Skip to main content

Find Cheap Car Insurance in Sacramento, CA

Learn More about Auto Insurance in Sacramento, California

Sacramento, the capital city of California, boasts a rich history that dates back to the Gold Rush era, making it a pivotal city in the state’s early development. It’s known for its diverse community, vibrant arts scene, including theaters and museums, and its parks and recreational areas such as the expansive William Land Park. Located at the confluence of the Sacramento River and the American River in the northern part of California’s Central Valley, Sacramento enjoys a status as the political heart of California, housing the California State Capitol, a neoclassical structure set in lush Capitol Park.

Carrying car insurance in California is a legal requirement for motorists. Acceptance offers vehicle protection at competitive rates, designed to fit drivers with various needs, including those with driving records that aren’t perfect. To delve deeper into auto coverage in the Sacramento area and uncover the best discounts, continue reading.

How Much Does Car Insurance Cost in Sacramento, California?

In Sacramento, the monthly cost for liability auto insurance is approximately $61, which exceeds the national average of $52 by $9 and surpasses California’s average of $53 by $10.

For drivers seeking full auto insurance, the monthly expenditure is around $214. This amount is $24 higher than the average in California, which stands at $190, and approaches the national average of $168 more closely.

What Does it Mean if California Is an At-Fault State?

In California, an ‘at-fault’ state, causing a car accident means you’re responsible for all related expenses, from medical bills to vehicle repairs and even lost wages for the other party involved.

How is fault determined? The fault is determined through an investigation that examines police reports, witness statements, and other evidence. For instance, if you’re distracted by the radio and accidentally side-swipe another vehicle while changing lanes, you would be deemed at fault. As a consequence, you would need to cover the costs for the other driver’s car repairs and any medical treatments resulting from the accident.

This scenario underscores the need for vigilance while driving in California, where the financial repercussions of causing an accident can be hefty and prompt an unwelcome financial burden.

Ready to Get a Quick Quote?

Compare Car Insurance Rates by City in California

To discover what you’d typically pay for car insurance in California’s major cities, refer to the table below:

Scroll for more
City Full Coverage Insurance Liability Insurance Coverage
Sacramento $214 $61
Los Angeles $251 $66
Norwalk $202 $55
Bakersfield $199 $49
Long Beach $217 $58

Compare Car Insurance Rates by Zip Code in Sacramento

Did you know that little number sequence of your zip code plays a significant role in figuring out your car insurance rates? If you’re living in an area that’s a hive of activity with cars zipping around and fender benders happening more often, don’t be surprised if your insurance premiums take a jump. That’s just the way it goes—busy areas mean more risks, and more risks nudge those insurance prices up.

In the table below, you can find out the average costs of car insurance in Sacramento across different zip codes.

Scroll for more
Zip code Full Coverage Insurance Liability Insurance Coverage
95811 $214 $61
95814 $218 $60
95815 $218 $60
95816 $200 $56
95817 $203 $60
95818 $189 $54
95819 $180 $53

Low-Cost Car Insurance Rates by Age in Sacramento

In Sacramento, it’s common for new and young drivers to face higher auto insurance premiums due to their limited driving experience and higher likelihood of accidents associated with their age group.

Please refer to the chart below, which outlines the average monthly auto insurance costs by age group in this city, giving you a clear expectation of potential expenses.

Scroll for more
Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $605 $185
20s $359 $106
30s $214 $61
40s $202 $58
50s $196 $57
60s $190 $56
70s $207 $64

*To calculate average costs, we utilize the following method: a 30-year-old male, with state minimum liability and full coverage of 100/300/100.

Typical Driving Conditions in Sacramento

How Many Accidents Happen Per Year in Sacramento, California?

Based on data from the National Highway Traffic Safety Administration (NHTSA) in their Traffic Safety Facts Annual Reports, traffic-related fatalities in Sacramento are unfortunately on the rise. Back in 2019, there were 70 tragic losses, including 3 pedestrians. Then in 2020, the count was a bit lower at 43 fatalities, with pedestrians making up 4 of those. But, in a concerning turn of events, 2021 saw the numbers jump back up to 70 again, including 4 pedestrians.

With this kind of trend on the horizon, the best bet for your safety and for those you hold dear is to keep your eyes on the road, dodge those driving distractions, and never skimp on your auto insurance coverage.

Are Road Infrastructure and Bridges in Sacramento well maintained?

Sacramento’s streets and road infrastructure are largely in prime condition, thanks to the dedicated efforts of its Department of Public Works. Despite this, there’s an undeniable reality that numerous roads and bridges within the city show their age and are in dire need of reconstruction.

With this in mind, the city is spearheading ambitious projects aimed at enhancing its transportation network for the foreseeable future. A standout among these initiatives is the Broadway Bridge Project, an innovative new bridge slated to span the Sacramento River just downstream from the Pioneer Bridge. This bridge promises to forge a crucial link between South River Road on the western bank and Broadway on the eastern shore. Construction is on track for completion between 2030 and 2035, marking a significant step forward in the city’s infrastructure development.

Minimum Car Insurance Requirements in Sacramento

As a vehicle owner in Sacramento, it’s prudent to familiarize yourself with the state-mandated minimum liability insurance requirements. These regulations are in place to safeguard you against unforeseen incidents on the road.

Now, let’s get to the specifics of what you’ll need for adequate coverage in Sacramento:

  • You should carry no less than $15,000 per person for bodily injury or death liability insurance per accident, with a total minimum of $30,000 per accident.
  • Additionally, you’re required to have a minimum of $5,000 for property damage liability insurance.

It’s wise to maintain at least this level of insurance to ensure you’re responsibly covered while driving.

What Are the Penalties for Driving Without Auto Insurance in Sacramento, California?

Driving in Sacramento without car insurance? That’s not a great idea. The state doesn’t take kindly to that at all, and you could end up with a Class C misdemeanor for not having valid insurance or letting it lapse.

First time getting caught? You’re looking at a fine that could fall anywhere between $100 and $200. And believe me, you really don’t want to do a repeat performance within three years. If you do, the fine spikes to somewhere between $300 and $500. What’s more, local judges have the power to impound your car until you can prove you’re insured, and there’s even a chance your vehicle registration could get suspended.

The best move? Ensure your insurance is up to scratch with the required standards. It’s the smart way to stay on the right side of the law and keep your driving days hassle-free. If you’re unsure or have questions, a chat with your local insurance agent can shed some light on the ins and outs of car insurance policies.

Looking for a Local Office? Find an Office Near You

Factors Considered for Determining Car Insurance Rates in Sacramento

When it comes to what you’re shelling out for car insurance, insurers really get into the weeds with a whole bunch of different criteria to set your rate.

Here’s the lowdown on some key factors that affect your auto insurance rates:

  • Your driving history: If you’ve been in accidents, collected speeding tickets, or ever needed SR-22 insurance, expect to see your rates tick upward.
  • Your car’s specs: Driving a luxury or high-speed vehicle? Brace yourself for higher insurance costs. The pricier or more desirable your ride, the more it costs to insure, thanks to increased repair costs and theft risks.
  • How high you set your deductible: Willing to pay more when trouble strikes? Choosing a higher deductible can lead to lower monthly insurance payments.
  • Your job: Some professions mean more time behind the wheel or more job stress, and insurers might see that as a reason to adjust your rates slightly.
  • Education level: Higher educational achievements can sometimes lead to lower insurance rates, thanks to perceived lower risks.

Understanding these factors can empower you to make informed choices and potentially find ways to save on your coverage. Different insurers might prioritize these factors differently, but being savvy about how they impact your rate can help you navigate your options more clearly.

Here’s What You Need to Know When Driving in California

California is a place of contrasts, especially when it comes to driving conditions. You could be winding your way through the misty terrain near Mendocino in the morning and by lunchtime, be soaking in the dry heat of the Palm Springs area.

When exploring the rugged coastal roads near Big Sur, brace yourself for sharp curves and areas that might be slick with ocean spray. It’s smart to drive cautiously, maintain a moderate speed, and watch for safety signs.

If you plan to drive through arid spots like the Mojave Desert, be prepared for scorching daytime temperatures that plummet as evening falls. Ensure your vehicle is well-maintained with fluids at optimum levels, pack extra water for both cooling the engine and staying hydrated, and check that your AC is functioning well before setting out.

Winter introduces yet another challenge, particularly if you’re headed towards lesser-known snowy retreats like Mt. Shasta or Mammoth Lakes. Roads in these mountain regions can get icy fast following snow. Chains might be necessary, so always monitor the weather updates and prepare to have chains on hand during the cold season. Driving through the San Joaquin Valley in summer? Expect intense heat and occasional thick fog. Slow down, switch on your fog lights, and maintain a safe distance from other cars.

Finally, keep vigilant for wildfire alerts, especially during the drier months. Having a backup plan can help you avoid unexpected roadblocks or detours.

Top Ways to Save on Car Insurance in Sacramento, CA

Concerned about the expense of insuring your vehicle? The formula for reducing your coverage expenses primarily involves safe driving and correcting any previous mistakes on your driving record. Additionally, it’s beneficial to discuss with your insurance agent about potential discount options available for your policy.

Some of the most popular discounts in Sacramento are:

  • Multi-Policy Insurance Discount
  • Good Driver Discount
  • Senior Citizen Auto Insurance Discount
  • Low Mileage Auto Insurance Discount
  • Military Car Insurance Discount
View of Capitol Mall along Lincoln Highway in Sacramento – cheap car insurance in California.

Obtain Your Car Insurance Quote in Sacramento Today!

Discover cheap car insurance in Sacramento with Acceptance Insurance. Imperfect driving record? No problem. Get a quote online, call 877-405-7102 for assistance, or visit our nearby office for excellent service. Let’s ensure fuss-free car coverage today!

Get Started