Essential Guide to Auto Insurance in Sacramento

Sacramento ranks among the most expensive cities for car insurance nationwide. Residents face premiums averaging $2,074 annually, notably higher than California's average of $1,783. Finding affordable coverage is challenging, but options like Nationwide offer rates around $912—about 11% less than the city average—and Century National also provides competitive quotes. Insurance costs depend on factors such as vehicle type, driver age, and driving history. Comparing quotes from multiple providers helps reveal the best deals. Remember, the cheapest plan isn't always the most suitable—consider coverage features and customer service. In Sacramento, higher accident rates influence premiums, especially for cars valued over $2000, requiring comprehensive and collision coverage. Despite being 17% below California's average, Sacramento's rates remain above the national figure, with top insurers including GEICO, State Farm, and Allstate.