The type of vehicle you are buying coverage for is one of the largest considerations when comparison shopping for the best cheap insurance for hybrid vehicles. Vehicles with higher performance characteristics, poor crash test ratings, or high incidents of liability claims will cost substantially more to insure than more modest models.
The table below ranks coverage costs for a handful of the most cost-effective vehicles to insure in California.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $1,468 |
| Ford Escape XLS 2WD | $1,474 |
| Chevrolet Silverado LS Regular Cab 4WD | $1,476 |
| Toyota Prius | $1,489 |
| Honda CR-V EX 4WD | $1,502 |
| Chevrolet Equinox LT AWD | $1,593 |
| Honda Civic LX-S 4-Dr Sedan | $1,648 |
| Ford Edge Limited AWD | $1,679 |
| Kia Optima LX | $1,703 |
| Chevrolet Silverado 2500HD LT Crew Cab 4WD | $1,708 |
| Chevrolet Impala LS | $1,716 |
| Chevrolet Malibu Hybrid | $1,742 |
| Toyota RAV4 Sport 4WD | $1,750 |
| Volkswagen Jetta S 4-Dr Sedan | $1,742 |
| GMC Sierra SLE Regular Cab 2WD | $1,751 |
| Jeep Wrangler Unlimited Rubicon 4WD 4-Dr | $1,750 |
| Ford F-150 XL Crew Cab 4WD | $1,760 |
| Dodge Grand Caravan Hero | $1,794 |
| Ford Explorer Eddie Bauer AWD | $1,834 |
| Toyota Tacoma Double Cab 4WD | $1,842 |
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in specific location information which can modify rates noticeably.
By looking at the data, makes and models like the Honda Accord, Ford Escape, Chevrolet Silverado, and Toyota Prius will definitely be some of the more affordable vehicles to insure for hybrids.
Comparing rates for cost effective insurance is not the easiest thing to accomplish, and finding out which insurers offer the cheapest insurance rates for hybrid vehicles takes even more perseverance. Each auto insurance company has their own guidelines for determining rates in each state, so to begin we’ll rank the insurance companies with the overall best prices in Sacramento.
Find Cheaper Car Insurance for Hybrids
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,157 |
| 3 | CSAA | $1,198 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,488 |
| 9 | Allstate | $1,497 |
| 10 | GEICO | $1,529 |
| 11 | Progressive | $1,542 |
| 12 | The Hartford | $1,575 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,606 |
| 15 | Unitrin | $1,682 |
| 16 | Esurance | $1,688 |
| 17 | State Farm | $1,733 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $1,966 |
| View More Rates Go | ||
USAA normally has some of the lowest car insurance rates in Sacramento at around $1,109 each year. This is $542 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also rank well as some of the best Sacramento, CA insurance companies.
In the above example, if you currently have coverage with Nationwide and switched to Wawanesa, you might achieve savings of about $106. Drivers with 21st Century may save as much as $168 a year, and Grange insureds might reduce rates by $320 a year.
Remember that these premium estimates are averages across all insureds and vehicles and and are not figured with an exact vehicle garaging location for hybrid vehicles. So the car insurance company that is best for you may not even be in the top 24 companies in the list above. That illustrates why you need to get rate quotes using your own driver data and vehicle information.
Comparison of full coverage and liability-only policies
Paying a lower price for insurance is important to most vehicle owners, and one of the easiest ways to buy cheap insurance for hybrid vehicles is to buy only liability coverage. The chart below compares insurance costs with liability coverage only compared to full coverage. Data assumes no tickets, no at-fault accidents, $500 deductibles, single status, and no discounts are taken into consideration.
As an average for all age groups, physical damage insurance costs an extra $2,772 per year over and above liability only. Many of you may wonder when is the right time to remove full coverage. There isn’t a written rule to eliminate full coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than around 10% of the settlement you would receive from your company, then it could be time to drop full coverage.
For example, let’s assume your vehicle’s settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after the policy deductible has been paid. If it’s costing you more than $400 annually to have full coverage, then it may be the right time to buy liability only.
California insurance companies ranked
Picking a high-quality insurer can be rather challenging considering how many choices you have in California. The company rank data in the lists below can help you decide which insurers you want to consider comparing rates from. These ratings are only comprised of large nationwide companies, so smaller companies that only insure vehicles in California are not factored into the 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Why you are probably overpaying for car insurance
Sacramento insurance rates are based on many factors that will increase or decrease the price of coverage. Improving your credit rating, moving to a new city, or getting a ticket for running a stop sign can produce rate changes that can cause some rates to be more affordable than competitors. In addition to those changes, companies file new rates as often as every quarter to adjust for heavy claims or excess profits. Higher than normal claim frequency or severity can cause higher prices, while better underwriting can cause cheaper Sacramento car insurance rates.
The chart below shows rates for the cheapest car insurance in Sacramento, CA for a 40-year-old female driver with no prior accidents, a clean driving record, and a good credit history. If we estimate prices based on her personal risk profile, USAA might quote the cheapest car insurance rates in Sacramento at $1,508 per year. This is $143 less than the average premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are also included in the best Sacramento, CA auto insurance companies.
In this next rate comparison, we will give the driver from the first set of rates an accident claim, a lower credit rating, and a speeding ticket. Since every car insurance company has a unique approach to establish rates, comparing rates may result in a completely different list of the cheapest companies as shown below.
Grange now has the best price on car insurance in Sacramento, CA with Progressive, Mercury, GEICO, and Allstate also having competitive pricing. This example illustrates why Sacramento drivers need to do a thorough rate comparison when trying to find the lowest auto insurance quotes for hybrid vehicles.
Car insurance prices are influenced by many factors and change dramatically, so the best company when you last compared rates may now be one of the more expensive options.