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Last updated: October 28, 2025Best Cheap Car Insurance in Sacramento
GEICO has the cheapest average rates in Sacramento with full coverage at $1,486 and minimum coverage at $464.
Cheapest
Editor's Rating:4.2/5
Average Cost in Sacramento
- Full Coverage Monthly: $124
- Minimum Coverage Monthly: $39
Best for Military and Veterans
Editor's Rating:5/5
Average Cost in Sacramento
- Full Coverage Monthly: $139
- Minimum Coverage Monthly: $47
Best for Discounts
Editor's Rating:4.7/5
Average Cost in Sacramento
- Full Coverage Monthly: $153
- Minimum Coverage Monthly: $51
Key Takeaways
- GEICO, USAA, and Progressive have the cheapest average rates in Sacramento for both full coverage and minimum coverage auto insurance.
- Sacramento auto insurance averages $699 for minimum coverage and $2,142 for full coverage, 5 to 13 percent higher than statewide averages for California.
- Your cheapest car insurance rates will vary. Shop for insurance that fits your individual needs based on your vehicle, coverages, deductibles, driving record, and more.
Our Top Picks for the Best Cheap Auto Insurance in Sacramento
- Cheapestv: GEICO
- Best for Military and Veterans: USAA
- Best for Discounts: Progressive
- Best for Local Agents: State Farm
- Best for Customer Satisfaction: AAA
Compare the Best Cheap Auto Insurance in Sacramento
| Company | Full coverage annual average | Minimum coverage annual average | California customer satisfaction (J.D. Power) |
|---|---|---|---|
| GEICO | $1,486 | $464 | Above average |
| USAA | $1,667 | $568 | Above average |
| Progressive | $1,835 | $616 | Above average |
| State Farm | $2,312 | $766 | Above average |
| AAA | Data unavailable | Data unavailable | Above average |
| Sacramento | $2,142 | $699 | – |
Detailed List of the Best Cheap Providers in Sacramento
1. Cheapestv - GEICO
What We Like Most:
- Cheapest Sacramento rates
- Strong digital tools
- Discounts for federal employees
Why we chose it
GEICO had the cheapest rates for full coverage and minimum liability coverage in our analysis of Sacramento auto insurance — and that’s not a surprise. GEICO’s rates came in well below average in our California guide and nationwide rates as well. Although its rates are consistently among the cheapest, GEICO also managed to score well above average on the J.D. Power customer satisfaction survey in California.
Who it’s best for
GEICO offers cheap rates and great online tools but with less emphasis on personalized service from local agents. It has a full range of discounts for active or retired federal employees and military members, good drivers, and policyholders who insure multiple cars. If you’re financing or leasing your car and want gap insurance, be forewarned that GEICO doesn’t offer gap coverage, so you would have to purchase it elsewhere.
GEICO Sacramento Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $124 | $39 |
| Annually | $1,486 | $464 |
| Difference from Sacramento average | -31% | -34% |
2. Best for Military and Veterans - USAA
What We Like Most:
- Military-specific coverage
- Cheap rates overall
- Good for families with teens
Why we chose it
USAA offers cheap rates and chart-topping customer service for military service members, veterans, and their families. USAA consistently outscores competitors on J.D. Power’s customer satisfaction and claims satisfaction studies by a wide margin, even though USAA’s membership model makes it ineligible for official ranking. USAA’s rates were among the cheapest in California, even for households with teen drivers and members with bad credit.
Who it’s best for
USAA exclusively serves the military community, including active duty service members, veterans, and their families. If you’re eligible, USAA offers cheap rates and outstanding service on auto insurance, as well as a range of financial services that includes auto loans at great rates.
USAA Sacramento Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $139 | $47 |
| Annually | $1,667 | $568 |
| Difference from Sacramento average | -22% | -19% |
3. Best for Discounts - Progressive
What We Like Most:
- Wide range of discounts
- Good for safe drivers
- Offers rideshare coverage
Why we chose it
Progressive’s full coverage and minimum coverage rates were both solidly cheaper than the Sacramento averages, with an above average California satisfaction score from J.D. Power. Progressive offers a wide range of discounts, including Snapshot, a program that uses telematics to track your driving habits and reward you for good driving.
Who it’s best for
In our national analysis, Progressive had great rates for drivers with good driving records and for drivers with DUIs. With customer and claims satisfaction ratings in the midrange, Progressive’s service isn’t a standout but is solid. For drivers who need it, Progressive also offers rideshare coverage.
Sacramento Pricing
| Progressive | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $153 | $51 |
| Annually | $1,835 | $616 |
| Difference from Sacramento average | -14% | -12% |
4. Best for Local Agents - State Farm
Why we chose it
Although State Farm didn’t have the cheapest insurance rates in Sacramento, it did score an above-average 635 on the J.D. Power California customer satisfaction survey. State Farm’s network of local agents provides personalized help, whether you need a quote that fits your unique insurance needs or guidance with a claim.
Who it’s best for
State Farm is best for Sacramento drivers who don’t mind paying a little more for personalized and reliable customer service. State Farm also offers good student discounts and student away at school discounts, making it a smart choice for families with college-aged drivers.
Sacramento Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $193 | $64 |
| Annually | $2,312 | $766 |
| Difference from Sacramento average | +8% | +10% |
5. Best for Customer Satisfaction - AAA
What We Like Most:
- #1 for Customer Satisfaction in California
- Comprehensive roadside assistance
- DMV services available at AAA branches
Why we chose it
Sacramento drivers have multiple options for AAA auto insurance, including CSAA, AAA of Northern California, and AAA of Southern California (which received top marks from J.D. Power). AAA wins an honorable mention for its excellent claims and customer service, as well as a host of membership services that include best-in-class roadside assistance, discounts on auto repairs, and some DMV services, like car registration and driver’s license renewals. Although Sacramento pricing data is unavailable, AAA does offer lower-than-average rates for full coverage in California.
Who it’s best for
AAA is a solid choice for Sacramento drivers who value top-notch customer service and dependable roadside assistance. It also offers a wide array of stackable discounts, including mluti-policy, multi-car, good driver, and loyalty discounts for long-term members.
Sacramento Best Cheap Picks – Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – California1 | CRASH Network Report Card2 | J.D. Power Claims Satisfaction3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| GEICO | 644 | C- | 697 | 1.95 |
| USAA | 748 | D+ | 741 | 2.74 |
| Progressive | 638 | C | 673 | 2.51 |
| State Farm | 635 | C- | 716 | 2.13 |
| AAA | 676 | B (Auto Club of Southern Calif.)
B- (CSAA) | 726 (Auto Club of Southern Calif.)
720 (CSAA) | NA |
| Average | 631 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
*USAA technically doesn’t qualify to rank on J.D. Power studies due to its eligibility restrictions.
Cheapest Full Coverage Car Insurance in Sacramento
GEICO has the cheapest average full coverage auto insurance rates in Sacramento, more than 30 percent cheaper than the citywide average. USAA, Progressive, and Mercury also have full coverage average rates below the citywide average.
What’s the difference?
Learn more about full coverage vs. minimum coverage.
Cheapest Minimum Coverage Car Insurance in Sacramento
GEICO again had the cheapest average rates for minimum liability coverage in Sacramento at $39 monthly — 33 percent less than the Sacramento average. USAA and Progressive Farm also had lower-than-average rates.
| Company | Annual Sacramento Average | Monthly Sacramento Average |
|---|---|---|
| GEICO | $464 | $39 |
| USAA | $568 | $47 |
| Progressive | $616 | $51 |
| Mercury | $691 | $58 |
| State Farm | $766 | $64 |
| Allstate | $949 | $79 |
| Sacramento average | $699 | $58 |
| California average | $669 | $56 |
| U.S. average | $635 | $53 |
How many car accidents happen in Sacramento?
Buckle up: Between 2022 and 2024, Sacramento County averaged 11,457 injury or fatality crashes, with 3,553 occurring within the city of Sacramento.5 Sacramento ranked eighth in the nation among cities with the highest rates of DUI-related fatalities,6 and it had the most car crash fatalities by population of any large city in California: 14.7 deaths per 100,000 people.7
Drive safely on these seven roads: These seven roads had the highest incidence of fatalities in Sacramento based on National Highway Traffic Safety Administration data from 2020 to 2022.8
- Highway 5
- Fruitridge Road
- Highway 50
- Highway 99 and Power Inn Road (tie)
- Capital City Freeway (Business 80 Road connecting Highways 50 and 99 with Interstate 80)
- Florin Road
When you’re driving in Sacramento, choose your route carefully, pay attention to the road, and make sure your auto insurance coverage is up to speed. You may want to increase your liability coverages or add collision and comprehensive to help ensure you’re covered in the event of a crash.
Minimum Auto Insurance Requirements in California
As of January, 2025, all California drivers must carry minimum coverage with the following liability limits:
- $30,000 for bodily injury or death per person
- $60,000 for bodily injury or death per accident
- $15,000 for property damage per accident.9
Learn more:
Check out our guide to what your insurance should cover.
Frequently Asked Questions
Who has the cheapest auto insurance in Sacramento?
GEICO has the cheapest auto insurance in Sacramento for both minimum coverage and full coverage auto insurance. Minimum coverage with GEICO costs an average of $39 per month, with full coverage averaging $124. In our analysis, USAA, Progressive, and Mercury also come in under the Sacramento average costs of $2,142 for a year of full coverage and $699 annually for minimum coverage. State Farm may also have cheap rates, depending on your driver profile.
Why is Sacramento car insurance so expensive?
Many factors contribute to higher car insurance rates in Sacramento. In 2025, California’s minimum liability limits increased significantly, raising the price of minimum coverage statewide. Repair costs are also up in California, due to inflation and the popularity of cars with high-tech features that are expensive to fix. As a typical mid-sized city, Sacramento has its share of traffic congestion, accidents, thefts, and the threat of natural disasters like wildfires, all of which help to increase rates.
How can I get the cheapest rate on insurance in Sacramento?
The best way to find the cheapest coverage for you is to get at least three quotes. That way, you can compare pricing on the insurance you need from providers you trust. Your rate for car insurance in Sacramento will depend on a variety of factors, including your age, driving record, ZIP code, vehicle, coverages, deductibles, and more.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average premiums for full and minimum coverage in Sacramento, California for good drivers with good credit. Full coverage averages use the following limits:
- Bodily injury liability: $50,000 per person/$100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): A good claims handling process from an auto insurer is prompt, transparent, and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
- Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
- Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.
Read more about our ratings and methodology.
Writer
Gayle has written several articles for AutoInsurance.com, including guides to cheap auto insurance in Atlanta and Sacramento. Her work has appeared on various personal finance, banking and business sites, including (most frequently) the consumer blog for Experian. She’s also written for a number of magazines, including Entrepreneur, Independent Business, Fit Pregnancy, Men’s Fitness and Shape.
Citations
It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyInsurer Report Card – Top Rated U.S. Car Insurance Companies for 2025. CRASH Network. (2025).
https://www.crashnetwork.com/irc/Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2025).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmSWITRS Summary – TIMS. UC Berkeley SafeTREC. (2025).
https://tims.berkeley.edu/summary.phpBest and Worst Places to Drive. SellMax. (2025).
https://sellmax.com/best-and-worst-places-to-drive/Traffic & Transportation: Sacramento’s Big Challenge with Accidents. The Sacramento Bee. (2025).
https://www.sacbee.com/news/local/transportation/article289714394.htmlTraffic & Transportation: Sacramento’s Big Challenge with Accidents. The Sacramento Bee. (2025).
https://www.sacbee.com/news/local/transportation/article289714394.htmlNew Year Means New Changes for Insurance. California Department of Insurance. (2025).
https://www.insurance.ca.gov/0400-news/0102-alerts/2025/New-Year-Means-New-Changes-for-Insurance.cfm
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