Wouldn’t it be awesome if we could magically tell you the one best car insurance company that has the cheapest coverage for teachers? Unfortunately, it’s just not that easy, as there are a lot of unknowns such as your driving record, your credit history, if you currently have coverage, and if you are married or single. This article will detail the best ways to maintain low rates and will hopefully give you a good start in finding the cheapest car insurance in California.
The vehicle needing coverage is one of the largest considerations that determines the availability of economical coverage for teachers. Vehicles with limited top-end speed, an excellent safety record, or a low likelihood of liability claims will cost less to insure than adrenaline junky models.
The table below outlines car insurance rates for a handful of the most budget-friendly vehicles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $1,371 |
| Toyota Prius | $1,389 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,411 |
| Chevrolet Silverado LS Extended Cab 4WD | $1,479 |
| Ford Escape Limited 4WD | $1,525 |
| Honda Accord EX-L 4-Dr Sedan | $1,535 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,530 |
| Ford Focus SES 4-Dr Sedan | $1,540 |
| Ford Explorer XLT 4WD | $1,532 |
| Honda Odyssey LX | $1,555 |
| Toyota Camry XLE | $1,557 |
| Nissan Rogue SL 2WD | $1,585 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,591 |
| Chevrolet Silverado 2500HD LT Crew Cab 4WD | $1,588 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,597 |
| Toyota Corolla XRS | $1,588 |
| Volkswagen Jetta 2.0T Station Wagon | $1,613 |
| Ford Fusion S 4-Dr Sedan | $1,620 |
| Toyota RAV4 Limited 4WD | $1,626 |
| Chevrolet Malibu Hybrid | $1,620 |
| Start a Quote Go | |
Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in specific Sacramento, CA garaging location which can raise or lower coverage prices greatly.
Looking at the rates, we can conclude that vehicles like the Honda CR-V, Toyota Prius, and Jeep Wrangler are most likely going to be the most affordable vehicles to insure for teachers and educators.
Deciphering which company quotes the best auto insurance rates for teachers will take a bit more effort than just comparing a company or two.
Each company has a unique approach to establish rates, so let’s examine the auto insurance companies with the most affordable rates in California. Keep in mind that Sacramento, CA auto insurance rates are impacted by many factors which can substantially change the price you have to pay for coverage. Getting older, becoming a homeowner, or getting caught speeding may cause policy rate changes that can make some companies more affordable than others.
Find the Cheapest Auto Insurance for Educators
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,181 |
| 3 | CSAA | $1,222 |
| 4 | Nationwide | $1,226 |
| 5 | Century National | $1,226 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,447 |
| 8 | Mercury | $1,503 |
| 9 | Allstate | $1,513 |
| 10 | Progressive | $1,558 |
| 11 | GEICO | $1,575 |
| 12 | MetLife | $1,590 |
| 13 | The Hartford | $1,591 |
| 14 | Allied | $1,603 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,682 |
| 17 | Esurance | $1,739 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,788 |
| 20 | Farmers | $1,966 |
| Find Your Rate Go | ||
USAA generally has some of the cheapest car insurance rates in Sacramento at around $1,121 annually. Wawanesa, CSAA, Nationwide, and Century National are also some of the most economical Sacramento, CA auto insurance companies.
In the above rates, if you are a policyholder with Wawanesa and switched to USAA, you might realize an annual savings of about $60. Insureds with CSAA may save as much as $101 a year, and Nationwide policyholders might cut rates by $105 a year.
It’s important to note that these estimates are averages across all insureds and vehicles and do not take into consideration a specific location for teachers. So the company that has the lowest price for you may not even be in the list above. That helps illustrate why you need to get quotes using your own personal information and vehicle type.
One of the many things that are looked at to help calculate the annual cost of car insurance is the neighborhood you call home in Sacramento. Cities with more crime and/or more people will most likely pay more, whereas areas with less people or fewer weather incidents can boast about having cheaper rates.
The information below ranks the priciest cities in California for teachers to purchase car insurance in. Sacramento is ranked at #4 with a yearly premium of $1,720 for the average policy, which is approximately $143 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,104 |
| 3 | Oakland | $1,755 |
| 4 | Sacramento | $1,720 |
| 5 | San Francisco | $1,711 |
| 6 | San Bernardino | $1,644 |
| 7 | Stockton | $1,588 |
| 8 | Santa Clarita | $1,580 |
| 9 | Long Beach | $1,562 |
| 10 | Modesto | $1,547 |
| 11 | Moreno Valley | $1,536 |
| 12 | Garden Grove | $1,524 |
| 13 | Fontana | $1,519 |
| 14 | Fresno | $1,517 |
| 15 | Santa Ana | $1,497 |
| 16 | Riverside | $1,497 |
| 17 | Anaheim | $1,474 |
| 18 | San Jose | $1,437 |
| 19 | Fremont | $1,403 |
| 20 | Bakersfield | $1,381 |
| Quote Best Rates Go | ||
Annual rates are estimated as specific location information can influence coverage rates considerably.
Types of discounts on Sacramento car insurance rates
Car insurance companies that offer coverage for teachers could also offer discounts that could potentially reduce rates by as much as 25% or more if you meet certain criteria. A few of the larger companies and some of the discounts are:
- State Farm offers discounts including passive restraint, safe vehicle, accident-free, defensive driving training, and multiple autos.
- American Family may include discounts for air bags, TimeAway discount, Steer into Savings, multi-vehicle, mySafetyValet, and bundled insurance.
- AAA may offer discounts for multi-car, pay-in-full, AAA membership discount, education and occupation, good student, and multi-policy.
- GEICO has discounts for air bags, daytime running lights, defensive driver, good student, driver training, seat belt use, and anti-theft.
- Mercury Insurance discounts include low natural disaster claims, location of vehicle, good student, multi-policy, and age of vehicle.
- Farmers Insurance policyholders can earn discounts including homeowner, teen driver, pay in full, alternative fuel, bundle discounts, mature driver, and multi-car.
- Progressive has savings for continuous coverage, online quote discount, multi-vehicle, online signing, and good student.
The example below shows the difference between insurance premiums with and without discounts applied to the premium. The price estimates are based on a female driver, no claims or violations, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with marriage, accident-free, defensive driving course, homeowner, multiple policy, and multiple vehicle discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for teachers is 28% or $493.
Full coverage versus liability-only in Sacramento
Lowering the price of auto insurance is the goal of the majority of people, and a great way to reduce the cost of insurance for teachers is to not insure for full coverage. The illustration below shows the difference between auto insurance rates with full coverage and liability only. The price estimates are based on no accidents or driving violations, $250 deductibles, drivers are single, and no additional discounts are factored in.
Averaged for all ages 20 through 70, physical damage coverage costs $2,314 per year over and above liability coverage. Lot’s of drivers question if buying full coverage is worth the money. There is no clear-cut formula of when to stop paying for comp and collision coverage, but there is a general guideline you can use. If the yearly cost of full coverage is 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
For example, let’s assume your vehicle’s book value is $7,500 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $6,500 after the policy deductible has been paid. If it’s costing you more than $650 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.
How violations and accidents impact rates
The ideal way to enjoy low auto insurance rates for teachers and educators is to be a cautious driver and not have accidents or get tickets. The example below highlights how speeding tickets and accidents influence auto insurance rates for each age group. The premium estimates are based on a single male driver, full coverage, $250 deductibles, and no policy discounts are applied.
The data in the chart shows the average cost of car insurance in California per year with no accidents and a clean driving record is $2,314. Get written up for one speeding ticket and the average cost increases to $2,608, an increase of $294 each year. Then add in one accident along with the one speeding ticket and the yearly cost of auto insurance for teachers goes up to an average of $3,426. That’s an increase of $1,113, or $93 per month, just for not driving attentively!
Tips to find low-cost auto insurance for teachers
It’s not impossible to find cheaper rates, and here are many money-saving suggestions that can help Sacramento drivers buy cheap car insurance.
- Earn a discount by not filing claims
- Avoid preventable accidents
- Speeding tickets and other violations increase rates
- Don’t waste money on full coverage for older vehicles
- Higher physical damage deductibles lower rates
- Compare rate quotes frequently
That final tip is highly critical, as we hit on in this piece. Car insurance prices go up and down frequently, so don’t hesitate to buy from a new company if you can save money.
Staying with the same company for years is fine, but we do not recommend it if that devotion results in you overpaying hundreds every year. If you have a few minutes, compare rates to find cheaper car insurance for teachers in Sacramento.