What Car Insurance is Cheapest for Business Use in Sacramento?

For using your car for business, one of the largest criteria that are looked at to help calculate the cost of insurance is your address. Areas with more people or higher crime rates tend to have higher auto insurance costs, whereas areas with less crime or weather claims tend to receive cheaper rates.

The following table lists the most expensive cities in California for business use to purchase car insurance in. Sacramento makes the list at #5 with an annual rate of $1,669 for the average policyholder, which is about $139 each month.

How much is auto insurance in Sacramento, CA?
Rank City Premium Per Year
1 Los Angeles $2,146
2 Glendale $2,142
3 Oakland $1,704
4 San Francisco $1,693
5 Sacramento $1,669
6 Long Beach $1,626
7 San Bernardino $1,580
8 Stockton $1,556
9 Moreno Valley $1,551
10 Modesto $1,547
11 Fontana $1,535
12 Santa Clarita $1,533
13 Fresno $1,517
14 Garden Grove $1,508
15 Santa Ana $1,497
16 Riverside $1,482
17 Anaheim $1,430
18 Huntington Beach $1,402
19 San Jose $1,395
20 Bakersfield $1,394
21 Irvine $1,384
22 San Diego $1,368
23 Fremont $1,348
24 Chula Vista $1,337
25 Oxnard $1,304
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Prices are approximated as the specific Sacramento residence address can change premiums noticeably.

Finding dependable, reasonably-priced car insurance is hard enough, and figuring out which companies quote the cheapest auto insurance rates for business use involves even more rate comparisons. Each insurer uses slightly different criteria for determining rates in each state, so let’s begin by examining the auto insurance companies that tend to be cheaper in Sacramento.

It’s important to know that Sacramento, CA auto insurance rates are determined by lots of factors that control the policy price. This price variation is why consumers need to take the time to do a thorough rate comparison to get affordable insurance rates for business use. Auto insurance prices are determined by many things and can change substantially, so the best price the last time you shopped your coverage around may now be costing you a lot of money.

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Cheapest auto insurance in California ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,146
3 Century National $1,178
4 CSAA $1,186
5 Nationwide $1,263
6 21st Century $1,379
7 Grange $1,491
8 Allstate $1,513
9 GEICO $1,529
10 Mercury $1,533
11 Allied $1,541
12 Progressive $1,542
13 MetLife $1,638
14 The Hartford $1,639
15 State Farm $1,699
16 Unitrin $1,699
17 Esurance $1,705
18 Bristol West $1,795
19 Travelers $1,842
20 Farmers $1,966
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USAA has some of the best car insurance rates in Sacramento at around $1,121 a year. This is $530 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the more affordable Sacramento, CA car insurance companies.

As shown in the table above, if you are a customer of CSAA and switched to Wawanesa, you might realize annual savings of upwards of $40. Policyholders with Nationwide might save as much as $117 a year, and 21st Century policyholders might lower prices by $233 a year.

If you want to see how much you could save, click here to start your free quote or quote prices from the following companies.

Understand that those premium estimates are averages for all ages of drivers and types of vehicles and and are not figured with an exact vehicle garaging location for business use. So the auto insurance company that fits your age and vehicle best may not even be in the top 24 companies in the list above. That is why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.

Do you need full coverage?

Paying less for auto insurance is important to most drivers, and one of the quickest ways to lower the cost of insurance for business use is to not pay for full coverage. The information below illustrates the difference between insurance costs with liability coverage only compared to full coverage. The premiums assume no violations or accidents, $500 deductibles, single marital status, and no discounts are taken into consideration.

If we average all the age groups together, full coverage costs $2,273 per year more than just buying liability insurance. Many of you may wonder if full coverage is worth the money. There is no specific rule that is best for determining when to drop physical damage coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

Impact of violations and accidents on rates in Sacramento

The common sense way to snag the cheapest auto insurance prices for using your car for business is to drive safely and avoid getting tickets or having accidents. The chart below illustrates how speeding tickets and fender-benders raise car insurance rates for each age group. The premiums are based on a married female driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

The data charted above shows the average cost of auto insurance per year with no violations or accidents is $1,418. Get written up for one speeding ticket and the average cost hikes up to $1,657, an increase of $239 each year. Next add one accident along with the one speeding ticket and the annual cost of auto insurance for business use jumps again to an average of $2,313. That’s an increase of $895, or $75 per month, just for not driving carefully!

Types of discounts on Sacramento car insurance

Save on auto insurance for using your car for business in SacramentoAuto insurance companies that offer cheap quotes for business use could also offer policy discounts that can reduce rates by as much as 35% or more if you are eligible to receive them. A few popular companies and some of the discounts are:

The chart below compares car insurance rates with and without discounts applied. The costs are based on a female driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with accident-free, passive restraint, multiple policy, homeowner, claim-free, and multiple vehicle discounts applied. When discounts are applied, theaverage yearly reduction on auto insurance for business use is 28% or $662.

If you aren’t sure which coverage you need and prefer to get some guidance when shopping for cheaper insurance for using your car for business, the professional agents shown below are a good start to provide answers to your questions and help you determine which coverage meets your needs best.

To find an auto insurance agency using an interactive map, click the button below the list.

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