Car Insurance in Sacramento County: How to Pick the Right One

Driving in Sacramento involves several risks, ranging from minor collisions to more serious incidents. Car Insurance in Sacramento County offers financial security against these unforeseen events by paying for liability claims and repair expenses. More than basic coverage may be required.

When choosing car insurance in Sacramento County, many factors must be considered, including your age and driving record, speeding tickets, accidents, DUIs, and the numerous alternatives offered by different insurers.

The best option for residents is comprehensive insurance, which covers more than crashes. Comprehensive insurance guarantees complete protection in areas vulnerable to vehicle theft, vandalism, and erratic weather patterns. Additionally, it provides complete peace of mind for drivers on Sacramento County’s roads by protecting them from expensive medical expenditures resulting from accidents.

Best 10 Options for Cheap Car Insurance In Sacramento  

When it comes to comprehensive auto insurance coverage, drivers require more than what the majority of basic insurance companies supply. Comprehensive coverage is required for several reasons, including medical costs, uninsured or underinsured driver protection, and coverage for accidents regardless of responsibility. And all of this while staying within the allocated spending limit. 

Thus, here is a list of the top 10 inexpensive auto insurance companies in Sacramento to ensure Sacramento drivers get the best coverage at reasonable costs.

Beem

Beem is a go-to resource for individuals seeking affordable car insurance without compromising quality coverage. With a commitment to providing personalized quotes from leading insurance providers, Beem offers a convenient platform for users to compare rates within minutes, ensuring they secure the best possible deal. Beem has a solid user base of over 5 million trusted customers who have relied on its various features for secure money transfers, bill payments, and budgeting tools.

Beem provides its users with the best-in-market quotes and top-notch features regarding car insurance. To ensure that it consistently delivers the best quotes in the market, Beem has partnered with several reputable insurance companies. Leveraging these partnerships, Beem delivers tailored solutions for individual needs. 

By accessing Beem’s one-stop comparison platform, drivers can unlock significant savings of up to $1000 annually, thanks to exclusive discounts and rewards for safe driving behavior. From comprehensive coverage options to hassle-free comparisons, Beem remains a trusted ally for those looking to secure reliable car insurance at competitive rates.

Mercury

Mercury Insurance provides a range of car insurance options comparable to those of other insurers, encompassing liability, collision, comprehensive, personal injury protection, and underinsured motorist coverage. Operating across 11 states, Mercury extends its services to include home, renters, condo, business, and umbrella insurance policies. While the company offers a well-rated mobile app and includes mechanical breakdown coverage for post-warranty repairs, customers may find limited customization options and lower satisfaction ratings. Additionally, policies must be purchased through an agent rather than online.

Allstate

Allstate is a trusted insurance provider offering a comprehensive selection of coverage options. While its rates may slightly exceed budget insurers, Allstate remains competitive. Despite occasional criticism for lowballing settlement offers, the company boasts strong customer service ratings. Prospective policyholders benefit from a wide array of full coverage options, numerous discounts for safe drivers and students, and access to two usage-based services. 

However, Allstate’s premiums are higher than those of some competitors, and its mobile app ratings are average at best.

Progressive

Progressive, a stalwart in the insurance industry since 1937, ranks as the third-largest auto insurer in the U.S. market today. While the company offers lower-than-average rates for drivers with poor credit or a DUI on their record, it presents higher rates on average for teen drivers. 

Also, it could perform better on customer loyalty rankings. However, despite this, Progressive stands out for its diverse selection of discounts that caters to a wide range of policyholders.

State Farm

State Farm is renowned for its affordable annual rates across various driver profiles. It also earns accolades for exceptional customer loyalty, recommendations, and overall service, which makes it stand out in the industry. 

While customers praise its service, State Farm needs to improve its satisfaction with policy discounts. Notably, rates for drivers with poor credit tend to be higher than those of some competitors. Despite this, State Farm’s commitment to customer satisfaction and competitive premiums cements its status as a leading choice for car insurance coverage.

Farmers

With nearly a century of experience in the insurance sector, Farmers Insurance has built a strong reputation for its commitment to customer satisfaction. Initially an auto insurer catering to farmers, the California-based company now offers the public a diverse range of insurance products. 

While customers praise Farmers for its exemplary customer service and efficient claims resolution, the insurer faces limitations such as the unavailability of new policies in Florida as of July 2023 and slightly higher average annual premiums than competitors. Despite these drawbacks, Farmers Insurance remains a trusted choice for reliable coverage.

Mile Auto

Mile Auto revolutionizes car insurance with its innovative pay-per-mile model, offering straightforward and transparent coverage tailored to low-mileage drivers. With potential savings of 30-40% off standard rates, Mile Auto ensures drivers who clock fewer than 10,000 miles annually aren’t overpaying for insurance. 

By charging only for the miles driven and prioritizing privacy, Mile Auto provides peace of mind without invasive tracking devices. Snap a photo of your odometer once a month, enjoy the savings, and rest assured, knowing that fairness, transparency, and exceptional customer service are at the core of Mile Auto’s ethos.

Sun Coast

Sun Coast stands out in car insurance by prioritizing personalized service and customer satisfaction. With a rich history dating back to 1980, Sun Coast has earned the trust of over 550,000 customers and boasts a network of over 3,500 independent agents across multiple states. Their commitment to simplicity and savings is evident in their easy-to-use online portals, which focus on providing coverage tailored to individual needs without unnecessary extras.

Sun Coast offers many discounts and partners with financially stable insurance companies, delivering excellent value and ensuring policyholders’ peace of mind.

Clearcover

Clearcover revolutionizes the car insurance landscape with its next-generation approach, offering speed, simplicity, and affordability. With an intuitive app interface, policyholders can easily find the right coverage, file claims instantly, and quickly access assistance.

Clearcover’s unique offering is that AI technology enables swift claims processing, with eligible claims often paid in minutes. Plus, the app’s Help Center and friendly Customer Advocates ensure continuous support at users’ fingertips. Switching to Clearcover is seamless, even mid-term, and filing claims is as simple as snapping a few photos and answering questions — all from the convenience of your smartphone.

GEICO

GEICO is a top choice for budget-conscious drivers, offering some of the most competitive car insurance rates. With annual costs averaging $461 for minimum coverage and $1,596 for full coverage, GEICO provides excellent value for good drivers and those seeking comprehensive protection. Backed by an A++ financial strength rating from AM Best and an A+ rating from the Better Business Bureau, GEICO offers high policy limits and a usage-based insurance discount. 

While its mobile app garners high ratings, GEICO’s claims satisfaction scores are average, and it may only sometimes be an affordable option for individuals with poor credit or recent accidents. Additionally, the company operates with fewer local agents compared to some competitors.

Types of Car Insurance in Sacramento County

Types of car insurance in Sacramento encompass various essential coverage options to protect drivers and their vehicles on the road. Each type is vital in ensuring financial security and legal compliance, from liability and uninsured motorist coverage to comprehensive and personal injury protection.

Liability coverage

Liability coverage is a cornerstone of car insurance policies, encompassing two primary types: bodily injury liability and property damage liability. Bodily injury liability insurance covers medical expenses, legal fees, and lost wages for individuals injured or killed in accidents where the insured driver is at fault. On the other hand, property damage liability covers repairing or replacing vehicles or other property damaged in accidents. 

Both liability coverage forms are essential components of a comprehensive car insurance policy, providing financial protection against potential lawsuits and ensuring responsible drivers fulfill their legal obligations on the road.

Uninsured and underinsured motorist coverage

Uninsured and underinsured motorist coverage is a crucial safeguard for drivers facing accidents with uninsured or inadequately insured individuals. Uninsured motorist coverage covers medical expenses, lost wages, and other damages incurred by the insured party in accidents caused by uninsured drivers. Similarly, underinsured motorist coverage provides additional protection when the at-fault driver’s insurance limits are insufficient to cover the full extent of damages. 

These types of coverage offer peace of mind to responsible drivers, ensuring they are not left financially vulnerable due to others’ lack of insurance or inadequate coverage.

Comprehensive coverage

Comprehensive coverage is a cornerstone of comprehensive car insurance policies, protecting against various non-collision-related incidents. This type of coverage typically includes damages caused by theft, vandalism, fire, natural disasters, and animal collisions. It goes beyond basic liability coverage, providing financial security for the insured vehicle regardless of fault. 

Comprehensive coverage ensures policyholders are safeguarded against unforeseen circumstances that could result in costly repairs or replacements. By incorporating comprehensive coverage into their insurance policies, drivers can mitigate the financial risks associated with a diverse array of potential hazards on the road.

Collision coverage

Collision coverage is a fundamental component of comprehensive car insurance policies. It offers protection for damages resulting from collisions with other vehicles or objects, regardless of fault. This type of coverage ensures that the insured vehicle’s repair or replacement costs are covered in the event of an accident, providing financial security for the policyholder. 

Collision coverage is crucial for drivers who frequent areas with high traffic or encounter hazardous road conditions. It shields them from the potentially substantial costs of repairing or replacing their vehicle following a collision. Incorporating collision coverage into an insurance policy is essential for comprehensive protection against the myriad risks of driving on today’s roads.

Medical payments coverage

Medical payment coverage, a vital component of car insurance policies, provides financial assistance for medical expenses resulting from injuries sustained in a car accident, irrespective of fault. This coverage extends to the policyholder, passengers, and sometimes even pedestrians involved in the accident. 

Medical payments coverage can help alleviate the burden of medical bills, including hospital stays, surgeries, and rehabilitation services. By securing this type of insurance, drivers ensure they can access necessary medical care without significant financial strain. It serves as a valuable safety net, offering peace of mind and ensuring individuals receive the care they need following an unfortunate accident on the road.

Personal Injury Protection

Personal Injury Protection is a crucial facet of car insurance policies, designed to protect individuals against financial losses from injuries sustained in car accidents. This coverage typically encompasses medical expenses, lost wages, and other related costs incurred by the policyholder and passengers. Unlike liability coverage, which may only cover damages to others, personal injury coverage extends to the insured party and their passengers, regardless of fault. It provides essential financial support during recovery, ensuring individuals can access necessary medical treatment and maintain financial stability following an accident.

Personal injury coverage is a vital consideration for drivers seeking comprehensive protection against the potential consequences of car accidents.

What Is the Average Cost of Car Insurance in Sacramento?

The average cost of car insurance in Sacramento can vary significantly depending on the specific ZIP code in which you reside. Factors such as accident rates and incidents of theft play a pivotal role in determining insurance premiums, contributing to fluctuations even within different neighborhoods of the city.

For instance, residents of the 95823 ZIP code face an average rate of $1,969, while those in 95831 experience a somewhat lower average of $1,669 annually. These disparities underscore the importance of considering location when evaluating car insurance options, as rates may significantly differ based on your neighborhood within the city.

Cheapest Insurance for Drivers in Sacramento 

Finding affordable car insurance in Sacramento varies significantly depending on your age, driving history, and the insurance company you choose. Here’s a breakdown of the cheapest car insurance in California for drivers of different ages:

Cheapest Insurance for 20-Year-Olds in Sacramento  

Finding affordable car insurance can be challenging for young drivers in Sacramento due to their limited driving experience. However, some insurers offer competitive rates for 20-year-olds. According to an analysis, State Farm is the most affordable option for 20-year-olds, with an average rate of $2,065 annually. Other viable options include GEICO, Auto Club of SoCal, and Mercury, offering rates ranging from $2,272 to $2,749 annually.

Cheapest Insurance for 30-Year-Olds in Sacramento  

As drivers gain more experience on the road, insurance rates tend to decrease. For 30-year-olds in Sacramento, GEICO offers the most affordable car insurance, with an average rate of $1,316 per year. Other budget-friendly options include Grange Insurance Association, CIG, and Auto Club of SoCal, with rates ranging from $1,323 to $1,420 annually.

Cheapest Insurance for 40-Year-Olds in Sacramento  

At age 40, drivers typically enjoy relatively low car insurance rates compared to their younger counterparts. GEICO remains the cheapest option for 40-year-olds in Sacramento, with an average rate of $1,316 annually. Other affordable choices include Grange Insurance Association, CIG, and Auto Club of SoCal, offering rates ranging from $1,323 to $1,420 annually.

Cheapest Insurance for 50-Year-Olds in Sacramento  

Drivers in their 50s often benefit from lower insurance premiums due to their extensive driving experience. GEICO continues to offer competitive rates for 50-year-olds in Sacramento, with an average rate of $1,316 annually. Other cost-effective options include Grange Insurance Association, CIG, and Auto Club of SoCal, with rates ranging from $1,323 to $1,420 per year.

Cheapest Insurance for 60-Year-Olds in Sacramento  

By age 60, car insurance rates typically reach their lowest point for drivers with clean records. Among the cheapest options in Sacramento for 60-year-olds, 21st Century stands out with an average rate of $1,148 annually. Other affordable insurers include Auto Club of SoCal, Grange Insurance Association, and CIG, offering rates ranging from $1,170 to $1,227 per year.

Cheapest Insurance for 70-Year-Olds in Sacramento  

While insurance rates may increase slightly for drivers in their 70s, affordable options are still available in Sacramento. 21st Century remains a cost-effective choice for 70-year-olds, with an average rate of $1,148 annually. Other viable options include Auto Club of SoCal, Grange Insurance Association, and CIG, with rates ranging from $1,170 to $1,227 per year.

How Driving Records Affect Sacramento Car Insurance Costs

Driving records significantly influence car insurance costs in Sacramento, with insurance companies adjusting rates based on drivers’ histories of accidents, speeding tickets, or DUIs. Here’s how different driving infractions impact insurance rates in Sacramento:

Cheapest Car Insurance In Sacramento For A Speeding Ticket

Drivers in Sacramento with speeding tickets can still find relatively affordable coverage. Among the options, GEICO stands out as the cheapest insurer, with an average rate of $3,310 annually. However, it’s important to note that having a speeding ticket on your record will typically result in higher premiums compared to drivers with clean records.

Cheapest Car Insurance In Sacramento For An At-Fault Accident

Drivers in Sacramento who have been involved in at-fault accidents can expect to pay higher premiums than those with clean records. However, some insurers offer more competitive rates for drivers with accidents on their records. GEICO and State Farm provide relatively affordable options, with average rates of $2,334 and $2,336, respectively.

Cheapest Car Insurance In Sacramento For A DUI

A DUI conviction can significantly impact insurance premiums, making it challenging for drivers to find affordable coverage. However, some insurers offer more favorable rates for drivers with DUIs. Grange Insurance Association and Mercury provide relatively lower-cost options, with average rates of $2,321 and $2,616, respectively. Nevertheless, drivers with DUIs should expect to pay substantially more for insurance compared to those with clean records.

Maintaining a clean driving record is crucial for securing affordable car insurance rates in Sacramento. While drivers with infractions may face higher premiums, comparing car insurance quotes from different insurers can help find the most competitive rates tailored to individual circumstances.

Conclusion

Car insurance in Sacramento County is much more than just another legal requirement, despite the belief held by many. Instead, it is a financial safety net securing people from unforeseen incidents on and off the road. 

There are many factors to consider when choosing auto insurance coverage, including your age and driving record, speeding tickets, accidents, DUIs, and even the numerous alternatives offered by different insurers. Therefore, you should do your research before looking for auto insurance. Explore Beem to compare and zero in on a car insurance option best suited to you.

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