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
| 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 |
| Find Cheaper Rates Go | ||
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.
| 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 |
| Start a Quote Go | |
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.
| 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 |
| Start a Quote Go | ||
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
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- 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 #110 – West Sacramento, CA 95691 – (916) 374-1600
Farmers Insurance: Brewer Insurance Agency
6700 Freeport Blvd #101 – Sacramento, CA 95822 – (916) 424-4357
Nationwide Insurance: Wellco Insurance Agency Inc
6905 Stockton Blvd Ste 230 – Sacramento, 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.
- Bundle home or renters insurance to earn a discount on car insurance
- Raise physical damage deductibles
- Pay for smaller claims out-of-pocket
- Higher credit scores can equal lower rates
- Do not get into accidents
- Just one traffic violation will increase your rates
- Compare rates often to find the best deal
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.