One of the more important criteria that are looked at to help calculate insurance cost is where you keep your car. Areas with more people or more claims tend to pay more, whereas areas with less congestion tend to receive cheaper rates.
The illustration below ranks the priciest cities in California for state employees to purchase car insurance in. Sacramento is ranked #5 with an annual rate of $1,703 for the average policyholder, which is approximately $142 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,104 |
| 2 | Glendale | $2,079 |
| 3 | Oakland | $1,755 |
| 4 | San Francisco | $1,711 |
| 5 | Sacramento | $1,703 |
| 6 | San Bernardino | $1,628 |
| 7 | Stockton | $1,588 |
| 8 | Santa Clarita | $1,580 |
| 9 | Garden Grove | $1,570 |
| 10 | Fontana | $1,566 |
| 11 | Long Beach | $1,562 |
| 12 | Modesto | $1,532 |
| 13 | Moreno Valley | $1,506 |
| 14 | Riverside | $1,497 |
| 15 | Anaheim | $1,474 |
| 16 | Fresno | $1,472 |
| 17 | Santa Ana | $1,439 |
| 18 | San Jose | $1,437 |
| 19 | Fremont | $1,403 |
| 20 | San Diego | $1,368 |
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Table data uses approximated as the vehicle garaging location can lower or raise coverage rates substantially.
Determining which companies quote the lowest-priced car insurance rates for state employees will involve a bit more work than just comparing a company or two.
Each insurer used slightly different criteria to determine premium rates, so let’s take a look at the overall cheapest car insurance companies in Sacramento. It’s important to know that California car insurance rates are determined by lots of factors that control your annual premium. Turning one year older, buying a new vehicle, or getting into an accident can cause premium changes resulting in some companies being more affordable than before.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,181 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,491 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,533 |
| 10 | Progressive | $1,542 |
| 11 | GEICO | $1,575 |
| 12 | Allied | $1,588 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,623 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,699 |
| 17 | Esurance | $1,739 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $2,006 |
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USAA quotes some of the most affordable car insurance rates in Sacramento at around $1,121 per year. This is $530 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the most economical Sacramento, CA insurance companies.
As shown in the rates above, if you are currently insured with Wawanesa and switched to USAA, you could realize an annual savings of in the vicinity of $60. Policyholders with Century National may save as much as $69 a year, and CSAA insureds might realize rate reductions of up to $101 a year.
It’s important to note that these premium estimates are averages for all insureds and vehicles and and are not figured with a specific zip code for state employees. So the auto insurance company that is best suited for you may not even be in the top 24 companies in the list above. That points out the importance of why you need to get quotes using your own driver data and vehicle information.
The type of vehicle to be insured is one of the largest factors in finding cheaper car insurance for state employees. Vehicles with high performance engines, a lack of safety features, or high incidents of liability claims will cost significantly more to insure than more modest models.
The next list ranks car insurance rates for a selection of the most budget-friendly vehicles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $1,245 |
| Ford F-150 FX2 Super Cab 2WD | $1,279 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,310 |
| Ford Edge SEL AWD | $1,323 |
| Toyota Tacoma Double Cab 4WD | $1,349 |
| Chevrolet Silverado LS Regular Cab 4WD | $1,365 |
| Ford Explorer Eddie Bauer AWD | $1,378 |
| Ford Escape Limited 4WD | $1,394 |
| Toyota Prius | $1,430 |
| Chevrolet Impala LS | $1,441 |
| Chevrolet Equinox LTZ AWD | $1,449 |
| Jeep Grand Cherokee Laredo 2WD | $1,472 |
| Toyota RAV4 2WD | $1,478 |
| Chevrolet Malibu LS | $1,511 |
| Volkswagen Jetta 2.0T Station Wagon | $1,520 |
| Ford Focus SES 4-Dr Sedan | $1,519 |
| Dodge Grand Caravan SXT | $1,548 |
| Ford F-250 XL Super Cab Cabela Package 2WD | $1,556 |
| Toyota Camry Hybrid | $1,548 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,558 |
| Kia Optima LX | $1,576 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,582 |
| GMC Sierra SLT Crew Cab 2WD | $1,582 |
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Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Information does not factor in specific location information which can affect coverage prices greatly.
Based on these rates, you can see that cars like the Honda CR-V, Ford F-150, Jeep Wrangler, Ford Edge, and Toyota Tacoma are most likely to be a few of the most economical vehicles to insure for state workers.
How to get discounts on Sacramento car insurance rates
Insurers that offer coverage for state employees may also give you premium discounts that could reduce prices by as much as 40% or more if you meet specific criteria. Popular car insurance companies and a partial list of their discounts are shown below.
- Progressive has savings for continuous coverage, online quote discount, multi-policy, multi-vehicle, good student, online signing, and homeowner.
- GEICO includes discounts for military active duty, seat belt use, emergency military deployment, multi-vehicle, and five-year accident-free.
- State Farm discounts include Drive Safe & Save, anti-theft, accident-free, student away at school, multiple autos, passive restraint, and good student.
- Esurance may have discounts that include good student, safety device, good driver, online shopper, defensive driver, paid-in-full, and anti-theft.
- The Hartford offers premium reductions for driver training, bundle, air bag, defensive driver, anti-theft, and vehicle fuel type.
The illustration below illustrates the comparison of yearly insurance costs with and without policy discounts. The rate quotes are based on a female driver, no violations or accidents, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple vehicle, claim-free, accident-free, vehicle safety, marriage, and defensive driving course discounts applied. When taking advantage of discounts, the average amount saved each year on car insurance for state employees is 28% or $549.
Do you need full coverage?
Saving money on car insurance is important to the majority of drivers, and one of the fastest ways to pay lower rates for insurance for state employees is to only buy liability coverage. The example below shows the difference between auto insurance costs with full physical damage coverage compared to only buying liability only. The information is based on no tickets, no at-fault accidents, $250 deductibles, marital status is single, and no discounts are applied.
If we average the cost for ages 20 through 70, physical damage coverage on your policy costs $3,147 per year over liability only. At some point, almost every driver questions if paying for full coverage is worth it. There is no definitive rule of when to phase out physical damage coverage, but there is a general convention. If the yearly cost of comp and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
How violations and accidents impact rates
One of the best ways to get the most affordable car insurance premiums in Sacramento for state workers is to drive safely and avoid accidents and keep your driving record clean. The example below highlights how traffic violations and at-fault accidents can influence car insurance costs for different categories of driver ages. The prices are based on a single male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of a car insurance policy per year with no accidents and a clean driving record is $2,314. Receive two speeding tickets and the average cost increases to $3,067, an increase of $754 each year. Now add two accidents along with the two speeding tickets and the yearly cost of car insurance for state employees goes up to an average of $5,841. That’s an increase of $3,528, or $294 per month, just for not driving attentively!
How to find more affordable car insurance for state employees
Lowering your rates is not difficult, and here are some of the recommended thrifty suggestions that can help drivers get more affordable coverage.
- Don’t have frequent claims
- Buy vehicles with good safety ratings
- Increase physical damage deductibles
- Improve your credit
- Multi-policy discounts save money
- Remove physical damage coverage on older vehicles
- Shop around for cheaper prices
The last suggestion is highly critical, as we hit on in the prior article. Rates in Sacramento can change considerably in a year, so don’t be afraid to buy from a different company if a better deal can be had. Sticking with a specific company is fine, but it’s not a great idea if that faithfulness ends up costing you a considerable chunk of change every month. It only take a few minutes to shop around and find cheaper insurance for state employees.