The make and model of vehicle requiring insurance is one of the primary factors when comparison shopping for the lowest-priced insurance for felons. Vehicles with lots of speed or power, poor safety features, or high incidents of liability claims will cost much more to insure than safer, lower-performance models.
The table below shows insurance prices for the most cost-effective automobiles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $1,354 |
| Honda CR-V LX 4WD | $1,363 |
| Ford Escape XLS 2WD | $1,485 |
| Hyundai Elantra GLS Touring Station Wagon | $1,491 |
| Jeep Grand Cherokee Laredo 2WD | $1,606 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,613 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $1,622 |
| Ford Explorer Eddie Bauer AWD | $1,637 |
| Chevrolet Malibu LT | $1,646 |
| Toyota Tacoma Double Cab 4WD | $1,637 |
| Toyota Prius | $1,653 |
| Ford F-150 XLT Super Cab 2WD | $1,661 |
| Toyota Camry XLE | $1,693 |
| Ford Edge SEL AWD | $1,721 |
| Honda Odyssey Touring | $1,724 |
| Chevrolet Silverado 2500HD LT Crew Cab 4WD | $1,734 |
| Ford F-350 XL Crew Cab Turbo Diesel 2WD | $1,784 |
| Toyota RAV4 2WD | $1,808 |
| Honda Civic LX 4-Dr Sedan | $1,816 |
| Toyota Camry Hybrid | $1,839 |
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rates do not factor in vehicle garaging location which can affect premiums considerably.
Based upon the table data, we can expect makes and models like the Honda Accord, Honda CR-V, and Ford Escape will definitely be some of the cheaper vehicles to insure for felons.
For felons, one of the more important things that help determine car insurance rates is where you keep your car. Areas with more people or higher crime rates are more likely to pay higher prices, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower prices.
The following table rates the most costly cities in California for felons to buy auto insurance in. Sacramento makes the list at #5 with the yearly price of $1,703 for the average insured, which is approximately $142 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,104 |
| 3 | Oakland | $1,755 |
| 4 | San Francisco | $1,745 |
| 5 | Sacramento | $1,703 |
| 6 | San Bernardino | $1,644 |
| 7 | Long Beach | $1,610 |
| 8 | Stockton | $1,588 |
| 9 | Santa Clarita | $1,548 |
| 10 | Moreno Valley | $1,536 |
| 11 | Fontana | $1,519 |
| 12 | Garden Grove | $1,508 |
| 13 | Fresno | $1,502 |
| 14 | Modesto | $1,502 |
| 15 | Riverside | $1,497 |
| 16 | Anaheim | $1,488 |
| 17 | Santa Ana | $1,453 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,402 |
| 20 | Irvine | $1,371 |
| 21 | Fremont | $1,348 |
| 22 | Oxnard | $1,344 |
| 23 | Bakersfield | $1,340 |
| 24 | San Diego | $1,327 |
| 25 | Chula Vista | $1,311 |
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Rate quotes are comparative as specific Sacramento garaging address can alter prices noticeably.
Deciphering which companies offer the cheapest auto insurance rates for felons involves more work in order to find a policy that fits your budget.
Every insurance provider has their own process for setting rates, so we’ll take a look at the auto insurance companies with the overall best prices in Sacramento. Keep in mind that Sacramento, CA auto insurance rates are impacted by many factors which can significantly increase or decrease the cost of having a policy. Improving your credit score, having a claim, or having an accident may generate price changes that can now make some companies more affordable than competitors.
Find the Cheapest Car Insurance for Felons
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | CSAA | $1,186 |
| 3 | Century National | $1,190 |
| 4 | Wawanesa | $1,192 |
| 5 | Nationwide | $1,213 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,491 |
| 8 | Allstate | $1,513 |
| 9 | GEICO | $1,513 |
| 10 | Mercury | $1,533 |
| 11 | Progressive | $1,542 |
| 12 | Allied | $1,556 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,639 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,733 |
| 17 | Esurance | $1,756 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $2,026 |
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USAA generally has some of the cheapest car insurance rates in Sacramento at around $1,109 per year. CSAA, Century National, Wawanesa, and Nationwide are also some of the cheapest Sacramento, CA auto insurance companies.
As shown in the table above, if you have coverage with CSAA and switched to USAA, you could see yearly savings of in the vicinity of $77. Customers with Century National may save as much as $81 a year, and Wawanesa customers might cut rates by $83 a year.
To see if you’re overpaying, click here to start your custom quote or quote prices from the following companies.
It’s important to note that these premium estimates are averaged for all insureds and vehicles and and are not calculated with a specific vehicle garaging location for felons. So the car insurance company that fits your situation best may not even be in the list above. That points out the importance of why you need to get quotes using your own driver and vehicle profiles.
Which auto insurance company is best in California?
Picking the right car insurance company can be rather challenging considering how many different companies there are to choose from in Sacramento. The ranking data in the next section can help you pick which coverage providers to look at buying from. These ratings only include insurance companies that insure vehicles in the majority of U.S. states, so smaller regional companies are not taken into consideration for this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
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Data Source: Insure.com Best Car Insurance Companies
Full coverage versus liability-only in Sacramento
Reducing premiums for auto insurance is probably important to most people, and one of the easiest ways to pay less for insurance for felons is to only buy liability coverage. The example below shows the comparison of premium costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The rates are based on a clean driving record, no at-fault accidents, $100 deductibles, marital status is single, and no discounts are factored in.
If averaged for all ages, comp and collision coverage costs an extra $3,385 per year more than just insuring for liability. That is a large expense and it proposes the question if paying for full coverage is a waste of money. There is no definitive formula to drop full coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, then it might be time to buy liability only.
For example, let’s say your vehicle’s replacement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $3,000 after the policy deductible has been paid. If it’s costing in excess of $300 annually for your policy with full coverage, then it might be time to buy liability only.
Drive responsibly or pay higher rates
The easiest way to maintain cheap auto insurance premiums for felons is to be a good driver and avoid getting tickets or having accidents. The example below shows how violations and at-fault collisions impact insurance costs for different age groups. The price estimates are based on a married female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.
The data in the chart shows the average cost of car insurance per year with no accidents or violations is $1,598. Get two speeding tickets and the average cost surges to $2,264, an increase of $666 each year. Next add one accident along with the two speeding tickets and the 12-month cost of auto insurance for felons jumps again to an average of $2,935. That’s an increase of $1,337, or $111 per month, just for not paying attention while driving!
If you would rather get some professional input when buying car insurance for felons, the insurance agencies listed below can help you make a decision which policy is best.
To locate a Sacramento insurance agent close to you, click the link at the bottom.
- Darryl Fong – State Farm Insurance Agent
8489 Folsom Blvd – Sacramento, CA 95826 – (916) 388-1900 - Morelos Insurance Agency
5346 Madison Ave – Sacramento, CA 95841 – (916) 482-5500 - Yeh Ferguson – State Farm Insurance Agent
7273 14th Ave Ste 100 – Sacramento, CA 95820 – (916) 455-5000 - State Farm Insurance: Max Lam
2840 Del Paso Rd #300 – Sacramento, CA 95834 – (916) 575-7600 - Allstate Insurance: John Chandler
900 Jefferson Blvd #110 – West Sacramento, CA 95691 – (916) 374-1600