Best Cheap Car Insurance in Sacramento, California

• GEICO, USAA, and Progressive have the cheapest average rates in Sacramento for both full coverage and minimum coverage auto insurance.
• Sacramento auto insurance averages $699 for minimum coverage and $2,142 for full coverage, 5 to 13 percent higher than statewide averages for California.
• Your cheapest car insurance rates will vary. Shop for insurance that fits your individual needs based on your vehicle, coverages, deductibles, driving record, and more.

GEICO has the cheapest average full coverage auto insurance rates in Sacramento, more than 30 percent cheaper than the citywide average. USAA, Progressive, and Mercury also have full coverage average rates below the citywide average.

GEICO again had the cheapest average rates for minimum liability coverage in Sacramento at $39 monthly — 33 percent less than the Sacramento average. USAA and Progressive Farm also had lower-than-average rates.

GEICO, Progressive, and USAA all weighed in with some of the cheapest rates in Sacramento. Our best cheap providers also scored favorably (and in some cases impressively) in third-party measures of customer satisfaction. Here’s a quick look at our top cheap providers and how they compare to each other.

GEICO

• Why we chose it: GEICO had the cheapest rates for full coverage and minimum liability coverage in our analysis of Sacramento auto insurance — and that’s not a surprise. GEICO’s rates came in well below average in our review of California and nationwide rates as well. Although its rates are consistently among the cheapest, GEICO also managed to score well above average on the J.D. Power customer satisfaction survey, and had a lower-than-average incidence of complaints according to the NAIC Complaint Index.  
• Who it’s best for: GEICO offers cheap rates and great online tools but with less emphasis on personalized service from local agents. It has a full range of discounts for active or retired federal employees and military members, good drivers, and policyholders who insure multiple cars. If you’re financing or leasing your car and want gap insurance, be forewarned that GEICO doesn’t offer gap coverage, so you would have to purchase it elsewhere.

Progressive

• Why we chose it: Progressive’s full coverage and minimum coverage rates were both solidly cheaper than the Sacramento averages, with an above average satisfaction score from J.D. Power and the best CRASH Network score among our three top contenders. Progressive offers a wide range of discounts, including Snapshot, a program that uses telematics to track your driving habits and reward you for good driving.
• Who it’s best for: In our national analysis, Progressive had great rates for drivers with good driving records and for drivers with DUIs. With customer and claims satisfaction ratings in the midrange, Progressive’s service isn’t a standout but is solid. For drivers who need it, Progressive also offers rideshare coverage.

Buckle up: Between 2022 and 2024, Sacramento County averaged 11,457 injury or fatality crashes, with 3,553 occurring within the city of Sacramento.⁴ Sacramento ranked eighth in the nation among cities with the highest rates of DUI-related fatalities,⁵ and it had the most car crash fatalities by population of any large city in California: 14.7 deaths per 100,000 people.⁶

Drive safely on these seven roads: These seven roads had the highest incidence of fatalities in Sacramento based on National Highway Traffic Safety Administration data from 2020 to 2022.⁷

1. Highway 5
2. Fruitridge Road
3. Highway 50
4. Highway 99 and Power Inn Road (tie)
5. Capital City Freeway (Business 80 Road connecting Highways 50 and 99 with Interstate 80)
6. Florin Road

When you’re driving in Sacramento, choose your route carefully, pay attention to the road, and make sure your auto insurance coverage is up to speed. You may want to increase your liability coverages or add collision and comprehensive to help ensure you’re covered in the event of a crash.

As of January, 2025, all California drivers must carry minimum coverage with the following liability limits:

• $30,000 for bodily injury or death per person
• $60,000 for bodily injury or death per accident
• $15,000 for property damage per accident.⁸

We analyzed average premiums for full and minimum coverage in Sacramento, California for good drivers with good credit. Full coverage averages use the following limits:

• Bodily injury liability: $50,000 per person/$100,000 per accident
• Property damage liability: $50,000 per accident
• Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
• Comprehensive and collision: $500 deductible

We assess customer satisfaction and claims practices through third-party sources such as J.D. Power, CRASH Network, and the National Association of Insurance Commissioners (NAIC).