For a learners permit, one of the largest criteria that aid in calculating car insurance rates is the neighborhood you call home in Sacramento. Areas with more people or more claims tend to have more expensive auto insurance rates, whereas areas with less crime or weather claims have the luxury of cheap car insurance rates.
The following table ranks the highest-priced places in California for a school permit in which to buy car insurance. Sacramento comes in at #5 costing $1,652 for coverage, which is approximately $138 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,142 |
| 3 | Oakland | $1,755 |
| 4 | San Francisco | $1,745 |
| 5 | Sacramento | $1,652 |
| 6 | Long Beach | $1,610 |
| 7 | San Bernardino | $1,596 |
| 8 | Santa Clarita | $1,580 |
| 9 | Stockton | $1,556 |
| 10 | Fontana | $1,535 |
| 11 | Riverside | $1,527 |
| 12 | Fresno | $1,517 |
| 13 | Garden Grove | $1,508 |
| 14 | Moreno Valley | $1,506 |
| 15 | Modesto | $1,502 |
| 16 | Santa Ana | $1,497 |
| 17 | San Jose | $1,437 |
| 18 | Anaheim | $1,430 |
| 19 | Fremont | $1,389 |
| 20 | Irvine | $1,384 |
| 21 | Bakersfield | $1,381 |
| 22 | Huntington Beach | $1,360 |
| 23 | Oxnard | $1,344 |
| 24 | San Diego | $1,327 |
| 25 | Chula Vista | $1,298 |
| Find Cheaper Rates Go | ||
Annual rates are estimated as specific location information can affect premium rates significantly.
Finding good, affordable car insurance is not the easiest thing to accomplish, and deciding which companies quote the cheapest insurance rates for a school permit involves even more rate comparisons. Every auto insurer has their own process to set policy rates, so we’ll take a look at the insurance companies that tend to be cheaper in California.
It’s important to understand that Sacramento insurance rates are impacted by many things that may substantially change the price of your policy. Improving your credit rating, buying a new vehicle, or getting a ticket for running a stop sign can trigger changes in premium that may make certain companies cheaper than competitors.
Find Cheaper Car Insurance for Students
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,181 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,477 |
| 8 | Allstate | $1,513 |
| 9 | Mercury | $1,533 |
| 10 | Progressive | $1,558 |
| 11 | GEICO | $1,575 |
| 12 | Allied | $1,603 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,623 |
| 15 | Esurance | $1,739 |
| 16 | Unitrin | $1,750 |
| 17 | State Farm | $1,750 |
| 18 | Travelers | $1,806 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $2,006 |
| Quote Your Rates Go | ||
USAA may have some of the lowest car insurance rates in Sacramento at around $1,155 a year. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the lowest-priced Sacramento, CA auto insurance companies.
In the above example, if you currently have coverage with Wawanesa and switched to USAA, you could realize yearly savings of in the neighborhood of $26. California drivers with Century National could save as much as $35 a year, and CSAA insureds might see rate reductions of $43 a year.
Bear in mind that those policy rates are averages across all drivers and vehicles in California and do not take into consideration a specific vehicle garaging location for a school permit. So the insurer that fits your age and vehicle best may not even be in the list above. That point stresses why you need to get rate quotes using your own personal information and vehicle type.
The make and model of vehicle you are buying coverage for is one of the primary factors that determines if you can find cheap coverage for a school permit. Vehicles with reasonable performance levels, a plethora of safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than higher performance models.
The information below estimates insurance prices for a selection of the cheaper automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $5,766 |
| Honda Accord LX 4-Dr Sedan | $5,772 |
| Honda CR-V EX-L 4WD | $5,820 |
| Jeep Wrangler Sport 4WD 2-Dr | $6,079 |
| Hyundai Elantra SE Touring Station Wagon | $6,175 |
| Toyota Prius | $6,231 |
| Ford Edge SE 2WD | $6,432 |
| Volkswagen Jetta SE 2.5 Station Wagon | $6,583 |
| Honda Odyssey EX | $6,787 |
| Toyota Tacoma 2WD | $6,796 |
| Nissan Altima 2.5 4-Dr Sedan | $6,841 |
| Toyota RAV4 2WD | $6,850 |
| Chevrolet Malibu Hybrid | $6,841 |
| Dodge Grand Caravan Crew | $6,897 |
| Ford F-150 FX4 4WD | $6,902 |
| Ford Explorer Limited AWD | $6,897 |
| Toyota Camry XLE | $7,193 |
| Get a Custom Quote Go | |
Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in Sacramento, CA location which can affect coverage prices noticeably.
Based on these rates, you can conclude that models like the Ford Escape, Honda Accord, Honda CR-V, Jeep Wrangler, and Hyundai Elantra are likely to be the cheaper vehicles to insure for a learners permit. Auto insurance rates will be more expensive just due to the fact that there is more exposure for a school permit, but in general those specific models will most likely have the lowest insurance prices that you are likely to find.
Drive safe and save
A great way to enjoy the best insurance premiums in Sacramento for a learners permit is to drive cautiously and avoid accidents and traffic citations. The information below illustrates how traffic citations and at-fault fender-benders raise annual premium costs for different categories of driver ages. The premiums assume a married female driver, full coverage, $100 deductibles, and no additional discounts are factored in.
In the example above, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,948. Factor in two speeding tickets and the average cost surges to $2,776, an increase of $828 each year. Then throw in one accident along with the two speeding tickets and the annual cost of insurance for a school permit increases to an average of $3,605. That’s an increase of $1,657, or $138 per month, just for not being attentive to the road!
Get discounts on Sacramento car insurance
Car insurance companies that sell policies for a school permit may provide premium discounts that can lower rates by as much as 25% or more if you qualify. Large insurance companies and some of the discounts are detailed below.
- GEICO has discounts for federal employee, membership and employees, five-year accident-free, driver training, multi-vehicle, and emergency military deployment.
- USAA may have discounts that include multi-vehicle, driver training, good student, multi-policy, and vehicle storage.
- Progressive policyholders can earn discounts including online quote discount, online signing, homeowner, multi-policy, multi-vehicle, continuous coverage, and good student.
- American Family may offer discounts for early bird, good driver, TimeAway discount, mySafetyValet, defensive driver, and accident-free.
- Esurance offers discounts including defensive driver, safety device, good student, Pac-12 alumni, and DriveSense.
- Farmers Insurance discounts include mature driver, business and professional, bundle discounts, youthful driver, switch companies, and homeowner.
- State Farm offers premium reductions for multiple autos, safe vehicle, passive restraint, defensive driving training, accident-free, and good driver.
The information below shows the comparison of annual premium costs with and without policy discounts. The prices are based on a female driver, no accidents or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with good student, anti-theft, continuous coverage, paid-in-full, paperless filing, and passive restraint discounts applied. When these discounts are applied, theaverage amount saved on insurance for a school permit is 28% or $641.
How to find more affordable car insurance for a school permit
Lowering your rates is not difficult, and here are many penny-pinching ideas that can help Sacramento drivers quote low-cost coverage.
- Pay for small claims rather than turning them in to your insurance company
- Choose a safer vehicle and pay lower rates
- Good credit can save money
- Having at-fault accidents will increase rates
- Save money by observing traffic laws and speed limits
- Shop around and save
The last idea is very significant, as we stressed in this article. Coverage prices fluctuate considerably, so don’t be afraid to buy a policy from a new company if a better deal can be had.
Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that dedication is costing hundreds of dollars a year. If you have a few minutes, now is a great time to compare rates to find cheaper car insurance for a school permit in Sacramento.
The agents below can most likely aid you in deciding which coverages you need, since lots of people like to have a professional recommendation when buying car insurance for a school permit. It can be difficult to find coverage yourself, and insurance agents licensed in the state of California can bring peace of mind knowing your coverage gives you adequate protection in case of an accident or claim.
To locate an agency using an interactive map, click the link after the list.
- Ice Insurance Agency
813 F St – Sacramento, CA 95814 – (916) 387-6800 - 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 - Moira Little – State Farm Insurance Agent
9700 Business Park Dr #304 – Sacramento, CA 95827 – (916) 854-5985 - Castro Property and Commercial Insurance
155 15th St c – West Sacramento, CA 95691 – (916) 482-9600