The Best Cheap Car Insurance in Sacramento, CA for 2022 | MoneyGeek.com

On average, progressive is the cheapest insurer in Sacramento for full coverage and liability insurance, while esurance is the cheapest for drivers with excess tickets. of speed in your history. Military and their families qualify for usaa policies, and they’re also among the cheapest in town. Regardless, Moneygeek chose aaa as the best auto insurance company in town for excellent service and affordability.

The following two companies offer, on average, the most affordable full coverage insurance policies in Sacramento:

Reading: Cheap car insurance in sacramento ca

  • progressive: $1038 per year
  • insurance: $1136 per year

Only the military and their families are eligible for usaa policies, which average $1,218 per year.

Progressive’s average insurance quote is the cheapest in town, costing nearly 71% less than the comparable average rate from Travelers, Sacramento’s most expensive insurer. A full coverage insurance policy has a mix of coverages, including comprehensive and collision coverage. however, prices vary based on the number of liability coverage limits you select.

cheapest auto insurance in sacramento

moneygeek used average rates for a 40-year-old male driver with a full coverage insurance policy for this study. A comprehensive coverage policy contains the following two policies, in addition to liability insurance, and is more expensive than an exclusive liability policy.

  • collision coverage: this insurance protects your car from damage caused by a collision with another vehicle or object.
  • coverage a Comprehensive: Comprehensive coverage protects your vehicle from non-collision damage, such as weather damage and theft.

If the cost of a full coverage auto insurance policy exceeds the value of the car, especially if the car is older, state minimum insurance or liability insurance may be a better option.

See also: What to do after a car accident | AA Insurance

The cheapest insurance in Sacramento also provides the minimum level of protection needed. The following insurance companies offer, on average, the most affordable minimum liability insurance in town:

  • progressive: $442 per year
  • csaa: $497 per year

If you come from a military family, the average US rate. uu. $506 is another low-cost alternative.

Progressive’s policy costs $392 less per year than Hartford’s, which averages $834 for a similar policy. Due to lower coverage limits, minimum coverage policies are less expensive. however, you will be underinsured if you cause a car accident and do not have comprehensive and collision coverage. As seen in the table below, increases in liability limitations affect insurance rates.

cheapest minimum liability auto insurance in sacramento

California drivers must have a minimum of 15/30/5 liability auto insurance. Although this is the cheapest insurance in Sacramento, it also offers the least protection. for example, you will have more financial obligations if you are at fault in an accident.

For example, if you cause an accident and the damage to the other driver’s property costs $15,000, your liability insurance will only reimburse you $5,000 for your losses. you will have to pay $10,000 out of pocket from him.

If you are cited for speeding or driving under the influence (DUI), your Sacramento car insurance premiums will increase. The following list details the lowest insurance policies in the city after some of the most common traffic violations:

  • cheaper after ticket: insurance, $1,442 per year
  • cheaper after at-fault accident: insurance, $1,791 per year
  • cheaper after dui: mercury, $2469 per year

See also: Can I sue my auto insurance company? | AutoInsurance.org

It is possible to improve your driving record and reduce your insurance prices, regardless of the violation. shop around for the best insurance rates after getting a traffic ticket or being involved in an accident.

cheapest auto insurance in sacramento with a violation

To determine auto insurance quotes in Sacramento, providers consider a number of things. These aspects include your age and gender, driving experience, miles driven per year, and more. In Sacramento, state farm policies for 18-year-olds cost almost twice as much as policies for 40-year-olds. drivers should get an individualized quote at regular intervals to increase their chances of finding affordable coverage.

By analyzing the average rates, customer satisfaction, and claim ratings of various insurers, MoneyGeek determined the best auto insurance companies in Sacramento, California. the top rated providers in sacramento are:

  • aaa: moneygeek score of 91 out of 100
  • progressive: moneygeek score of 83.2 out of 100

USAA received a Moneygeek score of 85 out of 100, making it the second best car insurance company in Sacramento for military-affiliated drivers. we exclude it from our overall rankings as its policies are only available to eligible active and retired military and their families.

Auto insurance rates also vary by region. Zip codes with a high number of car accidents, car thefts, and uninsured motorists will increase your auto insurance costs. In Sacramento, the 95831 neighborhood is the cheapest for auto insurance: You’ll pay almost $300 less in annual premiums here compared to the most expensive zip code, which is the 95828 neighborhood.

methodology and assumptions

moneygeek gathered premiums and information from j.d. power, am best and the naic to list insurance companies in sacramento as follows:

See also: The Best Cheap Car Insurance in Waco for 2022 | MoneyGeek | MoneyGeek.com

  • affordability (70%)
  • customer satisfaction (10%)
  • claims (10%)
  • financial stability (10%)