If you are a very experience driver and have been licensed for a long time, you will more than likely get lower rates on your auto insurance.
Auto insurance claims history / record; If you’re filing claims at a higher than normal amount, it will make you more of a risk to insure. Higher risks come with higher car insurance rates Sacramento. Do your best to stay alert while driving to prevent accidents, injury and higher rates, potentially.
Marital status of insured driver; Couples that are married by statistics are lower risks than drivers that are single. Married drivers statistically are less active & safer drivers than single people. The result, lower reports of accidents & claims. The National Institute of Health also noted that single drivers are twice as likely to get into an auto accident than married drivers.
Previous auto insurance coverage; Car insurance companies have statistics that show drivers that have not had a lapse in auto insurance are less likely to get into an accident. Making sure that you have continual car insurance coverage can mean you receive a lower auto insurance rate.
Vehicle type; The type of car you drive plays a major role in the auto insurance rate you receive. If you drive a super car, you can expect super expensive auto insurance rates. The most obvious reasons behind this are the cost of the vehicle is a higher dollar amount to replace, so it will cost more to insure it. If you drive a Lamborghini the level of speeds you can reach and risk are much higher than if you drove a Honda Civic.
How you use your vehicle; If you use your car for work or commute daily your risk to the auto insurance company is higher than if it sits in the garage all day and you only take it out once a week to go to the grocery store.
Annual milage you drive; Drivers that are on the road less, are less risky to insure. If you can somehow shorten your commute, or just drive less in general, there’s a good chance you will be able to take advantage of lower auto insurance rates.
Wrapping up; There are several ways we are in control of our auto insurance rates. With that in mind, drive safe and stay alert when you’re on the road. If you have any additional questions about your auto insurance, give us a call, our agents would love to speak to you 😉 [click here to call now]