Who Has Affordable Auto Insurance Quotes for Postal Workers in Sacramento?

Finding out which companies have the most affordable car insurance rates for postal workers may require a little more sweat in order to find the lowest price. Each auto insurer has a unique approach for determining prices, so we need to take a look at the car insurance companies that tend to be cheaper in Sacramento.

It’s important that you understand Sacramento, CA car insurance rates are influenced by many factors which can substantially change your annual premium. Simply getting older, adding a teenager to your policy, or getting a ticket for careless driving can trigger changes in premium that can cause some rates to be affordable when they were higher priced.

Compare Cheap Insurance Quotes for USPS Employees

Compare Rates Now

Who has the cheapest car insurance in California?
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,146
3 CSAA $1,198
4 Century National $1,214
5 Nationwide $1,263
6 21st Century $1,338
7 Grange $1,491
8 Progressive $1,496
9 Allstate $1,513
10 Mercury $1,533
11 Allied $1,556
12 GEICO $1,559
13 MetLife $1,590
14 The Hartford $1,623
15 Esurance $1,688
16 State Farm $1,733
17 Unitrin $1,750
18 Bristol West $1,777
19 Travelers $1,806
20 Farmers $2,006
Quote Your Rates Go

USAA offers some of the most affordable car insurance rates in Sacramento at around $1,121 each year. This is $530 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also make the cut as some of the more affordable Sacramento, CA insurance companies.

As the example above demonstrates, if you buy coverage from Century National and switched to Wawanesa, you could see a yearly price reduction of approximately $68. Drivers with Nationwide could save as much as $117 a year, and 21st Century customers might reduce rates by $192 a year.

To see how much you can save, click here or click through to the companies below.

It’s important to note that these policy rates are averages for all types of drivers and the different vehicles they drive and do not factor in a specific vehicle garaging location for postal workers. So the insurer that has the cheapest rates for you may not even be in the top 24 companies in the list above. That underscores the importance of why you need to get rate quotes from many companies using your own personal information and vehicle type.

The make and model of vehicle on the policy is probably the biggest factor that determines the availability of low-priced coverage for postal workers. Vehicles with lots of horsepower, poor safety ratings, or high incidents of liability claims will cost more to insure than safer models.

The information below features car insurance premiums for a handful of the most cost-effective automobiles to buy insurance for.

Cheapest Vehicles to Insure in Sacramento, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 2WD $1,207
Honda CR-V LX 2WD $1,215
Volkswagen Jetta LE 4-Dr Sedan $1,276
Chevrolet Malibu Hybrid $1,284
Toyota Prius $1,311
Ford Edge SE 2WD $1,316
Ford Focus SES 4-Dr Sedan $1,326
Jeep Wrangler Rubicon 4WD 2-Dr $1,316
Hyundai Elantra GLS 4-Dr Sedan $1,342
Toyota Tacoma 4WD $1,349
Chevrolet Impala LS $1,359
Toyota Corolla XRS $1,367
Ford Fusion SEL 4-Dr Sedan $1,372
Hyundai Sonata GLS 4-Dr Sedan $1,370
Nissan Rogue S 2WD $1,377
Find Cheaper Rates Go

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Information does not factor in specific location which can increase or decrease premium rates considerably.

Based upon the table data, we can expect models like the Ford Escape, Honda CR-V, Volkswagen Jetta, and Chevrolet Malibu will be the less-costly vehicles to insure for postal employees.

Liability only or full coverage

Reducing premiums for car insurance should be important to the majority of vehicle owners, and one easy way to buy cheaper insurance for postal workers is to buy liability only. The example below shows the comparison of insurance prices with full physical damage coverage compared to only buying liability only. The data assumes no accidents or driving violations, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

Averaged for all ages 20 through 70, physical damage coverage costs an extra $2,467 per year more than just buying liability insurance. That is a large expense and it proposes the question when is it a good idea to stop buying full coverage. There isn’t a written rule to stop paying for comp and collision coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

Impact of careless driving on Sacramento car insurance rates

The easiest method to enjoy affordable car insurance premiums in Sacramento for postal employees is to be a good driver and avoid accidents and traffic violations. The information below demonstrates how speeding tickets and accident claims can influence insurance costs for different insured age categories. The premiums assume a single male driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.

The data in the chart shows the average cost of auto insurance per year with no accidents or violations is $3,147. Get one speeding ticket and the average cost swells to $3,548, an increase of $400 each year. Then throw in one accident along with the one speeding ticket and the 12-month cost of car insurance for postal workers goes up to an average of $4,673. That’s an increase of $1,526, or $127 per month, just for not being a responsible driver!

Picking the right insurance provider is difficult considering how many choices there are in Sacramento. The information listed below could help you choose which coverage providers you want to consider when comparing auto insurance rates for postal workers.

These rankings include the companies with a significant amount of written premium nationwide, so smaller companies are not taken into consideration for the list. If you’d like to compare prices from the most competitive companies in California, just click here.

Top Car Insurance Companies for Postal Workers in Sacramento, CA
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
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies