Who Has Cheap Sacramento Auto Insurance Rates for a Learners Permit?

For new drivers, one of the more important criteria that aid in calculating the amount you pay each year for auto insurance is where you call home. Areas with more people or more claims tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.

The illustration below sorts the most expensive places in California for a learners permit in which to purchase auto insurance. Sacramento makes the list at #5 having an annual price of $1,703 for the average insurance policy, which is approximately $142 each month.

How much does car insurance cost in Sacramento, CA?
Rank City Annual Rate
1 Los Angeles $2,146
2 Glendale $2,058
3 Oakland $1,755
4 San Francisco $1,711
5 Sacramento $1,703
6 San Bernardino $1,628
7 Stockton $1,603
8 Santa Clarita $1,580
9 Long Beach $1,578
10 Moreno Valley $1,551
11 Riverside $1,542
12 Modesto $1,532
13 Garden Grove $1,524
14 Fontana $1,519
15 Fresno $1,517
16 Santa Ana $1,497
17 Anaheim $1,444
18 San Jose $1,437
19 Bakersfield $1,381
20 Huntington Beach $1,374
21 Irvine $1,371
22 San Diego $1,368
23 Fremont $1,348
24 Oxnard $1,318
25 Chula Vista $1,298
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Premium amounts are estimated as zip code location can impact coverage prices noticeably.

Deciphering which companies offer the most affordable insurance rates for a learners permit will involve a little more sweat than just picking a company at random. Each insurance company used slightly different criteria to determine premium rates, so let’s look at the rankings for the lowest cost insurance companies in Sacramento, CA.

It’s important that you understand California insurance rates are impacted by many things which can substantially change the cost of coverage. Getting older, buying a different home, or having an at-fault accident can produce rate changes resulting in some companies being more affordable than the competition.

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Rankings for the cheapest car insurance companies in California
Rank Company Cost Per Year
1 USAA $1,155
2 CSAA $1,186
3 Wawanesa $1,192
4 Century National $1,226
5 Nationwide $1,250
6 21st Century $1,366
7 Grange $1,477
8 Allstate $1,497
9 Mercury $1,533
10 Progressive $1,542
11 GEICO $1,559
12 The Hartford $1,575
13 Allied $1,603
14 MetLife $1,638
15 Unitrin $1,682
16 State Farm $1,699
17 Esurance $1,756
18 Bristol West $1,795
19 Travelers $1,860
20 Farmers $1,946
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USAA normally has some of the most affordable car insurance rates in Sacramento at around $1,155 annually. This is $496 less than the average premium paid by California drivers of $1,651. CSAA, Wawanesa, Century National, and Nationwide also qualify as some of the best Sacramento, CA insurance companies.

As depicted above, if you currently buy coverage from Nationwide and switched to CSAA, you could see a yearly price reduction of in the neighborhood of $64. Policyholders with 21st Century could save as much as $180 a year, and Grange insureds might cut rates by $291 a year.

If you would like to find cheaper car insurance rates, click here to start your free quote or quote prices from the following companies.

Bear in mind that those prices are averages for all types of insureds and vehicles and and are not figured with an exact zip code location for a learners permit. So the insurer that is best suited for you may not even be in the top 24 companies in the list above. That emphasizes why you need to get auto insurance quotes using your own specific driver and vehicle information.

The make and model of vehicle that is being insured is probably the biggest factor when trying to find the best cheap car insurance for a learners permit. Vehicles with higher performance, poor crash test ratings, or an increased likelihood of liability claims will cost significantly more to insure than more modest models.

The information below shows car insurance rates for some of the most affordable vehicles to buy insurance for.

Cheapest Vehicles to Insure in Sacramento, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 4WD $5,129
Ford Escape XLT 4WD $5,183
Honda Accord EX-L 4-Dr Sedan $5,518
Toyota Prius $5,572
Honda Odyssey LX $5,699
Ford Explorer XLT 2WD $5,752
Ford F-150 STX Regular Cab 4WD $5,757
Honda Civic DX 4-Dr Sedan $6,034
Toyota Tacoma 2WD $6,039
Ford Focus SE 4-Dr Sedan $6,034
Chevrolet Equinox LS 2WD $6,088
Volkswagen Jetta LE 4-Dr Sedan $6,096
Dodge Grand Caravan Hero $6,088
Chevrolet Impala LT $6,097
Jeep Grand Cherokee Laredo 4WD $6,088
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Premium data assumes single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in garaging location in Sacramento, CA which can revise coverage rates significantly.

Looking at the numbers, we can presume that makes and models like the Honda CR-V, Ford Escape, Honda Accord, Toyota Prius, and Honda Odyssey are most likely to be the cheaper vehicles to insure for new drivers. Prices will tend to be higher just due to the fact that there is more liability risk for a learners permit, but overall those models will have the best insurance prices available.

Get discount Sacramento insurance

Insurance for new drivers in Sacramento, CAInsurers that provide coverage for a learners permit may additionally offer rate discounts that may potentially lower prices by 25% or more if you meet specific criteria. Larger insurance companies and some of their more popular discounts can be found below.

The diagram below compares premium costs with and without discounts applied to the rates. The data is based on a female driver, no claims or violations, California state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with vehicle safety, passive restraint, anti-theft, paperless filing, paid-in-full, and continuous coverage discounts applied. When drivers take advantage of discounts, the average amount saved each year on insurance for a learners permit is 28% or $765.

Picking the top car insurance provider is hard considering how many companies sell insurance in California. The ranking information below can help you decide which car insurance providers you want to consider comparing prices from. These ratings are only comprised of the largest companies in America, so companies with more of a regional focus are not taken into consideration for these rankings.

Top 10 Large Car Insurance Companies in Sacramento Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

Top 10 Large Car Insurance Companies 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

How to find more affordable car insurance for a learners permit

It is possible to find better rates, and here are some of the better penny-pinching ideas that can help you find lower-cost coverage.

The last idea is extraordinarily necessary, as we stressed in this write-up. Insurance rates can change considerably in a year, so don’t be tentative to switch carriers if you find a better deal. Many drivers tend to have loyalty to a certain company, but it’s not recommended if it’s costing you a wad of cash every year. Spend a few minutes and compare prices and find cheaper auto insurance for a learners permit in Sacramento.

The agencies below can provide answers to your questions and help you determine which car insurance company is the best fit, since lots of people like to have a little guidance when trying to find the best insurance rates for a learners permit. It can be time-consuming to find the best rates on your own, so using a licensed agent can bring peace of mind knowing your coverage gives you adequate protection in case of an accident or claim. To find an auto insurance agency close to where you live, click the button at the bottom.

Ancal Insurance Agency
2641 Cottage Way #2Sacramento, CA 95825(916) 485-5410

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

McGee and Thielen Insurance Brokers
3840 Rosin Ct #245Sacramento, CA 95834(800) 901-9636

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

Styrsky Insurance Agency
706 56th StSacramento, CA 95819(916) 361-8114

View map of Sacramento, CA insurance agents