Cheap Car Insurance in Sacramento

Written by Xuyun Zeng and 1 other
Updated Jul 6, 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 $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
Last Updated Jul 7, 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
$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
Last Updated Jul 7, 2025

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
Last Updated Jul 7, 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
$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
Last Updated Jul 7, 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
$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
Last Updated Jul 7, 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
$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
Last Updated Jul 7, 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 $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
Last Updated Jul 7, 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 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
Last Updated Jul 7, 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 $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
Last Updated Jul 7, 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.