For infrequent drivers, one of the more important factors that aid in calculating the amount you pay for auto insurance is the neighborhood you call home in Sacramento. Areas with more people or higher crime rates likely pay more, whereas areas with less congestion have the luxury of cheap car insurance rates.
The table below shows the most expensive cities in California for low mileage drivers to purchase auto insurance in. Sacramento makes the list at #4 having an annual price of $1,703 on average, which is approximately $142 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,058 |
| 3 | Oakland | $1,704 |
| 4 | Sacramento | $1,703 |
| 5 | San Francisco | $1,693 |
| 6 | San Bernardino | $1,644 |
| 7 | Long Beach | $1,626 |
| 8 | Stockton | $1,588 |
| 9 | Santa Clarita | $1,580 |
| 10 | Fontana | $1,566 |
| 11 | Garden Grove | $1,554 |
| 12 | Modesto | $1,532 |
| 13 | Riverside | $1,527 |
| 14 | Moreno Valley | $1,506 |
| 15 | Fresno | $1,472 |
| 16 | Santa Ana | $1,439 |
| 17 | Anaheim | $1,430 |
| 18 | Huntington Beach | $1,402 |
| 19 | San Jose | $1,395 |
| 20 | Bakersfield | $1,353 |
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Rates are comparative as the specific area where the vehicle is garaged can change auto insurance rates significantly.
Finding reliable, cheap auto insurance is confusing at best, and deciding which company offers the most affordable insurance rates for low mileage drivers will require even more diligence. Each insurer has a unique formula for determining rates in each state, so let’s take a look at the lowest cost insurance companies in Sacramento, CA.
It’s important that readers know that Sacramento insurance rates are based on many factors that will increase or decrease the price you have to pay. Events like a birthday, buying a different vehicle, or having an at-fault accident may cause policy rate changes that may make certain companies more expensive than others.
Find Cheaper Auto Insurance in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Century National | $1,178 |
| 3 | CSAA | $1,186 |
| 4 | Wawanesa | $1,192 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,433 |
| 8 | Mercury | $1,488 |
| 9 | Progressive | $1,496 |
| 10 | GEICO | $1,513 |
| 11 | Allstate | $1,559 |
| 12 | The Hartford | $1,591 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,638 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,699 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,788 |
| 20 | Farmers | $1,946 |
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USAA normally has some of the cheapest car insurance rates in Sacramento at around $1,109 a year. This is $542 less than the average price paid by California drivers of $1,651. Century National, CSAA, Wawanesa, and Nationwide also are some of the best Sacramento, CA car insurance companies.
In the above example, if you are insured with CSAA and switched to USAA, you could earn annual savings of roughly $77. Customers with Wawanesa may save as much as $83 a year, and Nationwide policyholders might see rate reductions of $154 a year.
Bear in mind that those premiums are averages across all types of drivers and the different vehicles they drive and and are not figured with an exact location for low mileage drivers. So the car insurance company that fits your situation best may not even be in the top 24 companies shown above. That underscores the importance of why you need to compare rates from multiple companies using your own personal information and vehicle type.
Full coverage rates compared to liability-only
Saving money on insurance is the goal of most people, and one of the quickest ways to save on the cost of insurance for low mileage drivers is to not insure for full coverage. The chart below illustrates the difference between insurance premiums with full physical damage coverage and with liability coverage only. The data assumes no driving violations, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.
As an average, comp and collision coverage costs an extra $1,849 per year more than just buying liability only. At some point, about every driver wonders if it’s worth it to buy full coverage. There is no specific rule of when to stop paying for full coverage, but there is a broad guideline. If the annual cost of coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
There are some scenarios where dropping full coverage is not financially feasible. If you still owe money on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should maintain full coverage.
The illustration below illustrates how choosing a deductible can raise or lower insurance premiums when getting quotes for cheap insurance for low mileage drivers. The price estimates are based on a married female driver, full coverage, and no discounts are applied to the premium.
The data above shows that a 40-year-old driver could lower their policy premium by $420 a year by changing from a $100 deductible up to a $500 deductible, or save $634 by choosing a $1,000 deductible. Younger drivers, like the 20-year-old example, can save as much as $1,042 every year by choosing a larger deductible amount. If you do make the decision to raise your deductibles, it is essential to have emergency funds available to offset the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Who has the cheapest Sacramento car insurance?
Sacramento, CA insurance rates are determined by lots of factors that will increase or decrease the price of your policy. Simply having a birthday, buying a different vehicle, or getting into an accident can cause premium changes resulting in some rates now being cheaper in comparison to the competition.
Not only that, but auto insurance companies file new California car insurance rates every year in order to protect their financial rating. Heavier than normal losses may cause rate increases, while lower claim expenses can cause more affordable Sacramento car insurance rates.
For instance, the data below compares the cheapest car insurance in Sacramento, CA for a 30-year-old male driver with no violations or accidents, and good financial standing. When quoting prices based on his personal risk profile, USAA may have the cheapest car insurance rates in Sacramento at $1,500 annually. This is $151 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the cheapest Sacramento, CA auto insurance companies.
The example below compares rates after we give the driver from the first rate comparison a claim, bad credit, and a traffic citation. Due to the fact that each insurance company has a proprietary formula to establish rates, analyzing rates could now result in a different set of affordable companies as shown below.
Grange now has the best auto insurance rate in Sacramento, CA with GEICO, Mercury, Progressive, and Allstate also being competitive. This demonstrates why California drivers need to spend some time comparing rates when trying to find the most economical auto insurance rates for low mileage drivers. Rates consist of many different factors and change frequently, so the best option the last time you shopped around may now be quite expensive.