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Car insurance in Sacramento

Compare policies from the 4 best companies in Sacramento, picked by our experts.

As you commute, head to your favorite venue or meander through Sacramento’s parks and rivers, you’ll run into a variety of driving situations along the way. Make sure you have the right coverage and a car insurance company that has your back if you get in an accident. Our experts help you narrow down your options with the best car insurance picks for Sacramento drivers.

4 best car insurance companies for Sacramento drivers

  • Clearcover: Best customer service
  • Metromile: Best for low-mileage drivers
  • Mercury: Best local company
  • Geico: Best overall

Best car insurance companies list for Sacramento drivers

The best car insurance company looks different for every driver because each company caters to different needs. Consider the coverage you’re looking for along with the company’s customer service, perks and overall price.

You’ll also find that rates vary based on your driving record, car, annual mileage and more. Consider several companies side by side before deciding.

Best customer service: Clearcover

Clearcover

Finder rating 3 / 5 ★★★★★

Clearcover gets high marks for its low-cost policies and helpful customer support on Trustpilot and app stores. Many customers report saving $50–$100 per month while enjoying wide coverage like liability, comprehensive and collision on their policies. And Clearcover's goal is to pay claims as quickly as possible — its record is currently seven seconds!

Best for low-mileage drivers: Metromile

Metromile

Finder rating 4 / 5 ★★★★★

Pay for car insurance by the mile by tracking your mileage through a device plugged into your car. Then, monitor your mileage and insurance bill through the app. Metromile offers one of the best apps for this type of policy. It lets you file photo claims, edit the drivers or coverage, learn about your car's check engine lights and even track your car's location.

Best local company: Mercury

Mercury

Finder rating 4 / 5 ★★★★★

If you like working through local agents with local offices, Mercury delivers. Unlike some smaller companies, you won't have to wonder about its customer service. Mercury has decades of experience in the industry. It also receives high scores from J.D. Power for its customer satisfaction and online shopping experience.

Best overall: Geico

Geico

Finder rating 4 / 5 ★★★★★

Geico combines a reputation for low rates, a variety of coverage and discounts and an online experience that many customers love. In the app, access your ID card, file a claim, search for nearby gas stations or set up car maintenance reminders. And if you need customer support, try a live chat online or head to the nearest Sacramento office.

How we chose these insurers

To find the best insurance companies in Sacramento, our experts considered both national, regional and local companies. We looked for companies with a variety of coverage, high customer satisfaction and many discounts that customers have come to expect from their companies. We also considered the customer ratings and reputation of each company in the Sacramento area.

State minimum car insurance requirements in Sacramento

You don’t need much coverage to drive legally in Sacramento. However, since serious accidents are on the rise in this city, think about add-ons and higher liability limits to protect your bank account after an accident.

  • Bodily injury liability — $15,000 for injuries to one person, $30,000 for injuries to multiple people
    These limits are the lowest requirement of any US state. Consider more coverage to help you pay for medical bills or court fees if you injure someone in an accident.
  • Property damage liability — $5,000 for damage to someone else’s property
    This liability coverage pays if you hit someone’s car or run into a building or if you damage other belongings like cargo in the other driver’s trunk.
  • Uninsured or underinsured motorist — Usually same as your liability limits
    In Sacramento, you have to accept or reject buying uninsured or underinsured motorist coverage. It pays for your medical bills or property damage if you get hit by a driver who doesn’t keep enough insurance.

We recommend full coverage for Sacramento drivers

Most Sacramentoans should keep comprehensive and collision coverage on their car insurance. Doing so is called full coverage in industry terms.

While you may want to save money with less coverage, buying only liability coverage offers bare protection in Sacramento. The city houses over 500,000 people, according to the US Census Bureau.

While not the most jam-packed spot in California, you’re bound to hit traffic sometimes and risk an accident. Make sure you won’t pay out of pocket for someone else’s car damage or your own.

Fatal crashes in Sacramento have risen nearly 90% in 10 years

Sacramento nears the top of California counties with the most car accidents, including both injury-only and fatal crashes, based on the California Highway Patrol’s annual collision report.

Of the counties that made this list, Sacramento has also seen the steepest rise in deadly accidents over 10 years. In 2017, 157 people died in car accidents in Sacramento compared to 84 in 2008.

See how Sacramento’s safety on the road — or lack thereof — stacks up to other counties in California.

RankCounty# of accidents w/ injuries in 2017# of fatal accidents in 2017
1Los Angeles62,574715
2Orange15,173197
3San Diego14,694222
4Riverside10,511283
5San Bernardino10,020308
6Alameda8,30197
7Sacramento8,012157

Sacramento is the sixth-worst California county for car thefts

Sacramento County ranks No. 6 for the worst California counties for auto thefts, according to data from the National Insurance Crime Bureau. Sacramento saw over 8,300 thefts in 2020, compared to San Diego’s nearly 11,000 and San José’s 10,900 thefts that year. However, unlike many parts of California, Sacramento’s car thefts have decreased in the last few years.

You still may want to add comprehensive coverage to your policy to help you recover if your car gets stolen. You’ll pay an average of $8 more per month for it, according to the National Association of Insurance Commissioners auto insurance cost in California. Yet that price may be worth it if you need to replace your car.

Year# of car thefts in Sacramento
20189,392
20198,677
20208,329

How to save on car insurance in Sacramento

Boost your savings with your insurance company, no matter which one you choose. These tips may lower your overall car insurance premium.

  • Getting several quotes. Compare companies for the coverage you need, overall cost and perks that provide you real savings or benefits.
  • Taking a defensive driving course. Save 5–20% for completing a driver training course, depending on the company. Your discount could last three to five years.
  • Parking in a garage or secured parking. Keep the possibility of car theft at bay by securing your car when you’re not using it.
  • Joining a telematics program to improve your driving. Many companies like Allstate or Progressive offer telematics that track your driving. Land a hefty discount for driving safely.
  • Consider biking or ridesharing. If you live in the city and have your work or shopping close by, aim to lower how much you drive for a low-mileage discount.

Compare cheap car insurance in California

Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
Allstate
Yes
Yes
Drivewise
Yes
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

Speak to an agent: 877-526-1527

Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Root
No
Yes
Telematics only
Yes
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
The AARP Auto Insurance Program from the Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Liberty Mutual
Yes
Yes
RightTrack
Yes
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime.

Speak to an agent: 877-336-0538

Nationwide
Yes
No
Yes
Yes
All states except AK, HI, LA, MA
Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service.
Savvy
Yes
Depends on provider
No
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
AAA
Yes
Yes
No
Yes
AK, AZ, CA, MT, NV, UT and WY
Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in AK, AZ, CA, MT, NV, UT and WY.
State Farm
No
Yes
Drive Safe and Save
Yes
All 50 states
Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value.

Speak to an agent: 877-745-0232

Allied
Yes
Yes
Nationwide SmartRide
No
AZ, CA, CO, DE, FL, GA, ID, IL, IN, IA, KS, MD, MI, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI& WY
Finding the right auto insurance doesn’t have to be confusing. Allied Insurance has a network of independent agents to help you get customized coverage for your unique needs.
Assurance
Yes
Yes
No
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
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Compare up to 4 providers

Bottom line

Sacramento offers many solid choices for car insurance companies, including ones that cater to low mileage, safe drivers or those wanting local agents. Compare your options and talk through the coverage you should get with your agent or customer support.

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