5 Cheapest Car Insurance in Sacramento

Auto insurance is considered expensive in US, especially in the California where average rates are higher than what is obtainable nationwide. Everyone is therefore interested in getting best cheap car insurance in Sacramento, California. In Sacramento, the average cost of car insurance is $2,328 per year or $194 per month for full coverage, while minimum coverage costs an average of $660 per year or $55 per month. Meanwhile, the national average cost for full coverage is $2,014 per year, which show that the cost in Sacramento is $300 higher than national average.

At Business Compiler, we try to help people to make better financial planning. In this article, we have compiled list of cheapest car insurance companies in Sacramento. Our findings show that Wawanesa offers drivers in Sacramento some of the cheapest average rates followed by Geico.

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Cheapest Car Insurance Companies in Sacramento

  • Wawanesa
  • Geico
  • Kemper
  • Mercury
  • Progressive


Wawanesa takes the first position as the cheapest car insurance policies provider in Sacramento with $95 per month or $1,140 per year.

Wawanesa which started operation in Canada has established large presence in California today. The Auto insurance company ranked number one in the 2022 J.D. Power U.S. Auto Insurance Study based on California customers’ opinions of its billing process, policy information, claims handling, customer interactions, policy offerings and price.

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The second cheapest car insurance in Sacramento is GEICO with average premium costs of $122 per month.

In addition to Geico’s comparatively low average premiums, the company offers range of discount opportunities to its policyholders, especially the military members, federal employees, safe drivers, good students and others. You need to contact an agent verify your discount eligibility.


Kemper is another car insurance company that offers cheap insurance policies tailored to high-risk drivers,  and other standard coverages and a few endorsements. 

Kemper’s full annual coverage costs $1,861 or, and while minimum coverage costs $610 per annum.

Kemper also has other options like gap insurance, drivers can choose from customized options like Kemper Total, which may help new auto owners cover the cost of repairing or replacing a damaged car instead of paying out its actual cash value, which includes depreciation.

On the flipside,  despite having the third cheapest  full coverage rate, Kemper has the highest minimum annual coverage.


Mercury is the fourth cheapest car insurance company in Sacramento with $1,882 average annual premium for full coverage, and $588 average annual premium for minimum coverage.

In J.D. Power’s customer satisfaction report, Mercury scored above the regional average, thereby placing it on the third position for both cheapest and best in terms of service delivery. 

The company also offers rideshare insurance. Rideshare coverage may be ideal for drivers of app-based ride services such Uber and Lyft. If you prefer doing business online Mercury’s digital tools may  ideal for you. It has network of local agents available to handle business in person. 


Progressive is the fifth cheapest car insurance company in Sacramento with average annual premium of $1,924,for full coverage, and $551 for minimum coverage.

Progressive offers several cost effective policies to help policyholders save money.  Drivers who enroll on its Snapshot telematics program, which tracks their driving habits and those with safe driving behaviors are rewarded with a discount.

Meanwhile, J.D. Power ranked Progressive lower-than-average on claims satisfaction rating.

Related: Top 10 Cheapest Car Insurance in California

Ikechukwu Evegbu

Ikechukwu Evegbu is a graduate of Statistics with over 10 years experience as Data Analyst. Worked with Nigeria's Federal Ministry of Agriculture and Rural Development. A prolific business development content writer. He's the Editor, Business Compiler

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