If you’re a driver in Sacramento, California, understanding the average cost of auto insurance is crucial to making informed decisions about your coverage. Whether you’re looking for minimum liability or full coverage, knowing the price range and factors affecting your premium can help you save money.
Average Auto Insurance Costs in Sacramento
Auto insurance rates in Sacramento vary based on coverage type and provider. According to recent data:
- State Minimum Liability Coverage: $102 per month ($1,223 per year)
- Full Coverage (Comprehensive + Collision): $335 per month ($4,026 per year)【10†source】
For those looking for the cheapest options, GEICO offers the lowest rates, with minimum coverage starting at $52 per month ($629 per year) and full coverage at $207 per month ($2,489 per year). Other affordable providers include AAA and State Farm【10†source】.
Factors That Influence Auto Insurance Costs
Several factors affect how much you pay for car insurance in Sacramento:
- Age: Young drivers (16-20) pay significantly higher rates, averaging between $2,886 and $3,945 per year. In contrast, a 40-year-old pays around $1,546 annually, while a 65-year-old pays about $1,493【11†source】.
- Driving Record: A clean driving history results in lower premiums, while violations like speeding tickets, DUIs, or accidents increase costs. High-risk drivers in Sacramento pay an average of $1,188 for minimum coverage and $2,901 for full coverage【11†source】.
- Vehicle Type: Luxury cars and hybrids tend to have higher insurance costs. For example, a luxury coupe’s full coverage averages around $5,114 annually, while a standard sedan costs around $3,501【10†source】.
- Credit Score: Although California bans the use of credit scores in determining auto insurance rates, insurers still consider other risk factors like claim history.
- Location: Sacramento insurance rates are influenced by crime rates, accident statistics, and population density. Heavily populated areas may see higher premiums.
How to Save on Auto Insurance in Sacramento
If you’re looking to lower your premiums, consider these tips:
- Compare Multiple Quotes: Different insurers offer varying rates, so shopping around can help you find the best deal.
- Bundle Insurance Policies: Many companies provide discounts if you bundle auto insurance with home or renters insurance.
- Take Advantage of Discounts: Good driver discounts, multi-car policies, and defensive driving courses can reduce your rate.
- Adjust Coverage Based on Needs: If you drive an older car, you may save money by opting for liability-only coverage instead of full coverage.
- Maintain a Clean Driving Record: Avoiding traffic violations and accidents can significantly lower your insurance costs over time.
Final Thoughts
The cost of auto insurance in Sacramento depends on multiple factors, including your driving history, age, and the type of vehicle you own. By understanding the average costs and taking proactive steps to lower your premium, you can find an affordable policy that meets your needs. If you’re in the market for auto insurance, make sure to compare quotes from top providers to get the best deal.
Need help finding the right auto insurance policy? Contact a trusted independent insurance agent in Sacramento to explore your options and secure the best coverage at the lowest price.