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.
|Rank||City||Average Per Year|
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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.
|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|
|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
Insurance 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.
- State Farm discounts include driver’s education, accident-free, defensive driving training, anti-theft, and Steer Clear safe driver discount.
- Liberty Mutual policyholders can earn discounts including newly retired, hybrid vehicle, teen driver discount, new vehicle discount, and safety features.
- American Family may offer discounts for good driver, bundled insurance, early bird, multi-vehicle, good student, accident-free, and defensive driver.
- Progressive offers discounts for continuous coverage, multi-vehicle, multi-policy, online quote discount, and homeowner.
- Farmers Insurance has savings for early shopping, electronic funds transfer, good student, switch companies, youthful driver, and teen driver.
- Auto-Owners Insurance includes discounts for good student, multiple vehicles, paperless, student away at school, anti-lock brakes, and anti-theft.
- SAFECO offers premium reductions for teen safe driver, accident prevention training, homeowner, anti-lock brakes, drive less, and multi-car.
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
- AAA of Southern California
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
Top 10 Large Auto Insurers in Sacramento Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 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.
- Pay lower rates with good credit
- Drive attentively and avoid accidents
- Do not pay for comprehensive and collision coverage on older vehicles
- Raise deductibles
- Avoid speeding and other traffic citations and pay less
- Safer vehicles generally have cheaper insurance rates
- Comparison shop at least once a year
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 Blvd – Sacramento, CA 95823 – (916) 753-1480
State Farm Insurance: Max Lam
2840 Del Paso Rd #300 – Sacramento, CA 95834 – (916) 575-7600
Morelos Insurance Agency
5346 Madison Ave – Sacramento, CA 95841 – (916) 482-5500
Valley Surety Insurance
947 Enterprise Dr # A – Sacramento, CA 95825 – (916) 567-6676
Ken Perry – State Farm Insurance Agent
2724 24th St #200 – Sacramento, CA 95818 – (916) 452-6668