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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $35 | $418 | Aspire Advantage | 40 | August 12, 2024 | Sacramento, CA | 95833 |
| $37 | $449 | Aspire Advantage | 51 | December 13, 2024 | Sacramento, CA | 95833 |
| $38 | $459 | Aspire Advantage | 43 | November 15, 2024 | Sacramento, CA | 95833 |
| $41 | $487 | Aspire Advantage | 29 | December 10, 2024 | Sacramento, CA | 95834 |
| $42 | $499 | National General | 50 | October 24, 2024 | Sacramento, CA | 95838 |
| $42 | $505 | National General | 37 | September 22, 2024 | Sacramento, CA | 95833 |
| $43 | $517 | Aspire Advantage | 50 | October 3, 2024 | Sacramento, CA | 95833 |
| $43 | $521 | Aspire Advantage | 51 | December 16, 2024 | Sacramento, CA | 95834 |
| $43 | $522 | Progressive | 35 | December 3, 2024 | Sacramento, CA | 95841 |
| $44 | $526 | Aspire Advantage | 28 | August 29, 2024 | Sacramento, CA | 95834 |
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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $46 | $556 | Progressive | 35 | January 7, 2025 | Sacramento, CA | 95818 |
| $55 | $666 | Progressive | 55 | May 29, 2025 | Sacramento, CA | 95838 |
| $60 | $716 | Progressive | 52 | February 10, 2025 | Sacramento, CA | 95819 |
| $62 | $744 | Progressive | 29 | May 10, 2025 | Sacramento, CA | 95826 |
| $68 | $812 | Progressive | 52 | January 3, 2025 | Sacramento, CA | 95819 |
| $76 | $912 | National General | 44 | October 21, 2024 | Sacramento, CA | 94203 |
| $86 | $1,028 | Progressive | 29 | February 2, 2025 | Sacramento, CA | 95828 |
| $87 | $1,042 | Progressive | 46 | June 5, 2025 | Sacramento, CA | 95827 |
| $87 | $1,048 | Progressive | 28 | September 23, 2024 | Sacramento, CA | 95816 |
| $87 | $1,048 | Mercury | 48 | April 13, 2025 | Sacramento, CA | 95824 |
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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $41 | $487 | Aspire Advantage | 29 | No | December 10, 2024 | Sacramento, CA | 95834 |
| $44 | $526 | Aspire Advantage | 28 | No | August 29, 2024 | Sacramento, CA | 95834 |
| $47 | $560 | Aspire Advantage | 27 | No | May 31, 2025 | Sacramento, CA | 95833 |
| $49 | $584 | Aspire Advantage | 28 | No | January 5, 2025 | Sacramento, CA | 95834 |
| $50 | $598 | Aspire Advantage | 29 | No | June 9, 2025 | Sacramento, CA | 95833 |
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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $31 | $376 | Aspire Advantage | 40 | No | June 14, 2025 | Sacramento, CA | 95834 |
| $34 | $406 | Aspire Advantage | 45 | No | April 23, 2025 | Sacramento, CA | 95833 |
| $35 | $418 | Aspire Advantage | 40 | No | August 12, 2024 | Sacramento, CA | 95833 |
| $35 | $422 | Progressive | 32 | No | June 30, 2025 | Sacramento, CA | 95814 |
| $36 | $438 | Progressive | 33 | No | March 23, 2025 | Sacramento, CA | 95816 |
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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $32 | $387 | Aspire Advantage | 66 | No | February 5, 2025 | Sacramento, CA | 95834 |
| $35 | $416 | Progressive | 60 | No | July 1, 2025 | Sacramento, CA | 95817 |
| $38 | $462 | Progressive | 55 | No | April 15, 2025 | Sacramento, CA | 95825 |
| $40 | $478 | Mercury | 55 | No | May 31, 2025 | Sacramento, CA | 95864 |
| $45 | $544 | Aspire Advantage | 64 | No | January 11, 2025 | Sacramento, CA | 95828 |
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 Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $32 | $387 | Aspire Advantage | 66 | February 5, 2025 | No | Sacramento, CA | 95834 |
| $35 | $416 | Progressive | 60 | July 1, 2025 | No | Sacramento, CA | 95817 |
| $35 | $418 | Aspire Advantage | 40 | August 12, 2024 | No | Sacramento, CA | 95833 |
| $37 | $449 | Aspire Advantage | 51 | December 13, 2024 | No | Sacramento, CA | 95833 |
| $38 | $455 | National General | 33 | April 10, 2025 | No | Sacramento, CA | 95833 |
| $38 | $462 | Progressive | 55 | April 15, 2025 | No | Sacramento, CA | 95825 |
| $39 | $465 | Aspire Advantage | 31 | May 12, 2025 | No | Sacramento, CA | 95834 |
| $39 | $472 | Aspire Advantage | 38 | June 24, 2025 | No | Sacramento, CA | 95834 |
| $40 | $478 | Mercury | 55 | May 31, 2025 | No | Sacramento, CA | 95864 |
| $40 | $483 | Aspire Advantage | 32 | June 14, 2025 | No | Sacramento, CA | 95831 |
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 With Injury | $36 | $438 | Progressive | 33 | No | March 23, 2025 | Sacramento, CA | 95816 |
| At Fault With Injury | $38 | $459 | Aspire Advantage | 43 | No | November 15, 2024 | Sacramento, CA | 95833 |
| At Fault With Injury | $41 | $496 | Progressive | 50 | No | June 30, 2025 | Sacramento, CA | 95811 |
| At Fault With No Injury | $46 | $550 | National General | 69 | No | July 11, 2024 | Sacramento, CA | 95838 |
| At Fault With Injury | $47 | $566 | Progressive | 55 | No | March 16, 2025 | Sacramento, CA | 95817 |
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 Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $42 | $499 | National General | 50 | October 24, 2024 | Sacramento, CA | 95838 |
| Speeding over 15 | $49 | $584 | Progressive | 41 | July 1, 2025 | Sacramento, CA | 95841 |
| Speeding under 15 | $50 | $599 | Aspire Advantage | 33 | February 9, 2025 | Sacramento, CA | 95827 |
| Speeding under 15 | $53 | $640 | Aspire Advantage | 38 | March 6, 2025 | Sacramento, CA | 95833 |
| Speeding under 15 | $54 | $648 | National General | 32 | February 7, 2025 | Sacramento, CA | 95834 |
Cheapest car insurance for drivers with DUIs in Sacramento
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $46 | $552 | Aspire Advantage | 40 | March 12, 2025 | Sacramento, CA | 95834 |
| DUI | $53 | $639 | National General | 36 | October 4, 2024 | Sacramento, CA | 95827 |
| DUI | $54 | $650 | Progressive | 30 | December 15, 2024 | Sacramento, CA | 95811 |
| DUI | $61 | $728 | Aspire Advantage | 32 | December 17, 2024 | Sacramento, CA | 95827 |
| DUI | $62 | $743 | National General | 34 | February 12, 2025 | Sacramento, CA | 95820 |
More: What is a DUI?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within 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.
