How Much are Auto Insurance Rates for Good Students in Sacramento?

The words “low-priced” and “insurance” really don’t belong together, especially when searching for the lowest insurance rates for good students. Because of the high cost, let’s learn about a few of the factors that have an impact on car insurance prices, and figure out some ways to cut the cost of your next policy.

The vehicle you are seeking coverage for is one of the biggest factors in finding the best cheap coverage for good students. Vehicles with lots of horsepower, poor passenger safety features, or a history of substantial liability claims will cost quite a bit more to insure than safer, lower-performance models.

The information below ranks car insurance prices for a selection of the cheapest vehicles to insure in California.

Cheapest Vehicles to Insure in Sacramento, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 4WD $5,251
Honda CR-V LX 2WD $5,259
Hyundai Elantra SE Touring Station Wagon $5,650
Volkswagen Jetta S 2.5 Station Wagon $5,660
Toyota Prius $5,706
Honda Odyssey LX $5,832
Ford Explorer XLT AWD $5,887
Ford F-150 XL Regular Cab 4WD $5,894
Ford Focus S 4-Dr Sedan $6,177
Toyota Tacoma 2WD $6,186
Chevrolet Impala LS $6,177
Chevrolet Equinox LT AWD $6,231
Jeep Grand Cherokee Laredo 2WD $6,241
Chevrolet Malibu Hybrid $6,231
Toyota RAV4 Limited 4WD $6,239
Dodge Grand Caravan SXT $6,288
Chevrolet Silverado LS Regular Cab 2WD $6,337
Jeep Wrangler Unlimited Sport 4WD 4-Dr $6,514
Toyota Camry SE $6,573
Ford Edge Sport AWD $6,582
Honda Civic Hybrid 4-Dr Sedan $6,630
Toyota Corolla XRS $6,635
GMC Sierra SLT Extended Cab 2WD $6,630
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Table data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in garaging location in Sacramento, CA which can revise auto insurance rates significantly.

Based on these rates, you can infer that vehicles like the Ford Escape, Honda CR-V, Hyundai Elantra, and Volkswagen Jetta are most likely going to be a few of the most budget-friendly vehicles to insure for student drivers.

One of the many factors that help determine the cost of insurance is where you normally keep your vehicle in Sacramento. Cities with larger populations tend to have higher auto insurance costs, whereas areas with less congestion get the luxury of paying less.

The information below shows the highest-priced areas in California for good students to buy car insurance in. Sacramento ranks #4 with a yearly premium of $1,720 for car insurance, which is approximately $143 per month.

How much is auto insurance in Sacramento, CA?
Rank City Annual Rate
1 Los Angeles $2,083
2 Glendale $2,079
3 San Francisco $1,763
4 Sacramento $1,720
5 Oakland $1,704
6 San Bernardino $1,644
7 Long Beach $1,610
8 Stockton $1,603
9 Santa Clarita $1,595
10 Garden Grove $1,570
11 Fontana $1,519
12 Moreno Valley $1,506
13 Fresno $1,502
14 Modesto $1,502
15 Riverside $1,482
16 Santa Ana $1,439
17 Anaheim $1,430
18 Huntington Beach $1,416
19 San Jose $1,395
20 Bakersfield $1,381
21 Fremont $1,348
22 Oxnard $1,344
23 San Diego $1,340
24 Chula Vista $1,337
25 Irvine $1,330
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Annual rates are estimated as zip code location can influence premiums substantially.

The example below illustrates how your deductible choice can raise or lower insurance premiums when quoting cheap insurance for good students. The data is based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.

A 30-year-old driver could reduce rates by $482 a year by switching from a $100 deductible up to a $500 deductible, or save $724 by choosing a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could save up to $1,068 or more just by using higher deductibles. If you do decide to increase your deductibles, it is necessary to have enough spare savings to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Discount Sacramento auto insurance rates

Save on car insurance for student drivers in SacramentoCar insurance companies that provide policies for good students may provide price discounts that could lower prices by as much as 40% or more if you are eligible for them. The best car insurance companies and a summarized list of policyholder discounts are:

The diagram below illustrates the comparison of insurance rates with and without discounts applied. The rates are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with vehicle safety, continuous coverage, paperless filing, anti-theft, paid-in-full, and good student discounts applied. When drivers qualify for the discounts, the average savings per year on car insurance for good students is 28% or $1,139.

Sacramento car insurance rates

California car insurance rates are determined by lots of factors that control the price of your policy. Simply improving your credit, increasing deductibles, or getting caught speeding may prompt premium changes that can cause some rates to be more affordable than competitors.

Not only may your situation change, but insurance companies file new rates as often as every quarter in order to be able to pay unexpected claims. A period of higher than normal claims can result in additional price hikes, while lower claims may produce lower-priced Sacramento car insurance rates.

To illustrate this point, the data below shows rates for the cheapest car insurance in Sacramento, CA for a 40-year-old male driver with a good driving record, no prior claims, and a decent credit rating. If we estimate rates based on his current rating profile, USAA has the cheapest car insurance rates in Sacramento at $1,470 a year. This is $181 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the rest of the best Sacramento, CA auto insurance companies.

The example below compares rates after we give the driver in the first example an accident claim, a lower credit rating, and a few traffic violations. Due to the fact that every insurance company has a proprietary formula to determine rates, analyzing rate quotes may now show a completely different list of the cheapest companies as shown below.

Grange now has the best insurance rate in Sacramento with Mercury, Progressive, Allied, and Allstate also being competitive. This shows why it is critical to spend some time comparing rates to get cheap car insurance rates for good students.

Car insurance prices are influenced by many factors and can change without notice, so the most economical option the last time you compared rates may now be one of the more expensive options.

How to find the cheapest auto insurance for good students

The list below shows many money-saving suggestions that can help you buy low-cost auto insurance.

The last suggestion is highly valuable, as was noted in this write-up. Prices charged by auto insurers go up and down frequently, so don’t be tentative to buy from a different company if a lower-cost policy is available. Many drivers have brand loyalty and that’s fine, but it’s not a great idea if your bullheadedness ends up costing you hundreds of dollars a year. Take a few minutes and compare prices and find cheaper car insurance for good students in Sacramento.

If you prefer to get help from a professional when shopping for cheaper insurance for good students, the insurance agencies below can most likely help you make a decision which car insurance policy is best. To locate a Sacramento car insurance agency in your neighborhood, click the button at the bottom or click here to get price quotes now.

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