One of the more important things that are looked at to help calculate the annual cost of car insurance is where you keep your vehicle. Cities with larger populations tend to have more expensive auto insurance rates, whereas areas with less congestion profit from lower rates.
The next table rates the most expensive places in California for Lyft drivers to purchase auto insurance in. Sacramento comes in at #5 with an annual cost of $1,669 for the average insured, which is about $139 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,142 |
| 3 | San Francisco | $1,693 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,644 |
| 7 | Stockton | $1,603 |
| 8 | Long Beach | $1,578 |
| 9 | Fontana | $1,566 |
| 10 | Santa Clarita | $1,533 |
| 11 | Riverside | $1,527 |
| 12 | Garden Grove | $1,508 |
| 13 | Moreno Valley | $1,491 |
| 14 | Modesto | $1,487 |
| 15 | Anaheim | $1,474 |
| 16 | Fresno | $1,457 |
| 17 | Santa Ana | $1,453 |
| 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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Information shown are comparative as vehicle location can raise or lower prices noticeably.
The make and model of vehicle that needs insurance is probably the largest consideration when comparison shopping for the best auto insurance for Lyft drivers. Vehicles with reasonable performance levels, advanced safety features, or a positive history of liability claims will cost much less to insure than fast, unsafe models. The next list features coverage premiums for a handful of the more affordable vehicles to insure in California.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $1,374 |
| Toyota Prius | $1,489 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,507 |
| Honda Accord EX 4-Dr Sedan | $1,515 |
| Volkswagen Jetta 2.0T Station Wagon | $1,575 |
| Dodge Grand Caravan Hero | $1,593 |
| Ford Escape Limited 4WD | $1,599 |
| Ford Explorer Eddie Bauer 2WD | $1,646 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,679 |
| Nissan Rogue S 2WD | $1,703 |
| Jeep Grand Cherokee Limited 2WD | $1,708 |
| GMC Sierra SLE Regular Cab 4WD | $1,714 |
| Honda Odyssey Touring | $1,708 |
| Ford F-150 XL Regular Cab 4WD | $1,711 |
| GMC Sierra 3500HD SLT Extended Cab 2WD | $1,740 |
| Toyota Tacoma Double Cab 4WD | $1,742 |
| Chevrolet Malibu Hybrid | $1,794 |
| Toyota RAV4 4WD | $1,802 |
| Chevrolet Silverado LTZ Extended Cab 2WD | $1,818 |
| Kia Optima SX | $1,826 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,836 |
| Honda Civic LX 4-Dr Sedan | $1,846 |
| Toyota Camry SE | $1,836 |
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rates do not factor in specific Sacramento, CA garaging location which can lower or raise rates substantially.
Based upon these rates, you can assume that models like the Honda CR-V, Toyota Prius, Jeep Wrangler, Honda Accord, and Volkswagen Jetta are most likely going to be the more affordable vehicles to insure for Lyft vehicles.
How careless driving impacts Sacramento auto insurance rates
The easiest way to maintain affordable auto insurance premiums in Sacramento for Lyft vehicles is to drive safely and avoid accidents and keep your driving record clean. The chart below highlights how speeding tickets and accident claims can impact car insurance rates for each age group. The price estimates are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
In the previous chart, the average cost of a car insurance policy in California per year with no accidents and a clean driving record is $2,679. Get one speeding ticket and the average cost surges to $3,040, an increase of $361 each year. Then include two accidents along with the one speeding ticket and the 12-month cost of auto insurance for Lyft drivers goes up to an average of $6,263. That’s an increase of $3,585, or $299 per month, just for not driving attentively!
Sacramento auto insurance company ratings
Insuring your vehicle with a high-quality car insurance company can be difficult considering how many companies sell coverage in Sacramento. The company rank data in the lists below may help you analyze which car insurance companies to look at when insurance shopping for Lyft drivers. These ratings are for companies who write in the majority of U.S. states, so smaller companies will not be included in this list.
Top 10 Large Auto Insurance Companies in Sacramento Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Top 10 Large Auto Insurance Companies in Sacramento Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
How to get discounts on Sacramento car insurance rates
Car insurance companies that provide coverage for Lyft drivers may have rate discounts that could potentially reduce rates by 30% or more if you meet certain criteria. Popular auto insurance companies and their possible discounts can be read below.
- Progressive offers premium reductions for good student, multi-policy, multi-vehicle, homeowner, and continuous coverage.
- MetLife has discounts for good student, defensive driver, multi-policy, claim-free, accident-free, and good driver.
- Mercury Insurance may include discounts for annual mileage, good student, multi-car, multi-policy, location of vehicle, ease of repair, and good driver.
- Nationwide may offer discounts for anti-theft, business or organization, multi-policy, good student, and defensive driving.
- GEICO includes discounts for seat belt use, driver training, air bags, anti-theft, daytime running lights, federal employee, and emergency military deployment.
- AAA offers discounts for good driver, pay-in-full, anti-theft, multi-car, AAA membership discount, and multi-policy.
The diagram below illustrates the difference between insurance prices with and without discounts applied to the rates. The rates are based on a male driver, no violations or claims, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with accident-free, defensive driving course, vehicle safety, multiple policy, marriage, and anti-theft discounts applied. When these discounts are applied to the policy premium, the average savings per year on auto insurance for Lyft drivers is 28% or $944.