Finding cheap car insurance is tough enough, and figuring out which company offers the lowest-priced auto insurance rates for inexperienced drivers involves a bit more work.
Every insurance provider has a proprietary formula for determining rates, so we need to take a look at the lowest cost auto insurance companies in Sacramento. It’s a good idea to know that Sacramento auto insurance rates are determined by lots of factors that can increase the price of coverage. This is why it is important to perform a complete rate comparison when trying to get affordable auto insurance rates for inexperienced drivers. Rates are calculated by many risk factors and can increase or decrease at any time, so the best company the last time you checked may now not even be in the top five.
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USAA quotes some of the most affordable car insurance rates in Sacramento at around $1,109 each year. Wawanesa, CSAA, Nationwide, and Century National would also be considered some of the more affordable Sacramento, CA car insurance companies.
In the above example, if you currently have coverage with Nationwide and switched to USAA, you could earn an annual premium reduction of upwards of $104. Customers with Century National may save as much as $105 a year, and 21st Century policyholders might lower prices by up to $229 a year.
To find cheaper insurance rates for your vehicle, click here to get a free quote or visit several of the following companies.
These rates are averaged for all drivers and vehicles in California and are not factoring in an exact zip code location for inexperienced drivers. So the insurer that fits your needs best may not even be in the list above. That affirms the importance of why you need to get rate quotes from many companies using your own individual information.
One of the many components that are looked at to determine the annual cost of car insurance is where you live. More densely populated places tend to have more expensive auto insurance rates, whereas areas with less crime or weather claims have the luxury of lower rates.
The following table sorts the priciest cities in California for inexperienced drivers in which to purchase auto insurance. Sacramento is ranked at #5 with an annual rate of $1,703 for coverage, which is approximately $142 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,142 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,738 |
| 5 | Sacramento | $1,703 |
| 6 | San Bernardino | $1,644 |
| 7 | Long Beach | $1,626 |
| 8 | Santa Clarita | $1,595 |
| 9 | Stockton | $1,588 |
| 10 | Riverside | $1,542 |
| 11 | Fontana | $1,519 |
| 12 | Garden Grove | $1,508 |
| 13 | Moreno Valley | $1,491 |
| 14 | Modesto | $1,487 |
| 15 | Fresno | $1,472 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,430 |
| 18 | Bakersfield | $1,394 |
| 19 | Irvine | $1,384 |
| 20 | San Jose | $1,381 |
| 21 | Huntington Beach | $1,374 |
| 22 | Oxnard | $1,358 |
| 23 | Chula Vista | $1,350 |
| 24 | Fremont | $1,348 |
| 25 | San Diego | $1,340 |
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Premium costs are approximated as the vehicle garaging location can decrease or increase insurance rates noticeably.
The vehicle that needs insurance is probably the biggest factor when quoting the lowest-priced auto insurance for inexperienced drivers. Vehicles with average performance, modern passenger safety features, or a positive history of liability claims will cost less to insure than high performance models. The information below features auto insurance rates for some of the most budget-friendly automobiles to insure in California.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford F-150 XLT Regular Cab 2WD | $1,439 |
| Honda CR-V LX 4WD | $1,502 |
| Toyota RAV4 Sport 4WD | $1,548 |
| Honda Accord LX-P 4-Dr Sedan | $1,608 |
| Honda Odyssey EX-L | $1,629 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,635 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,629 |
| Toyota Prius | $1,660 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $1,668 |
| GMC Sierra SL Crew Cab 4WD | $1,660 |
| Chevrolet Equinox LTZ AWD | $1,670 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,681 |
| Ford F-350 XL Crew Cab Cabela Package 2WD | $1,689 |
| Dodge Ram Quad Cab ST 4WD | $1,691 |
| Ford Escape Limited 4WD | $1,748 |
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Table data does not factor in Sacramento, CA location which can alter auto insurance rates greatly.
Looking at the data, we can presume that models like the Ford F-150, Honda CR-V, Toyota RAV4, and Honda Accord should be the most economical vehicles to insure for new drivers.
Rate increases following a ticket or accident
The obvious way to get low auto insurance premiums in California for new drivers is to be an attentive driver and avoid accidents and traffic violations. The diagram below shows how traffic citations and at-fault claims impact insurance prices for different insured age categories. The premiums assume a single female driver, full coverage, $250 deductibles, and no policy discounts are applied.
In the example above, the average cost of an auto insurance policy in California per year with no accidents and a clean driving record is $2,935. Add in two speeding tickets and the average cost swells to $3,944, an increase of $1,009 each year. Then throw in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for inexperienced drivers goes up to an average of $7,702. That’s an increase of $4,767, or $397 per month, just for not being attentive to the road!
Discounts on Sacramento auto insurance rates
Car insurance companies that sell policies for inexperienced drivers may additionally offer special discounts that may potentially lower prices by as much as 40% or more if you meet eligibility requirements. Popular auto insurance companies and a summarized list of policyholder discounts can be found below.
- Farm Bureau offers premium reductions for youthful driver, multi-vehicle, renewal discount, 55 and retired, good student, and driver training.
- MetLife may include discounts for defensive driver, good driver, multi-policy, good student, accident-free, and claim-free.
- Progressive may offer discounts for homeowner, online signing, good student, online quote discount, multi-policy, and continuous coverage.
- AAA offers discounts for AAA membership discount, education and occupation, multi-car, pay-in-full, good driver, good student, and multi-policy.
- American Family discounts include defensive driver, mySafetyValet, good student, Steer into Savings, and good driver.
- GEICO may have discounts that include air bags, driver training, seat belt use, anti-theft, five-year accident-free, and defensive driver.
- State Farm policyholders can earn discounts including driver’s education, student away at school, anti-theft, good driver, defensive driving training, and passive restraint.
The example below compares yearly insurance costs with and without discounts. The costs are based on a male driver, no accidents, no driving violations, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with safe-driver, multiple vehicle, vehicle safety, claim-free, anti-theft, and defensive driving course discounts applied. When discounts are applied, theamount saved on auto insurance for inexperienced drivers is 28% or $777.
How to find the cheapest car insurance for inexperienced drivers
The list below shows some of the better penny-pinching suggestions that can help drivers quote lower-cost coverage.
- Maintain a safe distance and avoid accidents
- Get cheaper liability coverage by choosing a safer vehicle
- Higher credit ratings may save you money
- Higher deductibles save money
- Violations and traffic tickets increase rates
- Shop around and save
The last idea is notably significant, as we noted in the article above. Rates go up and down frequently, so drivers shouldn’t be reluctant to buy from a different company if you find a better deal.
Brand loyalty is not necessarily bad, but it’s not recommended if that inflexibility results in costing you a wad of cash every year. It only take a few minutes to compare prices and find cheaper car insurance for inexperienced drivers in Sacramento.
The Sacramento auto insurance agencies shown below can most likely help you decide which coverages are best, as some drivers aren’t sure which coverage they need and prefer to get some professional input when trying to find lower insurance rates for new drivers. It’s not always easy to find the best policy yourself, and getting professional guidance from a licensed agent can provide peace of mind knowing you have sufficient coverage at claim time. To find an auto insurance agency close to you, click the button after the list.
Barbara Etrick – State Farm Insurance Agent
6332 Florin Rd – Sacramento, CA 95823 – (916) 822-5110
Thrive Insurance Agency
1353 Fulton Ave – Sacramento, CA 95825 – (916) 339-6490
Trevor Fong – State Farm Insurance Agent
7485 Rush River Dr #715 – Sacramento, CA 95831 – (916) 392-1240
Allstate Insurance: John Chandler
900 Jefferson Blvd #110 – West Sacramento, CA 95691 – (916) 374-1600
Nationwide Insurance: Wellco Insurance Agency Inc
6905 Stockton Blvd Ste 230 – Sacramento, CA 95823 – (916) 399-8113