Car Insurance in Sacramento, California
Estimated full coverage in Sacramento runs about $1,575 a year ($131/month) — ▲ +1% versus the California average, ranking 56th most expensive of the 77 California cities we cover.
Why car insurance in Sacramento costs more than the California average
Insurers price by territory, and Sacramento's numbers explain most of the gap. With 535,798 residents on 98.6 square miles, the city's density (5,432 people per square mile) is 2.4 times the density where the typical California resident lives (2,278). The average commute is 25.3 minutes (California: 28.7), and 64% of workers drive alone. Together these put our location factor at 1.02× the state baseline for liability and collision, and 0.97× for comprehensive once FEMA weather risk for Sacramento County is included.
| Factor | Sacramento | California ref. | Why it matters |
|---|---|---|---|
| Population density | 5,432 / sq mi | 2,278 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 25.3 min | 28.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 6.4% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 64.0% | — | Share of workers commuting by car. |
| Public transit to work | 1.8% | — | Transit use lowers how much residents drive. |
| Work from home | 19.7% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 8.4% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 45.1 | 64.0 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Sacramento
Rates can change from one ZIP code to the next. Across 18 Sacramento ZIP codes, our full-coverage estimate ranges from $1,490 in 95819 to $1,645 in 95824. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 95823 | 83,607 | 7,284 | 27.2 min | 8.7% | $1,620 | +3% |
| 95822 | 46,569 | 5,545 | 26.2 min | 7.1% | $1,590 | +1% |
| 95831 | 43,545 | 6,225 | 26.2 min | 4.9% | $1,595 | +1% |
| 95833 | 42,265 | 5,224 | 25.4 min | 4.2% | $1,575 | 0% |
| 95835 | 42,004 | 4,731 | 26.9 min | 3.6% | $1,585 | +1% |
| 95838 | 40,677 | 4,419 | 25.2 min | 6.3% | $1,555 | −1% |
| 95826 | 40,165 | 3,811 | 25.3 min | 5.3% | $1,545 | −2% |
| 95834 | 36,245 | 3,638 | 24.5 min | 5.2% | $1,535 | −3% |
| 95820 | 35,410 | 6,723 | 25.1 min | 6.7% | $1,590 | +1% |
| 95824 | 33,083 | 8,296 | 28.1 min | 12.0% | $1,645 | +4% |
| 95815 | 26,658 | 3,483 | 24.6 min | 10.7% | $1,530 | −3% |
| 95818 | 22,581 | 5,852 | 24.5 min | 6.8% | $1,570 | 0% |
| 95819 | 19,737 | 5,473 | 18.5 min | 5.3% | $1,490 | −5% |
| 95816 | 19,225 | 7,045 | 19.7 min | 14.0% | $1,525 | −3% |
| 95817 | 14,219 | 6,278 | 19.8 min | 12.5% | $1,515 | −4% |
| 95832 | 12,850 | 1,545 | 32.1 min | 6.8% | $1,560 | −1% |
| 95814 | 12,355 | 8,850 | 25.4 min | 40.3% | $1,615 | +3% |
| 95811 | 8,810 | 3,804 | 21.9 min | 15.1% | $1,505 | −4% |
Minimum car insurance in Sacramento
Sacramento drivers follow California's rules: at least 30/60/15 liability coverage. California is at-fault (tort). We estimate state-minimum coverage in Sacramento at $580 a year, and $810 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $15,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — California does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must offer uninsured motorist bodily injury and property damage coverage; declining it requires a signed waiver. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage is offered with uninsured motorist coverage and can be waived in writing. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Income-eligible good drivers can meet the law through the California Low Cost Automobile Insurance Program at lower limits of 10/20/3.
Minimums were raised recently from 15/30/5.
Risk factors that shape Sacramento premiums
Accidents
California recorded 3,876 traffic deaths, or 1.19 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
California's vehicle theft rate is 317 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Sacramento County as relatively low for hail, relatively high for inland flooding and very low for strong wind.
Traffic & commuting
6.4% of Sacramento commuters spend an hour or more getting to work, and there are 1.75 vehicles per household. 19.7% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 53.9 | Comprehensive (car); roof claims (home) | |
| Tornado | 65.0 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 99.0 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 0.0 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 7.6 | Comprehensive; dwelling | |
| Winter weather | 6.6 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Sacramento by driver profile
A clean-record driver in their 50s pays the least in our Sacramento model (about $1,450 for full coverage); an 18-year-old on their own policy pays about $4,330, and a DUI pushes a 30-something to $2,915.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,600 | $2,235 | $4,330 | $361 |
| Young adult (22) | $930 | $1,300 | $2,520 | $210 |
| Adult in their 30s | $580 | $810 | $1,575 | $131 |
| Adult in their 50s | $535 | $745 | $1,450 | $121 |
| Senior (72) | $650 | $910 | $1,765 | $147 |
| 30s, one at-fault accident | $845 | $1,175 | $2,285 | $190 |
| 30s, DUI on record | $1,075 | $1,500 | $2,915 | $243 |
Minimum vs. standard vs. full coverage in Sacramento
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $580 | $49 | $480–$685 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $810 | $68 | $665–$960 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,575 | $131 | $1,290–$1,860 |
Estimate your premium in Sacramento
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Cheap car insurance in Sacramento: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Sacramento's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $105 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $110 | You're among the 19.7% of Sacramento workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $420 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $765 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $345 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Sacramento
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 69 offices listed below.
- Check complaint records with the California Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Sacramento, our estimates differ by up to $155 a year between neighborhoods.
Car insurance agents near Sacramento, CA
We found 69 insurance offices within about 8 miles of central Sacramento, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Maryam Bahrami - Farmers Insurance
3112 O St, Sacramento, CA 95816 -
Rich Williams - State Farm
1001 26th St, Sacramento, CA 95816 -
Thomas M George - Farmers Insurance
2420 K St, Sacramento, CA 95816 -
Wendy Ann Mazzoni - Farmers Insurance
720 Alhambra Blvd, Sacramento, CA 95816 -
Asher Miroslav Styrsky - Farmers Insurance
3031 F St, Sacramento, CA 95816 -
Christina Li-Ling Lam - Farmers Insurance
2215 16th St, Sacramento, CA 95818 -
Jeff Becker - Allstate
4765 J St, Sacramento, CA 95819 -
Jason Armstrong - State Farm
1510 X Street, Sacramento, CA 95818 -
Freeway Insurance
4603 Broadway, #B, Sacramento, CA 95820 -
Miguel Sanchez - Allstate
906 G St, Sacramento, CA 95814 -
State Farm - Sacramento - Mike Hendricks
5644 Folsom Boulevard, Sacramento, CA 95819 -
Amit Anand Sudh - Farmers Insurance
555 Capitol Mall, Sacramento, CA 95814 -
Michael Yee - State Farm
455 University Avenue, Suite 270, Sacramento, CA 95825 -
Freeway Insurance
4623 Freeport Blvd, Sacramento, CA 95822 -
Wally Navarrette - State Farm
4030 S Land Park Drive, Suite D, Sacramento, CA 95822 -
Naren K Mehta - Farmers Insurance
1651 Response Rd, Ste 350, Sacramento, CA 95815 -
AAA Insurance
CA -
Daniel Duran - Farmers Insurance
1851 Heritage Ln, Sacramento, CA 95815 -
Utopia Insurance Services, Inc.
CA -
Ana Nunez - Allstate
5681 Franklin Blvd, Ste L, Sacramento, CA 95824 -
Juan Ramon Romo - Farmers Insurance
1329 Howe Ave, Sacramento, CA 95825 -
Freeway Insurance
5219 Fruitridge Rd, Sacramento, CA 95820 -
Yeh Chen Ferguson - State Farm
7273 14th Avenue, #100, Sacramento, CA 95820 -
Baja Insurance
CA -
Jin Huan Li - Farmers Insurance
1740 Frtrdge Rd, Sacramento, CA 95822 -
Baja Insurance
CA -
Freeway Insurance
2270 Arden Way, Sacramento, CA 95825 -
Thep Simaly - Allstate
5870 S Land Park Dr, Sacramento, CA 95822 -
Fred Loya Insurance
3291 Truxel Road, Sacramento, CA 95833 -
Brian Clark - State Farm
2331 El Camino Ave, Sacramento, CA 95821 -
Darryl Fong - State Farm
8489 Folsom Blvd, Sacramento, CA 95826 -
Cristi Beth Jenkins Rodda - Farmers Insurance
6360 Belleau Wood Ln, Sacramento, CA 95822 -
Luis Beltran - Allstate
2151 Fulton Ave, Ste 150, Sacramento, CA 95825 -
Acceptance Auto Insurance
CA -
Timothy Aust - State Farm
3426 American River Dr, Ste D, Sacramento, CA 95864 -
Matt Radmacher - Allstate
3465 American River Dr, Ste A, Sacramento, CA 95864 -
Yunping Hu - Farmers Insurance
3461 Fair Oaks Blvd, Sacramento, CA 95864 -
Jonathan Wesley Brewer - Farmers Insurance
6700 Freeport Blvd, Sacramento, CA 95822 -
Jonathan Edward Kline - Farmers Insurance
3600 American Riv Dr, Sacramento, CA 95864 -
Baja Insurance Services, Inc.
4399 Florin Road, #2, Sacramento, CA 95823
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Sacramento
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,175 | −25% |
| Subaru Outback | Wagon | $1,155 | −27% |
| Tesla Model 3 | Midsize car | $1,715 | +9% |
| Subaru Forester | Small SUV | $1,130 | −28% |
| Honda Civic | Compact car | $1,825 | +16% |
| Toyota Corolla | Compact car | $1,690 | +7% |
| Jeep Wrangler | Midsize SUV | $1,305 | −17% |
| Mazda CX-5 | Small SUV | $1,335 | −15% |
| MINI Cooper | Subcompact car | $1,195 | −24% |
| Tesla Model Y | Midsize SUV | $1,540 | −2% |
More car insurance topics in Sacramento
Car insurance in nearby California cities
- Elk Grove $1,635/yr · 11 mi
- Roseville $1,570/yr · 16 mi
- Vacaville $1,580/yr · 31 mi
- Fairfield $1,600/yr · 37 mi
- Stockton $1,670/yr · 42 mi
- Antioch $1,795/yr · 44 mi
- Concord $1,660/yr · 50 mi
- Vallejo $1,680/yr · 54 mi
- Richmond $1,675/yr · 64 mi
- Berkeley $1,685/yr · 66 mi
- Santa Rosa $1,515/yr · 67 mi
- Oakland $1,680/yr · 69 mi
All California cities and state rules · Homeowners insurance in Sacramento
Frequently asked questions
How much is car insurance in Sacramento, CA?
We estimate full coverage in Sacramento at about $1,575 a year ($131 a month) for a driver in their 30s with a clean record, and about $580 for California's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Sacramento more expensive than the California average?
Our Sacramento estimate is 1% higher than the statewide figure. The model reflects a population density of 5,432 people per square mile (the typical California resident lives at about 2,278) and an average commute of 25.3 minutes versus 28.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Sacramento?
Drivers in Sacramento follow California law: at least 30/60/15 liability coverage.
Which ZIP code in Sacramento has the cheapest car insurance?
Among Sacramento's 18 ZIP codes, 95819 has the lowest estimate (about $1,490 a year for full coverage) and 95824 the highest (about $1,645), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Sacramento?
An 18-year-old with their own full-coverage policy would pay around $4,330 a year in Sacramento by our estimate ($1,600 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Sacramento?
Yes. FEMA's National Risk Index rates Sacramento County for inland (river) flooding (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Sacramento?
We list 69 insurance offices in and around Sacramento, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- California DMV: Auto Insurance Requirements
- California Department of Insurance: Automobile Insurance guide
- California DMV: Financial Responsibility (Insurance)
- California Department of Insurance: Compare Insurance Premiums
- California Department of Insurance: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Sacramento and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places