You have most likely watched the catchy commercials from insurers like Liberty Mutual, State Farm, and Progressive that say if you switch you’ll get dirt cheap rates. So drivers should just pick the one with the catchiest commercial, right?
It’s just not that easy, however, as there are a whole slew of unknown elements such as if you own a home, what deductibles you want to use, the area where you live, and if you just need liability coverage, that all impact the cost of your policy. We are going to cover these things and will hopefully give you a good start to your coverage search.
For youthful drivers, one of the largest considerations that are looked at to determine auto insurance rates is your zip code in Sacramento. Regions with more people or even just more weather-related claims will most likely pay more, whereas areas with less crime or weather claims have the luxury of cheap car insurance rates.
The following table ranks the priciest cities in California for young drivers to purchase a policy in. Sacramento makes the list at #5 with a yearly premium of $1,669 for the average policyholder, which is approximately $139 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,121 |
| 3 | Oakland | $1,755 |
| 4 | San Francisco | $1,711 |
| 5 | Sacramento | $1,669 |
| 6 | Long Beach | $1,610 |
| 7 | Santa Clarita | $1,595 |
| 8 | San Bernardino | $1,580 |
| 9 | Moreno Valley | $1,551 |
| 10 | Modesto | $1,547 |
| 11 | Stockton | $1,541 |
| 12 | Fontana | $1,535 |
| 13 | Garden Grove | $1,508 |
| 14 | Fresno | $1,502 |
| 15 | Santa Ana | $1,497 |
| 16 | Riverside | $1,497 |
| 17 | Anaheim | $1,444 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,416 |
| 20 | Bakersfield | $1,394 |
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Rate quotes are estimated as the specific geographic location can lower or raise premium rates significantly.
Finding cheap car insurance is easier said than done, and figuring out which company has the cheapest insurance rates for young drivers will take even more diligence. Each auto insurance company uses a slightly different approach for setting rates, so we’ll take a look at the insurance companies with the overall best prices in California.
We do need to point out that Sacramento, CA insurance rates are determined by lots of factors which can substantially decrease or increase the cost of having a policy. Events such as a birthday, buying a home, or getting caught speeding can trigger rate changes that can now make some companies way too expensive in comparison to the competition.
Compare Cheap Insurance Quotes for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,192 |
| 3 | Nationwide | $1,213 |
| 4 | Century National | $1,214 |
| 5 | CSAA | $1,222 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,491 |
| 8 | Progressive | $1,496 |
| 9 | GEICO | $1,513 |
| 10 | Allstate | $1,543 |
| 11 | Mercury | $1,548 |
| 12 | Allied | $1,588 |
| 13 | The Hartford | $1,591 |
| 14 | MetLife | $1,606 |
| 15 | Esurance | $1,705 |
| 16 | Unitrin | $1,733 |
| 17 | State Farm | $1,750 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $2,006 |
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USAA may offer 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. Wawanesa, Nationwide, Century National, and CSAA also make the cut as some of the best Sacramento, CA car insurance companies.
As depicted above, if you currently have a policy with CSAA and switched to Wawanesa, you could earn annual savings of around $30. Insureds with 21st Century could save as much as $133 a year, and Grange insureds might cut rates by $299 a year.
If you want to find out if you’re overpaying, click here to start your custom quote or feel free to get quotes from the companies below.
Bear in mind that those prices are averaged across all types of drivers and the different vehicles they drive and do not take into consideration an exact zip code location for young drivers. So the company that can offer the best rates for your situation may not even be in the list above. That’s why you need to compare as many prices as possible using your own specific driver information and vehicle.
Finding a good quality car insurance provider can be challenging considering how many choices you have in Sacramento. The company ratings below could help you pick which auto insurers to look at comparing price quotes from.
The ratings below are for the largest auto insurers in America, so companies that only write business in California or surrounding areas are not included in the list. If you wish to compare prices and find the cheapest rates for young drivers, click this link.
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
Top 10 Large Auto Insurers in Sacramento Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Reckless driving habits raise Sacramento insurance rates
The best way to find cheap insurance prices in California for youthful drivers is to pay attention while driving and avoid accidents and traffic violations. The information below shows how violations and fender-benders raise auto insurance costs for different age groups. The rates are based on a single female driver, full coverage, $500 deductibles, and no discounts are applied to the premium.
In the previous chart, the average cost of auto insurance per year with no accidents and a clean driving record is $2,679. Factor in one speeding ticket and the average cost rises to $3,040, an increase of $361 each year. Now throw in two accidents along with the one speeding ticket and the yearly cost of insurance for young drivers increases to an average of $6,263. That’s an increase of $3,585, or $299 per month, just for not paying attention while driving!
The importance of comparing Sacramento car insurance rates
Sacramento, CA insurance rates are based on many factors that control the price you pay. Simply turning a year older, becoming a homeowner, or getting a reckless driving citation can produce rate changes resulting in some companies being cheaper than before.
Also, insurance companies file new California car insurance rates as often as every three months to help ensure profitability. A period of increased losses may cause additional premium costs, while long-term profits can cause more affordable Sacramento car insurance rates.
The chart below analyzes the cheapest car insurance in Sacramento, CA for a 45-year-old female driver with a clear driving record, no claims, and solid credit. If we look at prices based on her current risk factors, USAA has the best car insurance rates in Sacramento at $1,405 per year. This is $246 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the most affordable Sacramento, CA auto insurance companies.
In this next rate comparison, we will give the driver in the first example some claims, less-than-perfect credit, and a stop sign violation. Due to the fact that every insurance company has their own process for determining prices, getting updated rate quotes most likely will result in a different list of the cheapest Sacramento car insurance companies as shown below.
Grange now has the lowest price in Sacramento with Progressive, GEICO, Mercury, and Allied completing the list. This example proves why it is crucial to perform an extensive rate comparison when trying to get the most budget-friendly car insurance rates for young drivers. Auto insurance prices are influenced by many factors and change dramatically, so the most economical company six months ago may now be costing you a lot of money.