Who Has Affordable Car Insurance Quotes for Drivers Under 25 in Sacramento?

You have probably seen the ads from insurers like State Farm and The General that guarantee enormous savings, so you just need to choose any one of them, right?

It’s not that easy, however, as there are a ton of unknowns like the area you live in, the crash test ratings of your vehicle, the number of miles you drive each year, and if you have ever let your policy lapse, that help determine the price you have to pay. We will try to teach you about some of these topics and should give you a good start in finding the cheapest car insurance.

Locating low-cost auto insurance is hard enough, and figuring out which company quotes the lowest-priced auto insurance rates for drivers under 25 will involve additional perseverance. Each company uses slightly different criteria for establishing rates, so we’ll go over the overall cheapest auto insurance companies in Sacramento, CA.

We do need to point out that California auto insurance rates are determined by lots of factors that control the price you pay. Simply turning a year older, buying a new vehicle, or getting a speeding ticket may generate price changes that may make certain companies affordable when they were higher priced.

Best Insurance Companies for Young Drivers

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Who has the cheapest car insurance in California?
Rank Company Cost Per Year
1 USAA $1,143
2 CSAA $1,186
3 Wawanesa $1,192
4 Century National $1,214
5 Nationwide $1,263
6 21st Century $1,366
7 Grange $1,433
8 Mercury $1,488
9 Progressive $1,512
10 Allstate $1,513
11 GEICO $1,529
12 Allied $1,541
13 The Hartford $1,575
14 MetLife $1,590
15 Esurance $1,688
16 Unitrin $1,733
17 State Farm $1,750
18 Travelers $1,788
19 Bristol West $1,849
20 Farmers $2,026
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USAA may offer some of the lowest car insurance rates in Sacramento at around $1,143 each year. CSAA, Wawanesa, Century National, and Nationwide also rank well as some of the best Sacramento, CA insurance companies.

As depicted above, if you are a customer of CSAA and switched to USAA, you might see a yearly price reduction of approximately $43. Policyholders with Wawanesa may save as much as $49 a year, and Century National policyholders might lower prices by up to $71 a year.

If you want to find out if you’re overpaying, click here to start your custom quote or quote prices from the following companies.

These premium estimates are averages for all types of drivers and the different vehicles they drive and and are not calculated with an exact vehicle garaging location for drivers under 25. So the company that fits your needs best may not even be in the top 24 companies shown above. That underscores the importance of why you need to compare as many prices as possible using your own driver information and specific vehicle type.

The type of vehicle you are insuring is one of the largest factors that determines if you can find cheaper insurance for drivers under 25. Vehicles with lower acceleration and performance, good crash test ratings, or a track record of few liability claims will cost substantially less to insure than fast, unsafe models. The next list ranks auto insurance costs for a number of the most economical vehicles to insure in California.

Cheapest Vehicles to Insure in Sacramento, CA
Make, Model, and Trim Level Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $2,712
Ford Escape XLT 2WD $2,721
Honda Accord LX 4-Dr Sedan $2,712
Honda CR-V EX 4WD $2,752
Volkswagen Jetta S 2.5 Station Wagon $2,926
Toyota Prius $2,966
Dodge Grand Caravan SE $3,042
Ford F-150 XL Super Cab 4WD $3,047
Ford Explorer XLT AWD $3,042
Chevrolet Impala LS $3,175
Ford Edge Limited 2WD $3,180
Ford Focus SE 4-Dr Sedan $3,175
Chevrolet Malibu LS $3,216
Toyota RAV4 4WD $3,224
Chevrolet Silverado LS Regular Cab 2WD $3,251
Toyota Tacoma Double Cab 4WD $3,256
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $3,352
Toyota Corolla XLE $3,390
Honda Odyssey EX-L W/Rear Entertainment $3,400
Jeep Grand Cherokee SRT-8 4WD $3,430
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Premium data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in zip code location which can lower or raise price quotes considerably.

Based upon the rates shown, you can expect models like the Hyundai Elantra, Ford Escape, and Honda Accord are some of the less-costly vehicles to insure for drivers age 25 and younger. The cost of a car insurance policy will be more expensive because there is more claim exposure for drivers under 25, but in general those specific models will tend to have the cheapest rates compared to other types of vehicles.

For drivers age 25 and younger, one of the more important components that help determine the amount you pay for auto insurance is your zip code in Sacramento. Areas with a lot of weather claims or more people likely pay more, whereas less populated areas have the benefit of cheaper car insurance.

The illustration below lists the highest-priced areas in California for drivers under 25 to buy an auto insurance policy in. Sacramento is ranked at #5 costing $1,703 for the average policyholder, which is approximately $142 monthly.

Car insurance prices in Sacramento
Rank City Average Per Year
1 Los Angeles $2,146
2 Glendale $2,058
3 Oakland $1,738
4 San Francisco $1,711
5 Sacramento $1,703
6 Stockton $1,603
7 San Bernardino $1,580
8 Long Beach $1,578
9 Garden Grove $1,554
10 Santa Clarita $1,548
11 Modesto $1,547
12 Riverside $1,542
13 Moreno Valley $1,536
14 Fontana $1,535
15 Fresno $1,472
16 Santa Ana $1,439
17 Anaheim $1,430
18 San Jose $1,395
19 Huntington Beach $1,374
20 Bakersfield $1,353
21 Fremont $1,348
22 San Diego $1,340
23 Chula Vista $1,337
24 Irvine $1,330
25 Oxnard $1,318
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Premium amounts are estimated as the specific zip code location can revise price quotes greatly.

Do you need full coverage?

Reducing the cost of auto insurance is the goal of the majority of people, and a good way to buy cheap insurance for drivers under 25 is to not buy comprehensive and collision coverage. The example below compares car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The premium estimates are based on no accidents, no driving violations, $1,000 deductibles, single marital status, and no discounts are factored in.

Averaged out for all age groups, physical damage coverage on your policy costs an extra $2,003 per year more than carrying just liability coverage. That is a big expense that brings up the question if paying for full coverage is a waste of money. There is no exact rule of when to stop paying for full coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than around 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

There are some cases where dropping physical damage coverage is not recommended. If you still owe money on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not buy liability only.

What is the best auto insurance company in California?

Picking a good quality car insurance provider can be challenging considering how many companies sell insurance in California. The ranking data listed below could help you choose which providers to look at when comparing rates.

The rankings below include companies who write in the majority of U.S. states, so smaller regional companies are not factored into these rankings. If you wish to compare prices from the most competitive companies in California, simply click here.

Top 10 Major Auto Insurance Providers in Sacramento Ranked by A.M. Best Rating

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+

The example below illustrates how your deductible choice can impact insurance prices when getting quotes for cheap insurance for drivers under 25. The rate quotes are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.

In the chart above, a 50-year-old driver could pocket $420 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $634 by switching to a $1,000 deductible. Youthful drivers, like the Age 20 category, could lower their rates as much as $1,042 each year by selecting a higher deductible.

If you do decide to increase your deductibles, it will be necessary to have spare funds to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

If you would rather get some help when comparing insurance rates for drivers age 25 and younger, the agents listed below can aid you in deciding which car insurance company is the best fit. To find an auto insurance agency in your neighborhood, click the button link following the list or click here to compare price quotes.

Allstate Insurance: John Chandler
900 Jefferson Blvd #110West Sacramento, CA 95691(916) 374-1600

Farmers Insurance: Brewer Insurance Agency
6700 Freeport Blvd #101Sacramento, CA 95822(916) 424-4357

Nationwide Insurance: Wellco Insurance Agency Inc
6905 Stockton Blvd Ste 230Sacramento, CA 95823(916) 399-8113

More Sacramento, CA insurance agents

Tips for finding the cheapest auto insurance for drivers under 25

Lowering your rates is not difficult, and here are some thrifty solutions that can help California drivers locate low-cost coverage.

That last piece of advice is highly crucial, as we stressed in this piece. Prices charged by auto insurers can be modified anytime, so don’t be unwilling to buy a policy from a new company if a cheaper price is available.

Brand loyalty is great, but it’s not recommended if that stubbornness costs you hundreds of dollars year after year. It only takes a couple minutes to compare rates to find cheaper insurance for drivers under 25 in Sacramento.