Who Has Affordable Sacramento Auto Insurance for Uninsured Drivers?

One of the more important things that determine the annual cost of car insurance is where you keep your car in Sacramento. Regions with more people or even just more weather-related claims will most likely have higher rates, whereas areas with less crime or weather claims receive better rates.

The following table rates the most costly cities in California for uninsured drivers in which to buy car insurance. Sacramento is ranked at #5 with the yearly price of $1,652 for the average insurance policy, which is around $138 per month.

Car insurance prices in Sacramento
Rank City Average Per Year
1 Glendale $2,142
2 Los Angeles $2,083
3 Oakland $1,704
4 San Francisco $1,693
5 Sacramento $1,652
6 San Bernardino $1,628
7 Santa Clarita $1,595
8 Stockton $1,588
9 Fontana $1,581
10 Long Beach $1,578
11 Garden Grove $1,554
12 Modesto $1,547
13 Riverside $1,542
14 Moreno Valley $1,536
15 Anaheim $1,488
16 Fresno $1,472
17 Santa Ana $1,453
18 San Jose $1,423
19 Huntington Beach $1,416
20 Fremont $1,403
21 Bakersfield $1,394
22 Irvine $1,371
23 Oxnard $1,358
24 San Diego $1,340
25 Chula Vista $1,298
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Rates are comparative as the specific garaging location can alter coverage prices significantly.

Finding low-cost insurance is tough enough, and deciding which companies have the best insurance rates for uninsured drivers may require a bit more work.

Each insurer uses their own calculation for filing rates in each state, so we’ll go over the insurance companies that tend to be cheaper in Sacramento, CA.

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Who has the cheapest car insurance in California?
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,157
3 Century National $1,178
4 CSAA $1,198
5 Nationwide $1,213
6 21st Century $1,338
7 Grange $1,477
8 Mercury $1,488
9 Progressive $1,496
10 GEICO $1,529
11 Allstate $1,543
12 Allied $1,556
13 The Hartford $1,575
14 MetLife $1,654
15 State Farm $1,682
16 Unitrin $1,699
17 Esurance $1,705
18 Bristol West $1,795
19 Travelers $1,842
20 Farmers $2,026
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USAA may offer some of the cheapest car insurance rates in Sacramento at around $1,143 a year. Wawanesa, Century National, CSAA, and Nationwide are also some of the cheaper Sacramento, CA car insurance companies.

As shown in the rates above, if you are a policyholder with Century National and switched to USAA, you could realize a yearly savings of in the neighborhood of $35. Insureds with CSAA could save as much as $55 a year, and Nationwide policyholders might realize rate reductions of up to $70 a year.

These rates are averaged across all types of drivers and the different vehicles they drive and and are not calculated with an exact vehicle garaging location for uninsured drivers. So the company that fits your needs best may not even be in the top 24 companies in the list above. That underscores the importance of why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

The vehicle model requiring coverage is one of the main factors when consumers are trying to find the best auto insurance for uninsured drivers. Vehicles with high performance engines, poor passenger safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than safer, lower-performance models. The list below illustrates coverage costs for a selection of the most budget-friendly automobiles to insure in California.

Cheapest Vehicles to Insure in Sacramento, CA
Make and Model Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $1,468
Ford Escape XLT 4WD $1,502
Honda CR-V LX 2WD $1,515
Chevrolet Impala LS $1,562
Chevrolet Equinox LS 2WD $1,593
Dodge Grand Caravan Hero $1,603
Toyota RAV4 Sport 4WD $1,593
Toyota Prius $1,632
Volkswagen Jetta S 2.5 Station Wagon $1,640
Ford Focus SEL 4-Dr Sedan $1,648
Honda Odyssey EX-L $1,679
Nissan Altima Hybrid 4-Dr Sedan $1,708
Ford Edge Limited 2WD $1,714
Chevrolet Malibu LTZ $1,708
Jeep Wrangler Rubicon 4WD 2-Dr $1,711
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can lower or raise auto insurance rates substantially.

Based upon the rates shown, you can infer that vehicles like the Hyundai Elantra, Ford Escape, and Honda CR-V will be the more affordable vehicles to insure for drivers with no prior coverage.

Impact of careless driving on insurance rates

The easiest way to earn good insurance premiums in California for drivers with no prior coverage is to drive attentively and avoid accidents and traffic citations. The chart below shows how violations and at-fault claims impact annual premium costs for different age groups of insureds. The premiums are based on a single female driver, full coverage, $100 deductibles, and no policy discounts are applied.

The data charted above shows the average cost of an auto insurance policy in Sacramento per year with no accidents and a clean driving record is $3,204. Get written up for two speeding tickets and the average cost hikes up to $4,318, an increase of $1,114 each year. Now add in one accident along with the two speeding tickets and the 12-month cost of insurance for uninsured drivers increases to an average of $5,460. That’s an increase of $2,256, or $188 per month, just for not being a responsible driver!

Get discount Sacramento car insurance

Insurance for drivers with no prior coverage in Sacramento, CACar insurance companies that offer quotes for uninsured drivers may have premium discounts that could lower prices by 25% or more if you are eligible to receive them. Large insurance companies and some of the premium reductions they offer include:

The chart below shows the difference between insurance rates with and without discounts. The premium estimates are based on a female driver, no accidents or driving violations, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with safe-driver, passive restraint, claim-free, anti-theft, marriage, and accident-free discounts applied. When drivers take advantage of discounts, theaverage amount saved on insurance for uninsured drivers is 28% or $747.

How to find cheaper insurance for uninsured drivers

It is possible to find better rates, and here are some of the recommended money-saving ideas that can help drivers quote more affordable auto insurance.

That final tip is very valuable, as we pointed out in this piece. Coverage prices can change considerably based on profitability, so don’t be tentative to change insurance companies if you can find a cheaper rate. Loyalty to a specific company is fine, but it isn’t a good idea if that inflexibility results in costing you a lot of money. If you have a few minutes, shop around and find cheaper insurance for uninsured drivers in Sacramento.