Cheap Car Insurance in Sacramento

Written by Xuyun Zeng and 1 other
Updated Jul 23, 2025
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Cheap Car Insurance in Sacramento

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You’re minutes away from insurance savings.

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 $415 Aspire Advantage 57 August 2, 2024 Sacramento, CA 95834
$35 $418 Aspire Advantage 40 August 12, 2024 Sacramento, CA 95833
$37 $449 Aspire Advantage 51 December 13, 2024 Sacramento, CA 95833
$38 $452 Aspire Advantage 33 December 29, 2024 Sacramento, CA 95834
$38 $459 Aspire Advantage 43 November 15, 2024 Sacramento, CA 95833
$38 $461 Aspire Advantage 40 September 2, 2024 Sacramento, CA 95834
$41 $498 Aspire Advantage 29 December 10, 2024 Sacramento, CA 95834
$42 $499 National General 50 October 24, 2024 Sacramento, CA 95838
$42 $508 Aspire Advantage 32 August 17, 2024 Sacramento, CA 95834
$43 $517 Aspire Advantage 50 October 3, 2024 Sacramento, CA 95833
Last Updated Jul 24, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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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
$77 $921 Aspire Advantage 53 July 17, 2025 Sacramento, CA 95833
$89 $1,074 Aspire Advantage 68 April 9, 2025 Sacramento, CA 95834
$89 $1,074 Aspire Advantage 57 December 11, 2024 Sacramento, CA 95825
$90 $1,075 Aspire Advantage 63 May 29, 2025 Sacramento, CA 95834
$90 $1,076 Bristol West 63 September 9, 2024 Sacramento, CA 95841
$90 $1,082 Aspire Advantage 38 June 24, 2025 Sacramento, CA 95834
$92 $1,110 Progressive 60 July 1, 2025 Sacramento, CA 95817
$99 $1,191 Aspire Advantage 56 October 17, 2024 Sacramento, CA 95834
$99 $1,193 Aspire Advantage 34 June 10, 2025 Sacramento, CA 95834
$100 $1,200 Progressive 31 July 13, 2025 Sacramento, CA 95826
Last Updated Jul 24, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

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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 Policy
City, State
ZIP Code
$41 $494 Aspire Advantage 29 No June 28, 2025 Sacramento, CA 95833
$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 $597 Aspire Advantage 27 No July 8, 2025 Sacramento, CA 95833
Last Updated Jul 24, 2025

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
$35 $418 Aspire Advantage 40 No August 12, 2024 Sacramento, CA 95833
$35 $422 Progressive 32 No June 30, 2025 Sacramento, CA 95814
$37 $449 Aspire Advantage 51 No December 13, 2024 Sacramento, CA 95833
$38 $459 Aspire Advantage 43 No November 15, 2024 Sacramento, CA 95833
Last Updated Jul 24, 2025

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
$36 $435 Aspire Advantage 55 No June 21, 2025 Sacramento, CA 95833
$39 $470 Aspire Advantage 60 No February 24, 2025 Sacramento, CA 95834
$46 $552 Progressive 75 No May 10, 2025 Sacramento, CA 95816
Last Updated Jul 24, 2025

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
$36 $435 Aspire Advantage 55 June 21, 2025 No Sacramento, CA 95833
$37 $449 Aspire Advantage 51 December 13, 2024 No Sacramento, CA 95833
$39 $470 Aspire Advantage 60 February 24, 2025 No Sacramento, CA 95834
$40 $483 Aspire Advantage 32 June 14, 2025 No Sacramento, CA 95831
$41 $491 Aspire Advantage 54 June 17, 2025 No Sacramento, CA 95833
$41 $494 Aspire Advantage 29 June 28, 2025 No Sacramento, CA 95833
$42 $504 Progressive 41 June 27, 2025 No Sacramento, CA 95833
Last Updated Jul 24, 2025

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 $38 $459 Aspire Advantage 43 No November 15, 2024 Sacramento, CA 95833
At Fault With No Injury $50 $597 Aspire Advantage 27 No July 8, 2025 Sacramento, CA 95833
At Fault With Injury $54 $644 Aspire Advantage 28 No March 20, 2025 Sacramento, CA 95834
At Fault With Injury $54 $652 National General 36 No July 3, 2025 Sacramento, CA 95833
At Fault With Injury $55 $659 Aspire Advantage 31 No June 3, 2025 Sacramento, CA 95834
Last Updated Jul 24, 2025

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 under 15 $47 $559 Aspire Advantage 35 July 8, 2025 Sacramento, CA 95833
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 over 15 $55 $659 Aspire Advantage 31 June 3, 2025 Sacramento, CA 95834
Last Updated Jul 24, 2025

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 $61 $728 Aspire Advantage 32 December 17, 2024 Sacramento, CA 95827
DUI $62 $743 National General 34 February 12, 2025 Sacramento, CA 95820
DUI $63 $758 Bristol West 45 March 28, 2024 Sacramento, CA 95828
DUI $66 $792 Aspire Advantage 36 October 26, 2024 Sacramento, CA 95842
DUI $69 $824 National General 52 January 2, 2025 Sacramento, CA 95817
Last Updated Jul 24, 2025

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.

MEET OUR EXPERTS
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Xuyun Zeng

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.

meet-experts-thumbnail
Annie Millerbernd

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.