Car Insurance in Sacramento
Numbers refreshed
Behind car insurance in Sacramento are California averages, plus a look at how people there drive.
- $141The California average, monthly, for full coverage.
- State minimum limits are 30/60/15.
How much drivers around Sacramento pay
In California, full coverage averages $1,690 a year, while the legal minimum averages $760. Big city costs usually land above the state average, since there is more traffic, more claims and more theft.
| Coverage in California | Per year | Per month |
|---|---|---|
| Liability | $760 | $63 |
| Collision | $718 | $60 |
| Comprehensive | $211 | $18 |
| Full coverage (all three) | $1,690 | $141 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Driving in the city of Sacramento
| Census figure | Sacramento |
|---|---|
| People | 528,706 |
| Average trip to work | 25 minutes |
| Drive to work alone | 64% |
| Homes with no car | 8% |
| Median household income | $87,321 |
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year table-based Summary File.
Your personal estimate
The price the California calculator works out depends on your age, your record and your car. State rules appear in California car insurance requirements.
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