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Best Car Insurance in Sacramento, CA

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by Sandi Pope ConsumerAffairs Research Team

Drivers are required by law to have valid auto insurance in California. Car insurance gives you financial protection after a crash or vehicle theft. The list below provides comprehensive information on the best car insurance companies in Sacramento.

Top 11 Sacramento Car Insurance Companies

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EverQuote Insurance Services

Insurance marketplace with a free online comparison tool for auto, home, renters, life and health insurance quotes. Enter your parameters and get quotes from the top providers in minutes.

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Progressive Auto Insurance
Read 4,107 Reviews

Progressive has been providing consumers with auto insurance since 1937 and is known for its insurance rate comparison tool. This company offers several types of auto insurance, and focuses only on this type of insurance.

Liberty Mutual - Auto
Read 1,376 Reviews

Liberty Mutual is one of the oldest insurers in the U.S. Today, it is the third largest publicly held U.S. insurance company. They offer a variety of comprehensive insurance packages, including auto and homeowners insurance.

Freeway Auto Insurance
Read 144 Reviews

Freeway Insurance belongs to Confie Seguros, the largest private insurance company in the U.S. It offers affordable auto insurance plans, including high-risk insurance, to help every consumer be able to afford auto insurance.

Cost-U-Less Insurance
Read 43 Reviews

Cost-U-Less offers inexpensive insurance options for drivers across California. It offers over 100 types of insurance to California drivers from 80 different locations as well as 24- hour availability of online quotes.

Baja Insurance Services
Read Expert Review

Offers customized free quotes for affordable insurance in California. Gives good driver, multi-policy and student discounts. Tailors insurance coverage to the individual.

Bates Insurance Agency
Read Expert Review

Provides quotes for a wide range of insurance solutions for all ages. Focuses on policies that cover people according to their lifestyle and needs.

Bolt Insurance Services
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Provides insurance coverage bundle rates. Offers auto, motorcycle, homeowners, renters, business and special event insurance for California residents. Gives customers a wide range of insurance options.

HUB International
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Performs risk assessments before providing quotes. Provides tailored insurance solutions with customers' goals in mind. Gives customized insurance quotes based on needs and budget. Offers claims and compliance support.

InterWest Insurance Services
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Offers insurance solutions that fit customers’ budgets and priorities. Helps with emergency insurance claims. Works with several insurance companies to provide affordable auto insurance.

McGee & Thielen Insurance Brokers, Inc.
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Locally owned and operated. Helps with insurance claims and can change existing insurance coverage. Provides free, speedy insurance quotes.

Sacramento skyline

Driving in Sacramento, CA

Car insurance in Sacramento is a must. Not only is it required by California law, but auto insurance also protects you financially from multiple risks:

  • Crashes in Sacramento: According to the Office of Traffic Safety in the State of California, Sacramento has one of the highest rates of car accidents in California, and it ranks first in the state for alcohol-involved and speed-related collisions. In 2016, there were more than 5,000 crashes that resulted in residents being injured or killed. Purchase sufficient coverage to protect yourself from the expense of auto body repair and medical costs.
  • Road conditions in Sacramento: Sacramento sees nearly 20 inches of rain each year. Wet driving conditions often cause accidents, which makes it essential for Sacramento residents to have proper auto insurance coverage. Also, there are several state road projects in Sacramento, and long-term construction zones are responsible for blown tires, cracked windshields, uneven pavement and other driving hazards.
  • Vehicle theft in Sacramento: Residents have a 1-in-31 chance of being a victim of a property crime, including motor vehicle theft. The highest auto theft rates are in the northern neighborhoods of Sacramento, including North Sacramento, Hagginwood, Swanston and Del Paso Heights. However, residents throughout Sacramento should make sure that they have car insurance that includes coverage for theft.

Average car insurance costs in Sacramento, CA

The average price for car insurance in Sacramento is $841 annually, which is just below the national average of $889. Many factors affect the cost of auto insurance in Sacramento, including your:

  • ZIP code
  • Credit score
  • Type of coverage
  • Age
  • Driving history

The table below estimates car insurance costs in Sacramento different neighborhoods for a 30-year-old woman who owns a late-model sedan and drives 10,000 miles annually.

 ComprehensiveLiabilityState minimum
Old Sacramento$1,554$760$627
East Sacramento$1,420$719$594
Midtown$1,526$743$612
Curtis Park$1,497$732$603
Central Oak Park$1,638$807$664
Del Paso Heights$1,720$832$697

Does California require car insurance?

California requires a minimum amount of insurance coverage. The state requires $15,000 of bodily injury liability coverage per person, $30,000 per accident and $5,000 in property damage. Comprehensive, collision and uninsured/underinsured motorist coverage are optional. However, about 1 in 7 drivers in California is deemed to be uninsured, so adding uninsured motorist coverage to your policy is wise.

Sacramento car insurance alternatives

California’s Low Cost Auto Insurance, run by the California Department of Insurance, offers affordable auto insurance to income-eligible residents with a good driving record. This program offers lower coverage limits than required by the state, and policies are far less expensive. If one qualifies, their entire household and cars (max of two) are covered under this program. However, the applicant must:

  • Have a valid California driver’s license
  • Be at least 19 years old
  • Have an annual income below 250% of the federal poverty level
  • Have a vehicle worth less than $25,000
  • Have no more than one at-fault accident in the past 3 years
  • Have no more than one point of moving violations in California

Sacramento auto insurance FAQ

Is California a PIP state?
California isn’t currently a Personal Injury Protection (PIP) state. PIP protects drivers from the cost of an accident, regardless of fault.
How do I find cheap SR-22 insurance in Sacramento?
Many insurance agents on our list provide cheap SR-22 insurance options. There are also low-income programs that help those who may not be able to afford car insurance in Sacramento.
What is the penalty for not having car insurance in California?
Those driving without car insurance in California face fines of $100 to $200 for the first offense and $200 to $500 for a second offense. The vehicle may also be impounded, which incurs towing and storage fees.
Why is car insurance so expensive in California?
Car insurance in California is expensive because there are far more drivers here than any other state. With California’s enormous driving population, especially in congested metro areas, there is a higher chance of accidents and theft.
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Sacramento car insurance company information

Bates Insurance Agency

Better Insurance Agency is a licensed and bonded company that specializes in auto insurance in Sacramento. It offers a wide range of insurance support. The insurance companies it works with include MetLife, Safeco, OMI, Commerce West, Travelers, Allied, CSE, First American Insurance and Fidelity. Better Insurance Agency is an experienced team of insurance agents that provides free quotes to Sacramento residents.

  • Address: 2306 J St., Sacramento, CA 95816
  • Phone: (916) 251-3548
  • Hours: 24/7
  • Website: insurancebates.com
McGee & Thielen Insurance Brokers, Inc.

McGee & Thielen Insurance Brokers is one of the largest locally-owned insurance brokerages in Northern California. It offers a wide range of policies from quality insurance companies. Not only can the company provide affordable insurance in California, but it also assists with insurance claims by contacting your insurance company. The business offers users the ability to make payments for their policy as well as to add or remove drivers or vehicles from existing insurance policies.

  • Address: 3840 Rosin Court, Ste. 245, Sacramento, CA 95834
  • Phone: (916) 646-1919
  • Hours: M - F: 8am - 5pm
  • Website: mcgeethielen.com
Bolt Insurance Services

Bolt Insurance Services provides specialized insurance coverage to California residents. It offers a broad range of insurance services as well as bundle discount rates. The company provides comprehensive quotes online or via phone. With years of experience, Bolt Insurance Services can be a source of information for those looking for affordable auto insurance in Sacramento.

  • Address: 1338 Howe Ave., Sacramento, CA 95825
  • Phone: (916) 550-5335
  • Hours: M - F: 9am - 8pm; Sat: 10am - 5pm
  • Website: boltinsuranceservices.com
HUB International

HUB International focuses on customized insurance solutions. It provides a variety of auto insurance policies to Sacramento residents. After a short conversation, HUB International can assess one’s risk and offer coverage options at the best possible rates. The company provides quotes, helps customers with existing insurance policies and creates insurance claims when needed.

  • Address: 3636 American River Drive, Ste. 200, Sacramento, CA 95864
  • Phone: (916) 974-7800
  • Hours: M - F: 8am - 5pm
  • Website: hubinternational.com
InterWest Insurance Services

InterWest Insurance Services provides specialized insurance solutions to Sacramento residents. As a trusted insurance partner, it offers a wide range of personal and business products and services. The company offers a list of service providers that help customers with claims when needed. InterWest Insurance Services works with Chubb Insurance, Encompass Insurance, Hartford Insurance, Kemper, Nationwide, Safeco and Travelers.

  • Address: 8950 Cal Center Drive, Bldg. 3, Ste. 200, Sacramento, CA 95826
  • Phone: (916) 488-3100
  • Hours: M - F: 8:30am - 5pm
  • Website: iwins.com
Baja Insurance Services

Baja Insurance Services has served the Sacramento area since 1998. It offers Sacramento residents affordable auto insurance and other insurance solutions. The company is an industry leader and provides excellent customer service. Customers can receive discounts on existing coverage or start a new policy with a trusted partner of Baja Insurance Services.

  • Address: 1502 W. El Camino Ave., Sacramento, CA 95833
  • Phone: (916) 286-7766
  • Hours: M - Sat: 9am - 6pm
  • Website: bajains.com
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Profile picture of Sandi Pope
Sandi Pope ConsumerAffairs Research Team

Sandi Pope previously worked in the nonprofit sector as an advocate for environmental and social change and believes information access is a human right. As a member of the ConsumerAffairs Research Team, she seeks to provide consumers with the necessary information needed in making life-altering decisions.

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