The vehicle that needs insurance is a large consideration in finding cheap insurance for high risk drivers. Vehicles with limited top-end speed, advanced safety features, or low incidents of liability claims will cost much less to insure than high performance models. The next list showcases coverage rates for a number of the most affordable automobiles to insure in California.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $4,374 |
| Hyundai Elantra GLS Touring Station Wagon | $4,484 |
| Honda Accord EX 4-Dr Sedan | $4,493 |
| Ford Escape Limited 2WD | $4,537 |
| Toyota Prius | $4,711 |
| Ford Explorer XLT 2WD | $4,728 |
| Chevrolet Equinox LS AWD | $4,951 |
| Dodge Grand Caravan SXT | $4,998 |
| Honda Civic EX 4-Dr Sedan | $5,125 |
| Toyota Corolla LE | $5,174 |
| Honda Odyssey EX-L W/Rear Entertainment | $5,179 |
| Toyota Camry XLE | $5,174 |
| Toyota RAV4 Limited 2WD | $5,184 |
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Table data represents single female driver age 50, two speeding tickets, two at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in specific location which can affect prices greatly.
By looking at the data, you can figure that cars like the Honda CR-V, Hyundai Elantra, Honda Accord, and Ford Escape will be the less-costly vehicles to insure for high risk drivers. The cost of a car insurance policy will be more costly because of the fact that there is a higher risk for high risk drivers, but in general those models will most likely have the cheapest car insurance rates possible.
One of the many components that are used to help calculate the amount you pay each year for auto insurance is your zip code in Sacramento. Larger areas tend to have higher rates, whereas areas that tend to be more rural receive better rates.
The table below shows the most expensive places in California for high risk drivers to purchase auto insurance in. Sacramento ranks #5 with the annual price of $1,669 for car insurance, which is about $139 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,083 |
| 3 | San Francisco | $1,711 |
| 4 | Oakland | $1,687 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,644 |
| 7 | Stockton | $1,588 |
| 8 | Fontana | $1,581 |
| 9 | Santa Clarita | $1,580 |
| 10 | Long Beach | $1,562 |
| 11 | Moreno Valley | $1,551 |
| 12 | Garden Grove | $1,508 |
| 13 | Modesto | $1,487 |
| 14 | Santa Ana | $1,483 |
| 15 | Riverside | $1,482 |
| 16 | Fresno | $1,457 |
| 17 | Anaheim | $1,430 |
| 18 | Huntington Beach | $1,402 |
| 19 | San Jose | $1,395 |
| 20 | Fremont | $1,389 |
| 21 | San Diego | $1,381 |
| 22 | Irvine | $1,343 |
| 23 | Bakersfield | $1,340 |
| 24 | Oxnard | $1,318 |
| 25 | Chula Vista | $1,311 |
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Annual rates are estimated as the specific zip code location can decrease or increase insurance rates significantly.
Locating low-priced car insurance is not the easiest thing to do, and finding out which company quotes the most affordable auto insurance rates for high risk drivers will take even more diligence.
Each auto insurer uses different criteria for determining rates in each state, so we need to take a look at the auto insurance companies with the overall cheapest rates in Sacramento, CA.
Best Insurance Companies for Risky Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,488 |
| 9 | Progressive | $1,496 |
| 10 | Allstate | $1,513 |
| 11 | GEICO | $1,559 |
| 12 | The Hartford | $1,591 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,654 |
| 15 | State Farm | $1,682 |
| 16 | Esurance | $1,705 |
| 17 | Unitrin | $1,733 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,795 |
| 20 | Farmers | $2,006 |
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USAA has some of the best car insurance rates in Sacramento at around $1,109 per year. Wawanesa, Century National, CSAA, and Nationwide are also some of the best Sacramento, CA car insurance companies.
As illustrated above, if you buy coverage from Wawanesa and switched to USAA, you may realize a yearly price reduction of about $37. Policyholders with Century National might save as much as $81 a year, and CSAA customers might reduce rates by $113 a year.
To discover how much you can save, click here to start a quote or quote rates from the companies below.
Bear in mind that those policy prices are averages for all drivers and vehicles in California and and are not figured with a vehicle location for high risk drivers. So the car insurance company that can offer you the best price may not even be in the list above. That affirms the importance of why you need to compare prices as often as possible using your own specific driver and vehicle information.
Does it make sense to buy full coverage?
Paying less for auto insurance is probably important to the majority of drivers, and a great way to pay less for insurance for high risk drivers is to only buy liability coverage. The information below compares insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The premiums assume no tickets, no at-fault accidents, $1,000 deductibles, single marital status, and no other discounts are factored in.
If averaged for all ages, full coverage on your policy costs $2,467 per year over liability only. Many drivers may wonder if you should buy full coverage. There is no clear-cut rule of when to phase out physical damage coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
Insuring your vehicle with the right auto insurance company can be rather challenging considering how many companies sell coverage in California. The company rank data shown below can help you decide which providers you want to consider comparing prices from.
These ratings only include major nationwide insurance companies, so companies without a large exposure are not included in these rankings. To view rates from these and other competitive companies, click here.
Top 10 Large Auto Insurers Overall in Sacramento
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Get discount Sacramento auto insurance
Auto insurance companies that offer coverage for high risk drivers may provide discounts that could lower prices by 35% or more if you are eligible for them. Popular auto insurance companies and a selection of discounts are outlined below.
- State Farm may have discounts that include driver’s education, passive restraint, good driver, student away at school, and safe vehicle.
- Liberty Mutual includes discounts for exclusive group savings, safety features, new move discount, multi-car, and newly retired.
- American Family has discounts for multi-vehicle, defensive driver, early bird, TimeAway discount, Steer into Savings, mySafetyValet, and good driver.
- Progressive offers premium reductions for online quote discount, homeowner, continuous coverage, good student, online signing, and multi-policy.
- Farmers Insurance policyholders can earn discounts including pay in full, business and professional, mature driver, teen driver, and youthful driver.
- Auto-Owners Insurance has savings for air bags, multiple vehicles, anti-lock brakes, paperless, group or association, student away at school, and teen driver.
- SAFECO offers discounts for anti-lock brakes, multi-car, accident prevention training, homeowner, anti-theft, teen safety rewards, and drive less.
The illustration below shows the comparison of yearly insurance costs with and without discounts applied to the policy premium. The data is based on a female driver, one violation and one at-fault accident, 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 marriage, continuous coverage, vehicle safety, paid-in-full, passive restraint, and paperless filing discounts applied. When these discounts are applied to the policy premium, theaverage amount saved on auto insurance for high risk drivers is 28% or $1,368.