What Insurance is Cheapest for a 20 Year Old Male in Sacramento?

One of the more important considerations that determine the amount you pay each year for auto insurance is where you keep your vehicle in Sacramento. Regions with larger populations or more claims are more likely to pay higher prices, whereas more rural areas have the luxury of lower rates.

The information below shows the most expensive places in California for 20 year old guys to purchase a policy in. Sacramento makes the list at #5 with an annual cost of $1,703 for the average insurance policy, which is around $142 per month.

How much does car insurance cost in Sacramento, CA?
Rank City Annual Rate
1 Los Angeles $2,168
2 Glendale $2,058
3 San Francisco $1,763
4 Oakland $1,704
5 Sacramento $1,703
6 San Bernardino $1,628
7 Santa Clarita $1,580
8 Long Beach $1,578
9 Fontana $1,566
10 Stockton $1,556
11 Modesto $1,547
12 Moreno Valley $1,536
13 Garden Grove $1,524
14 Fresno $1,502
15 Santa Ana $1,497
16 Riverside $1,482
17 Anaheim $1,430
18 Huntington Beach $1,416
19 Fremont $1,389
20 Bakersfield $1,381
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Table data uses comparative as specific Sacramento garaging address can modify premiums substantially.

Finding low-priced auto insurance is difficult, and figuring out which company has the most affordable car insurance rates for 20 year old guys requires more quotes for comparison.

Each insurer has their own guidelines to set their prices, so let’s rank the car insurance companies with the most affordable rates in California. It’s important that you understand Sacramento, CA car insurance rates are influenced by many factors which can substantially change the policy premium. This price variation is why it is important to do a thorough rate comparison when trying to find the best auto insurance quotes for 20 year old guys. Insurance rates consist of many risk factors and change substantially, so the most affordable company a year ago may now not even be in the top five.

Best Cheap Insurance Rates for Men Age 20

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USAA generally has some of the most affordable car insurance rates in Sacramento at around $1,109 a year. Wawanesa, Century National, CSAA, and Nationwide would also make the list of some of the cheapest Sacramento, CA car insurance companies.

As shown in the table above, if you are insured with CSAA and switched to Wawanesa, you might realize a yearly price reduction of roughly $29. Policyholders with Nationwide might save as much as $93 a year, and 21st Century customers might reduce prices by as much as $181 a year.

To find cheaper insurance rates for your vehicle, click here to start your free quote or quote prices from the following companies.

Be aware that those policy prices are averaged for all drivers and vehicles and and are not figured with a specific location for 20 year old guys. So the auto insurance company that fits your situation best may not even be in the list above. That illustrates why you need to compare rates from as many companies as possible using your own driver data and vehicle information.

The type of vehicle you are trying to insure is a significant factor that determines whether or not you find cheaper car insurance for 20 year old guys. Vehicles with reasonable performance levels, modern passenger safety features, or a low likelihood of having liability claims will cost significantly less to insure than adrenaline junky models.

The table below outlines coverage prices for a selection of the cheaper automobiles to insure.

Cheapest Vehicles to Insure in Sacramento, CA
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $3,440
Honda CR-V LX 4WD $3,445
Ford Escape XLS 4WD $3,440
Hyundai Elantra SE Touring Station Wagon $3,749
Ford F-150 XLT Regular Cab 2WD $3,778
Toyota Prius $3,801
Ford Explorer XLT AWD $3,829
Chevrolet Impala LS $4,035
Ford Focus S 4-Dr Sedan $4,043
Honda Odyssey EX W/Rear Entertainment $4,035
Ford Edge SEL AWD $4,042
Volkswagen Jetta SE 2.5 Station Wagon $4,056
Toyota RAV4 Sport 2WD $4,087
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Premium data assumes single male driver age 20, 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 influence rates significantly.

Looking at the data, we can tell that cars like the Honda Accord, Honda CR-V, Ford Escape, and Hyundai Elantra should be some of the most budget-friendly vehicles to insure for young men. The cost of auto insurance will trend higher just because there is a higher risk for 20 year old guys, but generally speaking those makes and models will have the cheapest rates that you are likely to find.

How accidents and violations affect rates

The easiest way to find the cheapest car insurance prices in California for young men is to be a safe driver and not have accidents or get tickets. The illustration below illustrates how violations and at-fault accidents drive up auto insurance rates for each age group. The costs are based on a married male driver, full coverage, $500 deductibles, and no other discounts are factored in.

In the previous chart, the average cost of a car insurance policy in Sacramento per year with no accidents and a clean driving record is $1,768. Get two speeding tickets and the average cost hikes up to $2,437, an increase of $669 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of car insurance for 20 year old guys jumps again to an average of $5,042. That’s an increase of $3,274, or $273 per month, just for not driving attentively!

How much more does full coverage cost in Sacramento?

Lowering the price of car insurance is probably important to most drivers, and one of the easiest ways to buy cheap insurance for 20 year old guys is to only buy liability coverage. The example below compares insurance rates with liability coverage only compared to full coverage. The rate quotes are based on no tickets, no at-fault accidents, $250 deductibles, single status, and no discounts are applied.

Averaged for all ages 20 through 70, comprehensive and collision coverage on your policy costs an additional $2,558 per year more than carrying just liability coverage. That amount may make you wonder if buying full coverage is a waste of money. There is no set guideline that is best for determining when to drop physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your vehicle’s book value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $5,000 after paying your policy deductible. If premium cost is more than $500 annually for full coverage, then it’s probably a good time to buy liability coverage only.

The importance of comparing Sacramento car insurance rates

California car insurance rates are impacted by many factors that may substantially change the policy price. Simply having another birthday, buying a new vehicle, or getting a couple of tickets can trigger changes in premium resulting in some companies being more affordable than others. In addition to those changes, car insurance companies modify pricing without warning to ensure their profitability. Higher than normal claims may result in price increases, while long-term profits can result in lower-cost Sacramento car insurance rates.

For example, the chart below analyzes the cheapest car insurance in Sacramento, CA for a 45-year-old male driver with no accidents or violations, and a high credit rating. If we estimate rates based on his personal profile, USAA has the best car insurance rates in Sacramento at $1,485 annually. This is $166 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also on the list of the best Sacramento, CA auto insurance companies.

The next chart shows rates after we give the driver from the first example an at-fault accident, a lower credit rating, and a few traffic violations. Since every insurance provider uses their own method to determining premium rates, comparing insurance quotes could now result in a significantly different list of the cheapest car insurance companies in Sacramento as shown below.

Grange now has the lowest price on auto insurance in Sacramento, CA with Allstate, GEICO, Progressive, and Mercury also having competitive pricing. This example illustrates why drivers need to compare lots of rates when trying to get the most economical auto insurance rates for 20 year old guys.

Car insurance prices can be determined by many factors and change substantially, so the most affordable company two years ago may now be wasting a lot of money.