How Much is Sacramento Auto Insurance for a School Permit?

For a learners permit, one of the largest criteria that aid in calculating car insurance rates is the neighborhood you call home in Sacramento. Areas with more people or more claims tend to have more expensive auto insurance rates, whereas areas with less crime or weather claims have the luxury of cheap car insurance rates.

The following table ranks the highest-priced places in California for a school permit in which to buy car insurance. Sacramento comes in at #5 costing $1,652 for coverage, which is approximately $138 per month.

How much is auto insurance in Sacramento, CA?
Rank City Annual Rate
1 Los Angeles $2,168
2 Glendale $2,142
3 Oakland $1,755
4 San Francisco $1,745
5 Sacramento $1,652
6 Long Beach $1,610
7 San Bernardino $1,596
8 Santa Clarita $1,580
9 Stockton $1,556
10 Fontana $1,535
11 Riverside $1,527
12 Fresno $1,517
13 Garden Grove $1,508
14 Moreno Valley $1,506
15 Modesto $1,502
16 Santa Ana $1,497
17 San Jose $1,437
18 Anaheim $1,430
19 Fremont $1,389
20 Irvine $1,384
21 Bakersfield $1,381
22 Huntington Beach $1,360
23 Oxnard $1,344
24 San Diego $1,327
25 Chula Vista $1,298
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Annual rates are estimated as specific location information can affect premium rates significantly.

Finding good, affordable car insurance is not the easiest thing to accomplish, and deciding which companies quote the cheapest insurance rates for a school permit involves even more rate comparisons. Every auto insurer has their own process to set policy rates, so we’ll take a look at the insurance companies that tend to be cheaper in California.

It’s important to understand that Sacramento insurance rates are impacted by many things that may substantially change the price of your policy. Improving your credit rating, buying a new vehicle, or getting a ticket for running a stop sign can trigger changes in premium that may make certain companies cheaper than competitors.

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What’s the cheapest car insurance in California?
Rank Company Cost Per Year
1 USAA $1,155
2 Wawanesa $1,181
3 Century National $1,190
4 CSAA $1,198
5 Nationwide $1,250
6 21st Century $1,379
7 Grange $1,477
8 Allstate $1,513
9 Mercury $1,533
10 Progressive $1,558
11 GEICO $1,575
12 Allied $1,603
13 MetLife $1,606
14 The Hartford $1,623
15 Esurance $1,739
16 Unitrin $1,750
17 State Farm $1,750
18 Travelers $1,806
19 Bristol West $1,831
20 Farmers $2,006
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USAA may have some of the lowest car insurance rates in Sacramento at around $1,155 a year. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the lowest-priced Sacramento, CA auto insurance companies.

In the above example, if you currently have coverage with Wawanesa and switched to USAA, you could realize yearly savings of in the neighborhood of $26. California drivers with Century National could save as much as $35 a year, and CSAA insureds might see rate reductions of $43 a year.

Bear in mind that those policy rates are averages across all drivers and vehicles in California and do not take into consideration a specific vehicle garaging location for a school permit. So the insurer that fits your age and vehicle best may not even be in the list above. That point stresses why you need to get rate quotes using your own personal information and vehicle type.

The make and model of vehicle you are buying coverage for is one of the primary factors that determines if you can find cheap coverage for a school permit. Vehicles with reasonable performance levels, a plethora of safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than higher performance models.

The information below estimates insurance prices for a selection of the cheaper automobiles to buy coverage for.

Cheapest Vehicles to Insure in Sacramento, CA
Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 2WD $5,766
Honda Accord LX 4-Dr Sedan $5,772
Honda CR-V EX-L 4WD $5,820
Jeep Wrangler Sport 4WD 2-Dr $6,079
Hyundai Elantra SE Touring Station Wagon $6,175
Toyota Prius $6,231
Ford Edge SE 2WD $6,432
Volkswagen Jetta SE 2.5 Station Wagon $6,583
Honda Odyssey EX $6,787
Toyota Tacoma 2WD $6,796
Nissan Altima 2.5 4-Dr Sedan $6,841
Toyota RAV4 2WD $6,850
Chevrolet Malibu Hybrid $6,841
Dodge Grand Caravan Crew $6,897
Ford F-150 FX4 4WD $6,902
Ford Explorer Limited AWD $6,897
Toyota Camry XLE $7,193
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Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in Sacramento, CA location which can affect coverage prices noticeably.

Based on these rates, you can conclude that models like the Ford Escape, Honda Accord, Honda CR-V, Jeep Wrangler, and Hyundai Elantra are likely to be the cheaper vehicles to insure for a learners permit. Auto insurance rates will be more expensive just due to the fact that there is more exposure for a school permit, but in general those specific models will most likely have the lowest insurance prices that you are likely to find.

Drive safe and save

A great way to enjoy the best insurance premiums in Sacramento for a learners permit is to drive cautiously and avoid accidents and traffic citations. The information below illustrates how traffic citations and at-fault fender-benders raise annual premium costs for different categories of driver ages. The premiums assume a married female driver, full coverage, $100 deductibles, and no additional discounts are factored in.

In the example above, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,948. Factor in two speeding tickets and the average cost surges to $2,776, an increase of $828 each year. Then throw in one accident along with the two speeding tickets and the annual cost of insurance for a school permit increases to an average of $3,605. That’s an increase of $1,657, or $138 per month, just for not being attentive to the road!

Get discounts on Sacramento car insurance

Cheaper Sacramento, CA insurance for a learners permitCar insurance companies that sell policies for a school permit may provide premium discounts that can lower rates by as much as 25% or more if you qualify. Large insurance companies and some of the discounts are detailed below.

The information below shows the comparison of annual premium costs with and without policy discounts. The prices are based on a female driver, no accidents or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with good student, anti-theft, continuous coverage, paid-in-full, paperless filing, and passive restraint discounts applied. When these discounts are applied, theaverage amount saved on insurance for a school permit is 28% or $641.

How to find more affordable car insurance for a school permit

Lowering your rates is not difficult, and here are many penny-pinching ideas that can help Sacramento drivers quote low-cost coverage.

The last idea is very significant, as we stressed in this article. Coverage prices fluctuate considerably, so don’t be afraid to buy a policy from a new company if a better deal can be had.

Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that dedication is costing hundreds of dollars a year. If you have a few minutes, now is a great time to compare rates to find cheaper car insurance for a school permit in Sacramento.

The agents below can most likely aid you in deciding which coverages you need, since lots of people like to have a professional recommendation when buying car insurance for a school permit. It can be difficult to find coverage yourself, and insurance agents licensed in the state of California can bring peace of mind knowing your coverage gives you adequate protection in case of an accident or claim.

To locate an agency using an interactive map, click the link after the list.

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