Sacramento, CA Car Insurance Costs
Full-coverage car insurance in Sacramento runs from $207 a month with GEICO to $406 a month with Allstate in 2026, according to the five-carrier comparison in the rate table below. Sacramento also carries one of the highest vehicle-theft rates of any California metro — roughly 5,000 vehicles were reported stolen citywide in 2025 — and that comprehensive-claim exposure is priced into local premiums. With nearly $200 a month separating the cheapest and priciest full-coverage quotes here, gathering quotes from at least three carriers is the fastest way for a Sacramento driver to cut the bill.
Rates last verified and updated: July 2026.
Sacramento, California, the state’s capital, is a vibrant and culturally rich city that beautifully blends history, politics, and natural beauty. Situated at the confluence of the Sacramento and American Rivers, Sacramento offers a charming mix of urban amenities and outdoor recreational opportunities for drivers. Before you enjoy all what the city has to offer you’ll need auto insurance coverage. We will break down the costs of car insurance for different policy options in CA throughout this guide.
- On average you can expect to pay $102 monthly or $1,223 yearly for state minimum liability coverage and $335 monthly or $4,026 yearly for a full coverage auto policy in Sacramento and West Sacramento.
- InsuranceQuotes rates are pulled from our real-time auto insurance cost database from multiple drivers and quotes – it is based on a used car driver who is single, middle aged and has a clean driving record with no prior violations.
Which Provider Has the Cheapest Auto Insurance in Sacramento, CA?
In Sacramento on average the cheapest auto insurance provider is GEICO and TripleA – AAA. State minimum coverage starts at $52 monthly or $629 a year – Full coverage would cost $207 a month or $2,489 a year. Here is a breakdown of average costs from the cheapest providers for a used car driver who is single, middle aged and has a clean driving record:
| Insurance Provider: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| GEICO | $629 | $52 | $2,489 | $207 |
| AAA | $929 | $77 | $3,987 | $332 |
| State Farm | $1,192 | $99 | $4,024 | $335 |
| Allstate | $1,518 | $126 | $4,877 | $406 |
| Interinsurance Exchange | $1,848 | $154 | $4,755 | $396 |
California Insurance Costs for Different Used Vehicle Types:
To determine how much you can expect to pay for your insurance based on vehicle type we averaged multiple cost quotes in CA and pulled data for used vehicles such as a BMW 4 Series, Chevy Bolt, Honda CRV, Nissan Titan, and a Toyota Camry.
| Vehicle Type: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Luxury Coupe | $899 | $75 | $5,114 | $426 |
| Hybrid Electric | $963 | $80 | $3,688 | $307 |
| SUV | $963 | $80 | $2,983 | $249 |
| Truck | $1,075 | $90 | $4,061 | $338 |
| Car (4door) | $979 | $82 | $3,501 | $292 |
California Insurance Costs for New Cars
We pulled cost data for new 2022-2023 vehicles as well to give you an idea of the difference in rates for newer cars vs. a used vehicle.
| Vehicle Type: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Car (4door) | $980 | $82 | $4,277 | $356 |
| Hybrid Electric | $989 | $82 | $4,567 | $381 |
| Luxury Coupe | $968 | $81 | $6,434 | $536 |
| SUV | $1,018 | $85 | $3,607 | $301 |
| Truck | $1,110 | $93 | $4,885 | $407 |
Car Insurance Requirements in CA
In California cities the minimum coverage for car insurance and liability insurance required is:
- $15,000 for injury/death to one person
- $30,000 for injury/death to more than one person
- $5,000 for damage to property
How Does Age Affect Your Auto Policy Rates in California?
In California, age is a significant factor that influences car insurance costs. Generally, younger drivers tend to face higher insurance premiums compared to older, more experienced drivers. This is primarily because statistics show that younger drivers, particularly teenagers and individuals in their early twenties, are more likely to be involved in accidents due to their limited driving experience and higher risk-taking behavior on the road.
Insurance companies in California consider younger drivers as higher-risk customers, leading to higher premiums to compensate for the increased likelihood of claims. As drivers gain more experience and develop safer driving habits over time, their insurance rates generally decrease.
Here is a breakdown of the average costs for car insurance based on age in California:
| Age: | State Minimum: | Monthly: | Full Coverage: | Monthly Cost: |
|---|---|---|---|---|
| 17 | $2,605 | $217 | $8,215 | $685 |
| 18 | $2,338 | $195 | $7,690 | $641 |
| 20 | $1,645 | $137 | $5,770 | $481 |
| 22 | $1,341 | $112 | $4,817 | $401 |
| 24 | $1,234 | $103 | $4,472 | $373 |
| 29 | $1,044 | $87 | $3,797 | $316 |
| 34 | $1,003 | $84 | $3,652 | $304 |
| 39 | $998 | $83 | $3,579 | $298 |
| 44 | $991 | $83 | $3,517 | $293 |
| 49 | $967 | $81 | $3,421 | $285 |
| 54 | $967 | $81 | $3,384 | $282 |
| 64 | $945 | $79 | $3,189 | $266 |
| 74 | $1,112 | $93 | $3,489 | $291 |
| 76 | $1,201 | $100 | $3,659 | $305 |
Compare Rates from Other CA Cities
In California your auto insurance quote rates will vary depending on which city you live in. Insurance providers often have higher policy rates in heavily populated cities like Los Angeles and cheaper rates for residents in more rural densely populated cities. Here is a breakdown of costs for all cities in California for state minimum and full coverage:
| CA City: | Minimum Liability: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Alhambra | $1,312 | $109 | $5,319 | $443 |
| Anaheim | $1,123 | $94 | $4,603 | $384 |
| Arden-Arcade | $1,174 | $98 | $4,516 | $376 |
| Bakersfield | $982 | $82 | $4,314 | $359 |
| Berkeley | $977 | $81 | $4,200 | $350 |
| Burbank | $1,327 | $111 | $5,301 | $442 |
| Carlsbad | $959 | $80 | $4,076 | $340 |
| Carson | $1,128 | $94 | $4,789 | $399 |
| Casa de Oro-Mount Helix | $974 | $81 | $4,132 | $344 |
| Chico | $887 | $74 | $3,698 | $308 |
Keep comparing: see the full California car insurance rates breakdown, review California home insurance rates if you plan to bundle, or compare auto insurance rates nationwide.
Sacramento drivers pay between $52 and $154 a month for state-minimum liability coverage and between $207 and $406 a month for full coverage in 2026, based on the five carriers surveyed in the rate table on this page. GEICO anchors the low end of both tiers, while Allstate sits at the top for full coverage. Your own quote will move with your ZIP code, driving record, vehicle and chosen limits.
GEICO is the cheapest full-coverage carrier on this page at $207 a month, followed by AAA at $332 and State Farm at $335. Allstate is the most expensive of the five at $406 a month. Rate variation between carriers in Sacramento exceeds $190/month for identical full-coverage protection, which is why a driver who never re-shops can overpay for years without noticing.
Two local pressures show up in Sacramento premiums. The city records one of California’s higher vehicle-theft rates, with roughly 5,000 reported thefts in 2025, which lifts comprehensive costs; and the I-5 and Highway 50 interchange funnels heavy weekday commuter volume through the urban core, raising collision frequency. For contrast, the other-cities table further down this page puts Chico at $308 a month for full coverage against Alhambra at $443.
California sets a statewide floor of $15,000 bodily injury per person, $30,000 per accident and $5,000 property damage, and Sacramento drivers are held to that same 15/30/5 standard. Minimum-limit policies on this page start at $52 a month with GEICO. Those limits are low relative to real repair and medical costs, so many Sacramento drivers add higher liability plus uninsured-motorist coverage.
Start by re-quoting all five carriers listed above, since the gap between the cheapest and most expensive full-coverage option in Sacramento is close to $200 a month. Because vehicle theft drives a meaningful share of local comprehensive claims, an anti-theft device or secured overnight parking can earn a discount here that matters less in lower-theft markets. Bundling auto with a homeowners or renters policy and asking about California’s good-driver discount are the next two levers worth testing.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
