Best Sacramento, CA Auto Insurance in 2026 (See the Top 10 Companies Here)

State Farm stands out as the top pick for the best Sacramento, CA auto insurance, offering affordable rates and exceptional customer service. Notable competitors like Allstate and Progressive follow closely behind, both providing competitive pricing and extensive coverage options.

These providers excel in balancing cost, coverage, and customer satisfaction. Discover these top choices to find the perfect auto insurance coverage options for your needs in Sacramento.

Our Top 10 Company Picks: Best Sacramento, CA Auto Insurance

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#1 –State Farm: Top Overall Pick

Pros

• Bundling Discount: Sacramento car owners can get a 17% discount if they bundle home and auto insurance policies, which is very cost-effective.
• Personalized Support: Local agents provide personalized assistance to ensure clients know available coverage. Explore our “State Farm Auto Insurance Review” to see why it’s a top choice.
• Range of Coverage: It depends on the Sacramento driver’s requirements, but it will assure various policies running from liability to fully comprehensive coverage.
• High Customer Rating: State Farm receives a good rating in Sacramento auto insurance concerning customer service and claim settlement.

Cons

• Such Deals Offered Limited Discounts: the potential savings achieved through such deals would often be limited by the limited availability of certain discounts.
• Higher Premiums: Compared with other competitors, vehicle insurance premiums in Sacramento, CA, may be higher for some driver profiles.
• Online Resources: Unlike other automobile insurance companies, online resources and tools are insignificant.

#2 – Allstate: Best for Drivewise Program

Pros

• Drivewise Rewards: Sacramento motorists can enjoy cost savings from premiums with good driving habits courtesy of the Allstate telematics program.
• Package Deals Save Significantly: Sacramento customers can save money by purchasing multiple insurance products from Allstate, such as house and vehicle insurance.
• New Car Discount: Sacramento car owners are entitled to premium discounts in the first few years of ownership, as detailed in our “Allstate Auto Insurance Review.”
• Fewer Thefts: Using anti-theft devices, Sacramento residents who install car alarm systems can reduce their insurance payments.

Cons

• Data may Limit Savings: Drivewise data could limit savings for Sacramento car owners who brake hard or ride fast.
• Accident-Prone Drivers Pay More: Recently, accident-prone drivers in Sacramento will face increased rates.
• Little Benefits for the Part-Time Driver: For Sacramento drivers who have not been on the road lately, usage-based programs may not save them as much for auto insurance.

#3 – Progressive: Best for Budgeting Tools

Pros

• Snapshot Program: Sacramento car owners can also save instantly on their policies by selecting the snapshot telematics program with Progressive.
• Paying Flexibility: Sacramento motorists can repay or change their pay date according to the budget.
• More savings by Multi-Policy: It would be easier to save money if they combined their auto insurance with other products like renters’ or homeowners’ insurance.
• Quote in Advance Discount: Sacramento residents can obtain quotes before their policies’ scheduled renewal dates, which gives them a chance to get an early discount.

Cons

• Very Limited Discounts: The discounts may not be at the same level as those offered by the competitors, making them less cheap for some customers scouting Sacramento drivers.
• Diffuse Support at Local Agent Levels: Progressive may have fewer offices in Sacramento, CA, and those wanting in-person service will find fewer offices.
• Lack of Specialty Coverage: Sacramento drivers seeking classic auto insurance will have fewer options. Discover how more in our “Progressive Auto Insurance Review.”

#4 – Geico: Best for Affordable Rates

Pros

• Competitive Pricing for Drivers of Sacramento Region: Geico offers some of the country’s lowest car insurance prices, especially for safe drivers.
• Meaningful Savings in Combinations of Policies: Sacramento residents can save money by combining their Geico car insurance with renters’ or homeowners’ insurance.
• Military and Government Employee Discount: Sacramento city employees or veterans can save even more on automobile insurance.
• Introduce Safety Feature Discounts: Sacramento auto owners could see their premiums drop, whether it’s a backup camera or an advanced collision warning system.

Cons

• Few Local Offices: Our “Geico Auto Insurance Review” highlights that Geico’s services are only available online or by phone for Sacramento car owners needing in-person support.
• Fewer Choices for Customizable Service: Geico’s options may not be as comprehensive as those of its competitors for Sacramento customers who want completely customized coverage.
• No First-Accident Forgiveness: Geico does not offer accident forgiveness, meaning Sacramento drivers could see increased premiums after a crash.

#5 – Farmers: Best for Customizable Options

Pros

• Flexible Plans: Sacramento residents can change auto insurance depending on the type of policy required.
• Save Money by Covering More Assets: Sacramento residents can save significantly by taking their auto insurance package with home or other coverage.
• Claims-Free Discount: Sacramento, CA drivers who maintain a clean claims record for as long as possible will given premium discounts.
• Discount for Homeowners: Sacramento citizens can receive extra discounts on car insurance. Read our “Farmers Auto Insurance Review” to learn more about this discount.

Cons

• Increased Rates for High-Mileage Drivers: Sacramento’s top auto insurance rates may be higher for drivers who drive a lot yearly.
• Complex Customization Process: Compared to simpler carriers, customers in Sacramento may find that modifying their policy takes more time.
• Fewer Online Tools: Farmers’ online interfaces are likely to be less sophisticated than those of residents who want advanced internet features.

#6 – Nationwide: Best for SmartRide Program

Pros

• SmartRide program for real-time savings: SmartRide telematics program rewards Sacramento’s drivers with real-time monetary savings for safe driving.
• Car Safety Discounts: Sacramento residents driving safer, more recent car models are charged less for auto insurance. Check out our “Nationwide Auto Insurance Review” for the full story.
• Savings by Bundling for All Multiple Policyholders: Combining auto insurance with house or other coverage Nationwide can sometimes lead to big discounts for some clients.
• Safe Driver Discount: Extra benefits to drivers with a clean driving record will provided in Sacramento.

Cons

• Large-scale tracking is necessary for SmartRide: Drivers in Sacramento must consent to regular surveillance of their driving patterns, which some people may find bothersome.
• Fewer Sacramento Agent Locations: Sacramento residents seeking in-person assistance with auto insurance may be unable to access local Nationwide offices.
• Increased Costs for High-Risk Drivers: Sacramento car owners who have had collisions or infractions may face higher insurance costs than other providers.

#7 – Liberty Mutual: Best for Custom Coverage

Pros

• Customized Coverage: Sacramento car drivers allow the provision of policies tailored to specific needs and models.
• Package Offers: Customers in Sacramento, CA, may bring other Liberty Mutual products together and save more money through multi-policies.
• Pay-in-Full Discount: All policy drivers pay in full and receive discounts on Sacramento auto insurance prices.
• Good Student Discount: In Sacramento, CA, students who achieve successful academic performance are in a position to reduce their premium rates.

Cons

• Less Friendly to User Tools: Options for auto insurance coverage in Sacramento are tough to come by with online tools, which are not very user-friendly compared with competitors’ online tools.
• Limited Tech-Based Discounts: Sacramento residents won’t find as many telemetry and app-based discounts on the website as competitors such as Progressive do.
• Fewer Specialty Insurance Options: As detailed in our “Liberty Mutual Auto Insurance Review,” consumers may have limited options for specialized coverage, such as luxury car insurance.

#8 – Travelers: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Sacramento car owners experience their first accident. They drive with financial peace of mind because they have nothing to fear about a price rise.
• Safe Driver Discount: Sacramento residents receive an added incentive through discounts for those with a clean driving record. Explore our article titled “Travelers Auto Insurance Review.”
• Bundled Plan Savings: Travelers discount customers who purchase a home or renter’s and Sacramento auto insurance policies.
• Financial Strength: Sacramento drivers may also rely on Travelers’ financial stability to determine the reliability for confirming that claim payments take place.

Cons

• Not User-Friendly Tools: Car insurance coverage from Sacramento, CA, is hard to find and not very user-friendly compared with the online tools offered by its peers.
• Limited Tech-Based Discounts: Whereas competitors, like Progressive, tout many data and app-based discounts online, Sacramento residents will find fewer.
• Inconsistent Customer Service: Inconsistent customer service provision will affect the overall satisfaction of the car drivers in Sacramento.

#9 – American Family: Best for Personal Service

Pros

• Personal Service from Local Agents: American Family’s agents in Sacramento offer dedicated service to drivers.
• Good Student Discount: Sacramento students can save money by getting good grades. To learn more about how these savings can benefit you, check out our  “American Family Review.”
• Vehicle Safety Features Discount: The car’s safety features may even save the premium Sacramento drivers have to pay.
• Multi-Policy Discounts Save Money: Residents of Sacramento, CA, can save thousands of dollars by covering their car and renters’ or homeowners’ insurance together.

Cons

• Higher Premium for High-Risk Driving: Compared to other providers, Sacramento, CA, residents may have to pay more if they have had previous collisions or infractions.
• Limited Functionalities in the Mobile Application: Sacramento car owners may be unhappy with the American Family’s provision compared to other insurance companies.
• Digital Resources: Drivers in Sacramento can get lost if they use online tools and resources that are not as extensive as those offered by other businesses.

#10 – Safeco: Best for Flexible Payment

Pros

• Flexible Payment Schedules: Drivers in Sacramento can use flexible payment schedules to meet their budgeting needs.
• Paid-in-Full Discount: Sacramento customers pay in advance annually and save that money for the premium due.
• Careful Driver Discount: Any resident of Sacramento who is careful can earn savings.
• Bundling Options for Flexible Policy Savings: Sacramento residents who bundle the auto insurance by Safeco with house insurance will have their savings increased.

Cons

• Higher Charges from Infrequent Filing: For a broader perspective, read “Safeco Auto Insurance Review” to learn how drivers who frequently file claims will charge more.
• Limited Number of Local Agents: Fewer Safeco agents will be accessible to Sacramento residents who may desire face-to-face service.
• Fewer technology-based tracking discounts: Safeco has fewer options for Sacramento drivers interested in telematics or tracking discounts.

Monthly Cost of Sacramento, CA Auto Insurance

If you’ve ever wondered how much Sacramento, CA, car insurance costs, you no longer need to wonder. We found the average cost of auto insurance in Sacramento, CA. Check out the average monthly rates.

Sacramento, CA Average Monthly Auto Insurance Rates vs. California and National Average

The above-quoted rates are for a standard Sacramento, CA driver. Generally speaking, Sacramento car insurance is more expensive than the statewide and national averages. As you’ll find in the quotes below, your actual quote may differ depending on the factors that increase auto insurance premiums. Conting to see how you can save.

Based on our statistics, the average cost of inexpensive Sacramento County, CA car insurance should be around $120 per month. Getting quotes on car insurance in Sacramento, CA, will help you identify the best deals offered by cheap auto insurance companies, which may save your wallet even more.

Cheapest Auto Insurance In Sacramento

Living and driving in California implies that the typical motorist will likely have to pay around $164 monthly to keep their coverage. However, there are cheap Sacramento, CA auto insurance company options out there that can save you some money.

Liberty Mutual, Nationwide, and Allstate provide some of the cheapest car insurance in Sacramento. But they are also providing the best customer support. Can they make good on claims rapidly and efficiently? They are important questions you should ask before considering switching service providers.

Sacramento, CA Report Card: Auto Insurance Premiums

Those who underwrite vehicle insurance plans evaluate various variables when establishing auto insurance rates, including marital status, where you live, your credit report, driving distance to work, and current insurance coverage and limits. On top of that, premiums differ from companies. Major Factors in Cheap Auto Insurance: Sacramento, California

You could feel helpless when one of the Sacramento, California, auto insurance agencies starts your estimate. Most factors agencies go over aren’t things you could easily change. Thankfully, there are still things that you may be able to adjust for increased discounts.

Sacramento Auto Insurance Coverage Options

Among the essential things to know when choosing car insurance providers in Sacramento, CA, are the different auto insurance coverage options a person will offer, including mandatory liability and others like collision, comprehensive, and uninsured motorist coverage.

Each addresses different types of incidents, accidents, theft, etc. People need to know which of these they may want or need for their driving profile and lifestyle.

Sacramento, CA Auto Insurance Monthly Rates by Provider & Coverage Level

It has a liberal car coverage policy in Sacramento, which is comprehensive and has minimum liability coverage. It will help a driver select the appropriate coverage according to his needs. Even the incentive for possible savings accompanies the discount for an excellent driving record and bundling of multi-policy.

However, the average insurance price in Sacramento is $2,665 yearly, above the national average. While perhaps higher in terms of premiums, the proper discounts and coverage can help keep the cost of owning an auto under control.

Online and Digital Processes of Top Insurance Providers

Sacramento, CA, drivers are taking advantage of the online and digital services that Sacramento’s top car insurance providers provide. Most insurers now feature intuitive websites and mobile applications that enable customers to manage their policies effectively.

Monthly rates for car insurance in Sacramento typically range from $85 to $120, depending on coverage options and provider selection. If you’re looking for ways to reduce your costs, consider exploring how to lower your auto insurance premiums for potential savings.

From obtaining quotes to facilitating payments, these digital tools make it easy for customers to communicate with their insurers, and in that sense, the process is less hassle than dealing with hard copies.

In addition, these online interfaces make resources about related topics easily accessible to users, including coverage calculators, FAQs, and live chat support. Therefore, their customer support is much better. It may be very useful, especially to busy individuals who would like to address their insurance issues on the move.

Sacramento Car Insurance Safety Features

Safety features are vital considerations when choosing an auto insurance policy. Many top car insurance providers in Sacramento, CA, offer discounts for cars with advanced safety technologies.

Liability auto insurance is also beneficial because it can be inexpensive for those who want a basic level of coverage and offers all the smart features that come with increased safety.

Some providers have recently introduced a program called telematics and offer telematics programs. Drivers can install devices or apply through mobile applications to track their driving behavior. Safe driving habits may earn one extra premium savings.

Customer Review on Sacramento, CA Car Insurance

Prospective customers should take the time to research and read reviews from current and former policyholders. Websites that aggregate insurance reviews can provide insights into the customer experience and help individuals decide which providers to consider.

Tips to Lower Car Insurance Rates

Most car owners worry about expensive car insurance premiums. Drivers must find ways to lower their coverage costs. One way is to have a clean driving record since driving responsibly often leads to cheaper premiums offered by the best car insurance companies in Sacramento, CA.
Bundling multiple vehicle insurance policies, including home and auto, can also lead to great discounts.

Auto Insurance Discounts From the Top Providers in Sacramento, CA

Sacramento-based insurance companies offer discounts to bring down premium payments across the drivers. In such options, safe driving, multi-policy bundling, and good student discounts mean the average Sacramento resident has more to choose from when finding affordable auto insurance plans to fit their needs.

DUI Laws and Penalties

All Sacramento drivers should be knowledgeable about DUI laws and penalties. DUI convictions carry significant penalties, including hefty fines, license suspensions, and elevated insurance premiums.
Most car insurance providers in Sacramento, CA, understand that a DUI conviction is an extreme risk factor and will charge higher monthly rates or find reasons to cancel coverage altogether. Many times, different companies will offer the same person drastically different rates for car insurance after a DUI. Monthly rates for one provider may start in the low $150 range, while another company may top out over $300 per month!

In order not to face these harsh penalties, local drivers must know their local laws and should consider alternatives that could replace driving if a person has had alcohol. As individuals become informed and cautious, it helps preserve their driving record and have much lower insurance rates. A driver who wants to get coverage at the best available price must be aware of the implications of DUI offenses.

Auto Insurance Rates by ZIP Code

Where you park your vehicle each night can greatly influence your auto insurance premium. Typically, vehicle insurance costs are lower in rural areas because fewer vehicles lead to a decreased likelihood of being involved in an accident with another car. Sacramento has population is 479,686, and the average household income is $48,034.

California Auto Insurance Monthly Rates by City

The table shows the monthly rates for Affordable Sacramento cheap car insurance near your home, making it easier to find budget-friendly options. Additionally, if you are a homeowner, consider homeowners insurance in Sacramento, CA, to protect your assets further.

Automotive Accidents in Sacramento, CA

Given California’s vibrant car culture, it’s no wonder major cities experience many yearly accidents. Consequently, many insurance companies tend to increase rates in regions with higher accident rates. However, if you maintain a relatively clean driving record, you might be eligible to request discounts from auto insurance agents in Sacramento, California.

Fatal Accidents Statistics in Sacramento, CA

According to our table, the monthly rates for various providers in the area reflect competitive options, including the best cheap car insurance in the Sacramento, CA, area with a payment plan. Additionally, it’s interesting to note some fun facts about auto insurance that can help you make informed decisions.

Many drivers wonder, “Is changing auto insurance after an accident a bad idea ?” If a policy is changed post-accident, the only penalty is high premiums. However, this can also reflect better coverage possibilities based on your needs.

Auto Insurance Claim Statistics of Sacramento

Understanding the car insurance claims process in Sacramento might become crucial, especially during these times when the state obligates drivers to have a minimum liability policy. The minimum liability coverage should be $15,000 for car injuries or deaths per person and $30,000 for multiple people affected by the same accident.

Sacramento, CA Auto Accident & Insurance Claim Statistics

At least $5,000 will cover the damages to property resulting from an accident. However, coverage beyond this is always recommended to extend financial security. A claims filing deadline also exists since two years should elapse from the accident date before submitting the documents.

Auto Thefts in Sacramento

Many insurance companies prioritize the issue of auto theft, especially for drivers living in large urban areas. The denser the population, the more you may need to file a claim for auto theft. In Sacramento, there were 2,861 reported stolen vehicles in recent years.

Sacramento, CA Monthly Auto Insurance Rates by Basic and Comprehensive Coverage

The table suggests that the monthly rates for Comprehensive coverage can differ greatly in Sacramento and among providers. It is $120 with Geico, $135 with State Farm, and $150 with Allstate. Additionally, most insurers offer an anti-theft device insurance discount, which can lower your premiums if your vehicle has such safety features.

Finding the best car insurance in Sacramento, CA, is not too late. Get a free quote online in minutes by entering your ZIP code in the comparison tool below and buy Sacramento, CA auto insurance online today.