The vehicle needing coverage is a significant factor when comparing quotes for the lowest-priced auto insurance for high mileage drivers. Vehicles with high performance engines, poor safety ratings, or an increased likelihood of liability claims will cost substantially more to insure than safer models.
The next table ranks insurance premiums for some of the cheaper vehicles to buy coverage for.
|Vehicle||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$1,501|
|Honda CR-V LX 4WD||$1,511|
|Toyota Tacoma 4WD||$1,535|
|Ford Escape Limited 2WD||$1,585|
|Chevrolet Equinox LT 2WD||$1,622|
|Jeep Grand Cherokee Laredo 2WD||$1,627|
|Toyota RAV4 Limited 4WD||$1,622|
|Hyundai Elantra SE Touring Station Wagon||$1,633|
|Ford F-150 Lariat Crew Cab 2WD||$1,654|
|Ford Explorer XLT AWD||$1,680|
|Dodge Grand Caravan SE||$1,686|
|Toyota Corolla XLE||$1,709|
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Table data does not factor in vehicle location which can alter prices significantly.
Looking at the numbers, you can assume that vehicles like the Honda Accord, Honda CR-V, and Toyota Prius should be some of the most budget-friendly vehicles to insure for high mileage drivers.
Comparing rates for low-priced auto insurance is tough enough, and deciding which insurers offer the cheapest auto insurance rates for high mileage drivers will require a little more work. Each insurance company has their own unique process to determine rates, so we’ll go over the lowest cost auto insurance companies in Sacramento, CA.
It’s a good idea to be aware that California auto insurance rates are based on many factors which can substantially decrease or increase the price of coverage. This price fluctuation is why it is so important to compare many different companies to find the most budget-friendly insurance quotes for high mileage drivers. Auto insurance prices consist of many factors and change dramatically, so the cheapest company the last time you checked may now cost much more than other companies.
Find the Cheapest Car Insurance in California
|Rank||Company||Cost Per Year|
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USAA quotes some of the cheapest car insurance rates in Sacramento at around $1,109 a year. This is $542 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA also qualify as some of the cheapest Sacramento, CA car insurance companies.
In the above rates, if you have coverage with Nationwide and switched to USAA, you may see yearly savings of roughly $104. Insureds with CSAA could save as much as $125 a year, and 21st Century insureds might reduce rates by $257 a year.
To find out how much you can save, click here to start your custom quote or click through to the companies below.
Remember that these rates are averages across all ages of drivers and types of vehicles and do not factor in a specific zip code for high mileage drivers. So the car insurance company that can offer the best rates for your situation may not even be in the top 24 companies shown above. That point stresses why you need to compare prices as often as possible using your own specific driver and vehicle information.
For high mileage drivers, one of the largest criteria that aid in calculating the cost of insurance is where you live in Sacramento. Areas with increased crime or more people tend to have higher auto insurance costs, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper car insurance.
The following table ranks the most expensive places in California for high mileage drivers in which to buy car insurance. Sacramento is listed at #3 costing $1,720 for coverage, which is around $143 each month.
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Premium costs are approximated as vehicle location can raise or lower prices greatly.
Reckless driving habits raise Sacramento auto insurance rates
The common sense way to enjoy low auto insurance premiums in Sacramento for high mileage drivers is to drive safely and avoid accidents and violations. The information below shows how traffic citations and fender-benders drive up insurance costs for each different age group. The information is based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.
The data in the chart shows the average cost of a car insurance policy per year with no accidents and a clean driving record is $2,816. Receive two speeding tickets and the average cost jumps to $3,725, an increase of $909 each year. Next add one accident along with the two speeding tickets and the yearly cost of auto insurance for high mileage drivers goes up to an average of $4,647. That’s an increase of $1,831, or $153 per month, just for not paying attention while driving!
Discounts on Sacramento car insurance
Insurance providers that offer quotes for high mileage drivers may have discounts that could lower prices by 35% or more if you meet certain criteria. A few popular companies and their possible discounts are outlined below.
- American Family has discounts for Steer into Savings, good student, good driver, TimeAway discount, and mySafetyValet.
- Nationwide may have discounts that include defensive driving, accident-free, anti-theft, Farm Bureau membership, and business or organization.
- MetLife may include discounts for good driver, good student, accident-free, multi-policy, claim-free, and defensive driver.
- 21st Century may offer discounts for homeowners, good student, driver training, anti-lock brakes, and air bags.
- Farmers Insurance discounts include youthful driver, electronic funds transfer, mature driver, good student, and switch companies.
- Allstate has savings for anti-theft, FullPay discount, teenSMART discount, passive restraint, early signing, premier discount, and economy car.
The information below illustrates the comparison of insurance rates with and without discounts applied to the rates. The premiums assume a female driver, no violations or claims, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with multiple policy, vehicle safety, safe-driver, anti-theft, homeowner, and claim-free discounts applied. When these discounts are applied to the policy premium, theaverage amount saved on auto insurance for high mileage drivers is 28% or $893.
Insuring your vehicle with a good quality insurer is difficult considering how many companies there are in Sacramento. The information listed below can help you decide which insurers you want to consider when trying find the best insurance for high mileage drivers. These ratings are only made up of companies with a nationwide focus, so smaller companies are not taken into consideration for this list.
Top 10 Large Auto Insurance Companies Overall in Sacramento
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance