The vehicle model you are buying coverage for is one of the main factors that determines whether or not you can buy low-priced auto insurance for nurses. Vehicles with high performance features, poor safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than safer, lower-performance models.
The table below shows car insurance premiums for a selection of the most affordable automobiles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $1,351 |
| Honda CR-V EX-L 2WD | $1,380 |
| Toyota Prius | $1,496 |
| Toyota Tacoma 2WD | $1,570 |
| Ford Focus SE 4-Dr Sedan | $1,578 |
| Jeep Grand Cherokee Laredo 4WD | $1,599 |
| Volkswagen Jetta S 4-Dr Sedan | $1,607 |
| Toyota Corolla XLE | $1,680 |
| Honda Odyssey EX-L | $1,688 |
| Hyundai Elantra GLS 4-Dr Sedan | $1,680 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,704 |
| Ford Explorer Eddie Bauer 2WD | $1,738 |
| Honda Civic SI 4-Dr Sedan | $1,765 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,826 |
| GMC Sierra SLT Crew Cab 4WD | $1,828 |
| Dodge Ram Crew Cab Laramie 2WD | $1,857 |
| Ford F-150 STX Super Cab 4WD | $1,897 |
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Price estimates do not factor in specific location which can raise or lower price quotes greatly.
Looking at the numbers, vehicles like the Ford Escape, Honda CR-V, Toyota Prius, Toyota Tacoma, and Ford Focus are the more affordable vehicles to insure for health professionals.
Comparing quotes for affordable insurance is tough enough, and figuring out which insurers offer the cheapest insurance rates for nurses takes even more work.
Each auto insurance company has their own guidelines to establish rates, so first we will examine the lowest cost insurance companies in Sacramento, CA. It’s important that you understand Sacramento, CA insurance rates are influenced by many factors that can increase the price you have to pay. This is why consumers need to take the time to do a thorough rate comparison when trying to get the most affordable car insurance quotes for nurses. Insurance rates are influenced by many risk factors and change frequently, so the cheapest company six months ago may now be one of the higher cost companies.
Find the Cheapest Car Insurance for Health Occupations
USAA may offer some of the lowest car insurance rates in Sacramento at around $1,155 annually. Wawanesa, CSAA, Nationwide, and Century National also rank well as some of the best Sacramento, CA car insurance companies.
As depicted above, if you buy coverage from Wawanesa and switched to USAA, you might achieve an annual premium reduction of in the vicinity of $37. Drivers with CSAA may save as much as $43 a year, and Nationwide customers might reduce rates by $58 a year.
Be aware that those premiums are averaged for all types of insureds and vehicles and and are not figured with a specific vehicle garaging location for nurses. So the auto insurance company that fits your age and vehicle best may not even be in the top 24 companies shown above. That emphasizes why you need to get rate quotes from many companies using your own driver and vehicle profiles.
For health professionals, one of the largest components that help determine insurance cost is where you call home in Sacramento. Areas with increased crime or more people likely pay more, whereas areas with less crime or weather claims tend to receive slightly lower rates.
The information below rates the most costly cities in California for nurses in which to buy car insurance. Sacramento is ranked at #5 with a yearly premium of $1,669 for the average insured, which is around $139 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,121 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,628 |
| 7 | Stockton | $1,603 |
| 8 | Long Beach | $1,578 |
| 9 | Garden Grove | $1,570 |
| 10 | Santa Clarita | $1,548 |
| 11 | Fontana | $1,535 |
| 12 | Moreno Valley | $1,506 |
| 13 | Fresno | $1,502 |
| 14 | Santa Ana | $1,497 |
| 15 | Modesto | $1,487 |
| 16 | Riverside | $1,482 |
| 17 | Anaheim | $1,444 |
| 18 | San Jose | $1,395 |
| 19 | San Diego | $1,381 |
| 20 | Bakersfield | $1,381 |
| Quote Best Rates Go | ||
Information shown are approximated as specific Sacramento zip code can raise or lower coverage prices considerably.
Sacramento insurance company ratings
Insuring your vehicle with a good quality auto insurance company can be rather challenging considering how many different companies insure vehicles in Sacramento. The company information shown below can help you select which auto insurers you want to consider when shopping your coverage around.
These rankings include insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not factored into this list. If you wish to compare prices and find cheaper insurance for nurses, just click here.
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 Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Impact of citations and accidents on insurance rates
The best way to enjoy the most affordable insurance premiums in California for health professionals is to be a cautious driver and avoid accidents and keep your driving record clean. The diagram below shows how violations and accident claims can raise car insurance costs for different age groups. The premiums assume a single male driver, full coverage, $100 deductibles, and no additional discounts are factored in.
In the previous example, the average cost of an auto insurance policy per year with no accidents and a clean driving record is $2,525. Factor in one speeding ticket and the average cost rises to $2,844, an increase of $319 each year. Now add in one accident along with the one speeding ticket and the annual cost of insurance for nurses goes up to an average of $3,742. That’s an increase of $1,217, or $101 per month, just for not driving responsibly!
The illustration below illustrates how choosing a deductible can raise or lower premium costs when searching for cheap insurance for nurses. Data assumes a single female driver, full physical damage coverage, and no discounts are factored in.
In the chart above, a 50-year-old driver could lower their car insurance rates by $350 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $530 by switching to a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could roll back prices up to $888 or even more by selecting a higher deductible. When using a larger deductible, it will be required to have enough spare savings to enable you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.