The car, truck, or SUV that needs insurance is probably the biggest factor when comparing the lowest-priced coverage for welfare recipients. Vehicles with more horsepower, a lack of modern safety features, or a track record of large liability claims will cost much more to insure than more economical and safe models. The data below shows car insurance prices for a handful of the cheapest automobiles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $1,142 |
| Honda CR-V LX 4WD | $1,298 |
| Ford Focus S 4-Dr Sedan | $1,324 |
| Ford Escape Limited 2WD | $1,327 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,337 |
| Chevrolet Equinox LT AWD | $1,351 |
| Toyota RAV4 2WD | $1,360 |
| Ford Fusion S 4-Dr Sedan | $1,351 |
| Hyundai Elantra SE Touring Station Wagon | $1,419 |
| Ford Edge SE 2WD | $1,424 |
| Toyota Camry XLE | $1,422 |
| Toyota Prius | $1,443 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,448 |
| Nissan Rogue S AWD | $1,454 |
| Chevrolet Silverado LT Crew Cab 4WD | $1,448 |
| Start a Quote Go | |
Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium costs do not factor in specific Sacramento, CA garaging location which can change premium rates substantially.
Based on these rates, you can infer that cars like the Honda Accord, Honda CR-V, and Ford Focus are most likely going to be some of the more affordable vehicles to insure for drivers on welfare.
For drivers on welfare, one of the more important components that are looked at to help calculate the amount you pay each year for auto insurance is where you normally keep your vehicle in Sacramento. Areas with high crime rates or more dense population tend to have more expensive auto insurance rates, whereas areas with less crime or weather claims benefit from lower rates.
The information below lists the most costly cities in California for welfare recipients to buy an auto insurance policy in. Sacramento ranks #4 with an annual cost of $1,703 for the average policy, which is around $142 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,121 |
| 3 | San Francisco | $1,711 |
| 4 | Sacramento | $1,703 |
| 5 | Oakland | $1,687 |
| 6 | San Bernardino | $1,644 |
| 7 | Long Beach | $1,626 |
| 8 | Stockton | $1,588 |
| 9 | Garden Grove | $1,554 |
| 10 | Moreno Valley | $1,536 |
| 11 | Santa Clarita | $1,533 |
| 12 | Fontana | $1,519 |
| 13 | Fresno | $1,517 |
| 14 | Modesto | $1,502 |
| 15 | Riverside | $1,497 |
| 16 | Santa Ana | $1,439 |
| 17 | Anaheim | $1,430 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,402 |
| 20 | Fremont | $1,389 |
| 21 | Irvine | $1,384 |
| 22 | Oxnard | $1,344 |
| 23 | Bakersfield | $1,340 |
| 24 | Chula Vista | $1,337 |
| 25 | San Diego | $1,327 |
| Get a Custom Quote Go | ||
Annual rates are approximated as specific Sacramento garaging address can increase or decrease insurance rates substantially.
Best auto insurance in Sacramento
Selecting a good quality insurance company is difficult considering how many choices you have in Sacramento. The information shown below can help you pick which car insurance companies you want to consider when buying insurance for welfare recipients.
These ratings are only comprised of companies that insure vehicles nationwide, so companies that only write business in California or surrounding areas are not taken into consideration for these rankings. To compare prices from the insurers below and more, click here.
Top 10 Large Auto Insurance Providers in Sacramento Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Top 10 Large Auto Insurance Providers in Sacramento Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Discounts on Sacramento car insurance rates
Insurers that offer quotes for welfare recipients could also offer premium discounts that may potentially lower prices by as much as 30% if you meet the requirements. Large auto insurance companies and a summarized list of policyholder discounts are:
- State Farm includes discounts for passive restraint, Steer Clear safe driver discount, driver’s education, defensive driving training, and safe vehicle.
- GEICO may offer discounts for daytime running lights, defensive driver, seat belt use, good student, anti-lock brakes, and multi-policy.
- Allstate has discounts for multi-policy, premier discount, new car, resident student, passive restraint, and anti-theft.
- SAFECO offers premium reductions for homeowner, teen safe driver, accident prevention training, teen safety rewards, bundle discounts, anti-theft, and safe driver.
- Farm Bureau may have discounts that include good student, multi-vehicle, multi-policy, 55 and retired, driver training, and youthful driver.
- Progressive policyholders can earn discounts including multi-policy, homeowner, online quote discount, multi-vehicle, continuous coverage, and online signing.
- AAA discounts include anti-theft, education and occupation, good student, AAA membership discount, good driver, multi-policy, and multi-car.
The information below illustrates the difference between insurance costs with and without discounts applied. The data is based on a female driver, no violations or claims, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with accident-free, marriage, passive restraint, vehicle safety, multiple vehicle, and safe-driver discounts applied. When drivers take advantage of discounts, the average amount saved each year on auto insurance for welfare recipients is 28% or $549.
What aren’t you shopping around?
Sacramento auto insurance rates are calculated based on many things that may substantially change the cost of your policy. Improving your credit score, getting married, or getting a ticket for careless driving can trigger rate changes that can make some companies more affordable than competitors. And not only may your rating factors change, but insurers file new California car insurance rates as often as every quarter in order to offset underwriting gains or losses. An extended period of higher than normal claims can cause higher rates, while a lower level of claims may result in lower-cost Sacramento car insurance rates.
The graph below shows which company has the cheapest car insurance in Sacramento, CA for a 30-year-old female driver with no prior claims, no tickets, and a decent credit rating. If we look at prices based on her current risk profile, USAA might offer the best car insurance rates in Sacramento at $1,463 per year. This is $188 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remainder of the cheapest Sacramento, CA auto insurance companies.
In this example, we will give the driver from the first example a chargeable claim, poor credit, and a traffic citation. Due to the fact that each insurance company has a unique approach for setting prices, analyzing rate quotes may now result in a different list of the cheapest Sacramento car insurance companies as shown below.
Grange now has the cheapest insurance rate in Sacramento, CA with Allstate, Mercury, GEICO, and Progressive also being competitive. This example demonstrates why it is critical to compare lots of rates to find the cheapest auto insurance rates for welfare recipients. Rates are calculated by many different factors and change frequently, so the cheapest company the last time you shopped around may now be an over-priced policy.
The agencies below are willing to help you make a decision which insurance coverage you need, as many consumers aren’t sure which coverage to buy and prefer to have a professional recommendation when buying car insurance for drivers on welfare. It’s not always simple to find the cheapest car insurance policy, so getting advice from a licensed California insurance agent can add peace of mind knowing you have adequate protection in case of an accident or claim. To locate a Sacramento insurance agent closest to you, click the button following the list or click here to compare prices now.
Sherman Chan – State Farm Insurance Agent
1355 Florin Rd Ste 1 – Sacramento, CA 95822 – (916) 422-1550
Rich Williams – State Farm Insurance Agent
1001 26th St – Sacramento, CA 95816 – (916) 447-8560
Nationwide Insurance: Rielli Insurance and Financial Services LLC
7 Parkcenter Dr #125 – Sacramento, CA 95825 – (916) 234-1490
Nationwide Insurance: Wellco Insurance Agency Inc
6905 Stockton Blvd Ste 230 – Sacramento, CA 95823 – (916) 399-8113
View more Sacramento, CA insurance agents
How to find cheaper car insurance for welfare recipients
It is possible to find better rates, and here are a few thrifty ideas that can help Sacramento drivers buy lower-cost coverage.
- Get cheaper liability coverage by choosing a safer vehicle
- Frequent claims may make car insurance unaffordable
- Good credit scores may lower your rates
- Prevent rate increases by staying accident-free
- Maintain a clean driving record
- Comparison shop frequently
The last tip is notably significant, as was pointed out in this piece. Rates vary considerably, so drivers shouldn’t be reluctant to change to a new company if you find a better deal.
Having brand loyalty is commendable, but it’s not a great idea if that inflexibility results in costing you thousands of dollars over several years. If you have a few minutes, shop around and find cheaper auto insurance for welfare recipients in Sacramento.