What Auto Insurance is Cheapest for Drivers with a Bad Driving Record in Sacramento?

For bad drivers, one of the largest considerations that aid in calculating the cost of insurance is where you normally keep your vehicle. Areas with more people or higher crime rates will most likely have higher rates, whereas areas that tend to be more rural have the luxury of lower rates.

The table below rates the priciest cities in California for drivers with a bad driving record to purchase car insurance in. Sacramento shows up at #5 with an annual cost of $1,652 for coverage, which is approximately $138 each month.

Car insurance prices in Sacramento
Rank City Average Per Year
1 Los Angeles $2,146
2 Glendale $2,121
3 Oakland $1,755
4 San Francisco $1,745
5 Sacramento $1,652
6 Fontana $1,581
7 San Bernardino $1,580
8 Long Beach $1,562
9 Moreno Valley $1,551
10 Santa Clarita $1,548
11 Modesto $1,547
12 Stockton $1,541
13 Riverside $1,527
14 Fresno $1,517
15 Garden Grove $1,508
16 Santa Ana $1,483
17 Anaheim $1,444
18 San Jose $1,423
19 Huntington Beach $1,374
20 Fremont $1,348
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Information shown are comparative as the garaging address in Sacramento can raise or lower premium rates substantially.

The car, truck, or SUV requiring insurance is one of the main factors that determines whether or not you find low-cost auto insurance for drivers with a bad driving record. Vehicles with high performance engines, a lack of advanced safety features, or a high likelihood of having liability claims will cost significantly more to insure than safer, lower-performance models.

The data below estimates insurance prices for a selection of the most budget-friendly vehicles to insure.

Cheapest Vehicles to Insure in Sacramento, CA
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $4,690
Honda Accord EX 4-Dr Sedan $4,697
Ford Escape XLS 2WD $4,690
Toyota Prius $5,052
Ford Edge SE 2WD $5,182
Jeep Grand Cherokee Laredo 4WD $5,331
Toyota Tacoma 2WD $5,488
Toyota RAV4 Limited 2WD $5,493
Chevrolet Malibu Hybrid $5,498
Toyota Corolla XLE $5,574
Ford F-150 XLT Crew Cab 4WD $5,610
Ford Explorer Limited 2WD $5,620
Dodge Grand Caravan Crew $5,610
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Data assumes single male driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Table data does not factor in garaging location in Sacramento, CA which can modify coverage prices greatly.

Based upon the table data, we can expect vehicles like the Honda CR-V, Honda Accord, and Ford Escape will be the cheapest vehicles to insure for bad drivers. The price of auto insurance will be more costly because there is more exposure for drivers with a bad driving record, but in general those vehicles will have the cheapest auto insurance rates compared to other types of vehicles.

Get discount Sacramento auto insurance rates

Save on car insurance for bad drivers in SacramentoInsurance companies that provide coverage for drivers with a bad driving record may provide special discounts that can lower rates by as much as 40% or more if you can meet the requirements. Large car insurance companies and the discounts they provide are outlined below.

The diagram below visualizes the comparison of auto insurance rates with and without discounts applied. Data assumes a male driver, two accidents and three citations, 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 lower bar shows the rates with continuous coverage, homeowner, marriage, paperless filing, multiple policy, and paid-in-full discounts applied. When these discounts are applied, theaverage yearly reduction on car insurance for drivers with a bad driving record is 29% or $2,838.

Drive responsibly or pay higher rates

A great way to score good car insurance rates in California for bad drivers is to drive carefully and avoid at-fault accidents and violations. The information below highlights how speeding tickets and at-fault fender-benders can influence car insurance rates for each different age group. The information is based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

In the prior example, the average cost of an auto insurance policy in Sacramento per year with a clean driving record and no accidents is $2,882. Get written up for two speeding tickets and the average cost increases to $3,996, an increase of $1,114 each year. Then add one accident along with the two speeding tickets and the yearly cost of car insurance for drivers with a bad driving record jumps again to an average of $5,138. That’s an increase of $2,256, or $188 per month, just for not maintaining a clean driving record!

Best car insurance in Sacramento

Picking a highly-rated car insurance company is difficult considering how many companies sell coverage in California. The rank data displayed below could help you select which auto insurance companies to look at purchasing a policy from. These rankings only include the companies with a significant amount of written premium nationwide, so companies with more of a regional focus will not be included in these rankings.

Top 10 Large Auto Insurers in Sacramento Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

Top 10 Large Auto Insurers in Sacramento Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

How to find budget-friendly insurance for drivers with a bad driving record

It is possible to find better rates, and here are some thrifty solutions that can help drivers quote more affordable coverage.

The last suggestion is highly necessary, as we discussed in the article above. Car insurance prices can change considerably based on profitability, so don’t be unwilling to buy a policy from a new company if a lower-cost policy is available. Staying with the same car insurance company is fine, but it isn’t a good idea if that inflexibility results in costing you a lot of money. Now is a great time to compare prices and find cheaper insurance for drivers with a bad driving record in Sacramento.

The agencies below can most likely aid you in deciding which insurance coverage you need, as some drivers wish to have a consultation when trying to find lower insurance rates for bad drivers. It can be hard to find the best rates on your own, so using a licensed agent can bring satisfaction knowing your policy gives you adequate protection in the event of a claim. To locate a Sacramento car insurance agency in your neighborhood, click the button link following the list.

Schmoekel Insurance Inc
7558 Stockton BlvdSacramento, CA 95823(916) 753-1480

State Farm Insurance: Max Lam
2840 Del Paso Rd #300Sacramento, CA 95834(916) 575-7600

Morelos Insurance Agency
5346 Madison AveSacramento, CA 95841(916) 482-5500

Valley Surety Insurance
947 Enterprise Dr # ASacramento, CA 95825(916) 567-6676

Ken Perry – State Farm Insurance Agent
2724 24th St #200Sacramento, CA 95818(916) 452-6668

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