Whether you’re worried about high water and heavy rain or simply avoiding congestion on Interstates 5 and 80, the right car insurance policy can protect Sacramento drivers and their finances.
To help you shop for car insurance, we’ve gathered quote data from Jerry customers in Sacramento that show how different factors like your location, age, driving history and coverage needs can influence your car insurance rates.
Cheapest minimum coverage insurance in Sacramento
California requires the following minimum car insurance coverages:
- $30,000 per person for bodily injury liability.
- $60,000 for bodily injury per accident for multiple persons injured.
- $15,000 for property damage liability per accident.
These are the cheapest quotes that Sacramento drivers have been quoted for minimum coverage via Jerry.
If you have a loan or lease on your vehicle, the lender will require
More: Get cheap car insurance the smart way, today
Cheapest full coverage insurance in Sacramento
Sacramento drivers can face hazardous weather conditions, including wildfires, earthquakes and mudslides, but the state’s minimum required coverage won’t protect your finances if your car is damaged by a wildfire or mudslide.
Full coverage, which includes collision coverage and comprehensive insurance, pays for damage to your vehicle in an accident, no mater who is at fault, and pays for repairs after weather damage.
Here are the cheapest full coverage quotes that Sacramento drivers have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $70 | $839 | Aspire Advantage | 52 | 09/24/25 | Sacramento, CA | 95833 |
| $76 | $906 | ROOT | 20 | 07/03/25 | Sacramento, CA | 95818 |
| $83 | $1,000 | Aspire Advantage | 34 | 07/27/25 | Sacramento, CA | 95837 |
| $83 | $1,001 | Geico | 39 | 10/04/25 | Sacramento, CA | 95823 |
| $85 | $1,024 | Mercury | 43 | 06/25/25 | Sacramento, CA | 95827 |
| $86 | $1,028 | Mercury | 44 | 06/22/25 | Sacramento, CA | 95834 |
| $87 | $1,040 | Mercury | 50 | 08/22/25 | Sacramento, CA | 95820 |
| $87 | $1,048 | Mercury | 38 | 10/02/25 | Sacramento, CA | 95834 |
| $88 | $1,050 | ROOT | 48 | 05/21/25 | Sacramento, CA | 95826 |
| $90 | $1,076 | Aspire Advantage | 44 | 06/30/25 | Sacramento, CA | 95834 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
More: Best car insurance companies
Cheapest car insurance for young drivers in Sacramento (18-29 years old)
Age is a factor in your car insurance costs, and younger drivers often pay higher rates. You can still find affordable coverage if you're 18 to 29 years old, but you may have to compare quotes from multiple insurers to find the best rate. Here are the cheapest quotes that young Sacramento drivers have received via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $36 | $435 | Aspire Advantage | 26 | No | 08/11/25 | Sacramento, CA | 95833 |
| $41 | $489 | Aspire Advantage | 29 | No | 06/09/25 | Sacramento, CA | 95833 |
| $46 | $557 | Geico | 29 | No | 07/03/25 | Sacramento, CA | 95835 |
| $51 | $611 | National General | 26 | No | 08/22/25 | Sacramento, CA | 95833 |
| $52 | $624 | Progressive | 29 | No | 07/30/25 | Sacramento, CA | 95816 |
| $86 | $1,028 | Mercury | 44 | 06/22/25 | Sacramento, CA | 95834 | |
| $87 | $1,040 | Mercury | 50 | 08/22/25 | Sacramento, CA | 95820 | |
| $87 | $1,048 | Mercury | 38 | 10/02/25 | Sacramento, CA | 95834 | |
| $88 | $1,050 | ROOT | 48 | 05/21/25 | Sacramento, CA | 95826 | |
| $90 | $1,076 | Aspire Advantage | 44 | 06/30/25 | Sacramento, CA | 95834 |
More: Cheapest car insurance in California
Cheapest car insurance for mature drivers in Sacramento (30-54 years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $23 | $277 | Aspire Advantage | 41 | No | 06/27/25 | Sacramento, CA | 95833 |
| $26 | $317 | Geico | 31 | No | 05/06/25 | Sacramento, CA | 95833 |
| $27 | $323 | National General | 37 | No | 05/01/25 | Sacramento, CA | 95835 |
| $34 | $412 | Aspire Advantage | 39 | No | 04/28/25 | Sacramento, CA | 95833 |
| $36 | $427 | Aspire Advantage | 38 | No | 09/05/25 | Sacramento, CA | 95834 |
| $86 | $1,028 | Mercury | 44 | 06/22/25 | Sacramento, CA | 95834 | |
| $87 | $1,040 | Mercury | 50 | 08/22/25 | Sacramento, CA | 95820 | |
| $87 | $1,048 | Mercury | 38 | 10/02/25 | Sacramento, CA | 95834 | |
| $88 | $1,050 | ROOT | 48 | 05/21/25 | Sacramento, CA | 95826 | |
| $90 | $1,076 | Aspire Advantage | 44 | 06/30/25 | Sacramento, CA | 95834 |
More: Best car insurance in California
Cheapest car insurance for older drivers (55+ years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $34 | $412 | Progressive | 75 | No | 05/10/25 | Sacramento, CA | 95816 |
| $48 | $577 | National General | 65 | No | 07/22/25 | Sacramento, CA | 95818 |
| $48 | $580 | Aspire Advantage | 61 | No | 06/28/25 | Sacramento, CA | 95821 |
| $50 | $602 | Aspire Advantage | 57 | No | 05/05/25 | Sacramento, CA | 95824 |
| $51 | $614 | Progressive | 80 | No | 08/07/25 | Sacramento, CA | 95834 |
| $86 | $1,028 | Mercury | 44 | 06/22/25 | Sacramento, CA | 95834 | |
| $87 | $1,040 | Mercury | 50 | 08/22/25 | Sacramento, CA | 95820 | |
| $87 | $1,048 | Mercury | 38 | 10/02/25 | Sacramento, CA | 95834 | |
| $88 | $1,050 | ROOT | 48 | 05/21/25 | Sacramento, CA | 95826 | |
| $90 | $1,076 | Aspire Advantage | 44 | 06/30/25 | Sacramento, CA | 95834 |
More: Best car insurance for seniors
Cheapest car insurance for drivers with clean records in Sacramento
A clean driving record can help ensure you get the most affordable coverage possible. Here are the cheapest rates that Sacramento Jerry customers with spotless driving records have been quoted.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $23 | $277 | Aspire Advantage | 41 | 06/27/25 | No | Sacramento, CA | 95833 |
| $26 | $317 | Geico | 31 | 05/06/25 | No | Sacramento, CA | 95833 |
| $27 | $323 | National General | 37 | 05/01/25 | No | Sacramento, CA | 95835 |
| $34 | $412 | Progressive | 75 | 05/10/25 | No | Sacramento, CA | 95816 |
| $34 | $412 | Aspire Advantage | 39 | 04/28/25 | No | Sacramento, CA | 95833 |
| $36 | $427 | Aspire Advantage | 38 | 09/05/25 | No | Sacramento, CA | 95834 |
| $36 | $435 | Aspire Advantage | 26 | 08/11/25 | No | Sacramento, CA | 95833 |
| $38 | $461 | Aspire Advantage | 36 | 08/22/25 | No | Sacramento, CA | 95832 |
| $41 | $489 | Aspire Advantage | 29 | 06/09/25 | No | Sacramento, CA | 95833 |
| $44 | $533 | National General | 36 | 09/19/25 | No | Sacramento, CA | 95833 |
Cheapest car insurance for drivers with at-fault accidents in Sacramento
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With Injury | $38 | $459 | Aspire Advantage | 43 | No | 11/15/24 | Sacramento, CA | 95833 |
| At Fault With No Injury | $46 | $551 | Aspire Advantage | 37 | No | 10/03/25 | Sacramento, CA | 95831 |
| At Fault With No Injury | $50 | $597 | Aspire Advantage | 27 | No | 07/08/25 | Sacramento, CA | 95833 |
| At Fault With Injury | $54 | $644 | Aspire Advantage | 28 | No | 03/20/25 | Sacramento, CA | 95834 |
| At Fault With Injury | $54 | $654 | Mercury | 70 | No | 09/03/25 | Sacramento, CA | 95815 |
| $36 | $427 | Aspire Advantage | 38 | No | Sacramento, CA | 95834 | ||
| $36 | $435 | Aspire Advantage | 26 | No | Sacramento, CA | 95833 | ||
| $38 | $461 | Aspire Advantage | 36 | No | Sacramento, CA | 95832 | ||
| $41 | $489 | Aspire Advantage | 29 | No | Sacramento, CA | 95833 | ||
| $44 | $533 | National General | 36 | No | Sacramento, CA | 95833 |
More: What is an at-fault accident?
Cheapest car insurance for drivers with speeding tickets in Sacramento
Speeding tickets are likely to raise your premium, but the speed you're going when you're cited is also a factor. Here are the lowest-cost quotes that Sacramento drivers who have been cited for speeding have received via Jerry.
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $56 | $667 | National General | 37 | 07/27/25 | Sacramento, CA | 95833 |
| Speeding under 15 | $57 | $687 | National General | 26 | 07/15/25 | Sacramento, CA | 95834 |
| Speeding under 15 | $60 | $723 | National General | 36 | 06/13/25 | Sacramento, CA | 95821 |
| Speeding under 15 | $61 | $726 | Aspire Advantage | 51 | 09/16/25 | Sacramento, CA | 95828 |
| Speeding under 15 | $66 | $789 | National General | 34 | 09/24/25 | Sacramento, CA | 95834 |
| $36 | $427 | Aspire Advantage | 38 | 09/05/25 | Sacramento, CA | 95834 | |
| $36 | $435 | Aspire Advantage | 26 | 08/11/25 | Sacramento, CA | 95833 | |
| $38 | $461 | Aspire Advantage | 36 | 08/22/25 | Sacramento, CA | 95832 | |
| $41 | $489 | Aspire Advantage | 29 | 06/09/25 | Sacramento, CA | 95833 | |
| $44 | $533 | National General | 36 | 09/19/25 | Sacramento, CA | 95833 |
Cheapest car insurance for drivers with DUIs in Sacramento
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $32 | $385 | Aspire Advantage | 42 | 09/15/25 | Sacramento, CA | 95832 |
| DUI | $53 | $630 | Aspire Advantage | 40 | 09/03/25 | Sacramento, CA | 95864 |
| DUI | $69 | $824 | Progressive | 32 | 04/20/25 | Sacramento, CA | 95823 |
| DUI | $82 | $988 | Dairyland | 41 | 09/20/25 | Sacramento, CA | 95823 |
| DUI | $96 | $1,156 | Aspire Advantage | 38 | 05/11/25 | Sacramento, CA | 95838 |
| $36 | $427 | Aspire Advantage | 38 | 09/05/25 | Sacramento, CA | 95834 | |
| $36 | $435 | Aspire Advantage | 26 | 08/11/25 | Sacramento, CA | 95833 | |
| $38 | $461 | Aspire Advantage | 36 | 08/22/25 | Sacramento, CA | 95832 | |
| $41 | $489 | Aspire Advantage | 29 | 06/09/25 | Sacramento, CA | 95833 | |
| $44 | $533 | National General | 36 | 09/19/25 | Sacramento, CA | 95833 |
More: What is a DUI?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
