Insurance Costs in Sacramento, CA
Auto insurance in Sacramento averages $2,520 per year for full coverage, which is higher than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Sacramento, CA: What You Need to Know
Sacramento residents pay an average of $2,520 per year for full coverage auto insurance, which is 10.0% above the California state average and 50.5% above the national average.
With a population of 524,943, Sacramento is one of the largest cities in California. Higher population density, more traffic congestion, and increased accident risk all contribute to above-average insurance rates.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $2,520 | $210 |
| Standard Coverage (50/100/50) | $2,066 | $172 |
| State Minimum (15/30/5) | $1,058 | $88 |
Homeowners Insurance in Sacramento, CA
The average cost of homeowners insurance in Sacramento is $1,669 per year ($139/month), which is 8.3% below the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Sacramento, CA
Renters insurance in Sacramento averages $216 per year ($18/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other California Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Los Angeles | $2,932/yr | $2,561/yr |
| San Diego | $2,474/yr | $2,125/yr |
| San Jose | $2,566/yr | $2,371/yr |
| San Francisco | $2,635/yr | $2,694/yr |
| Fresno | $2,428/yr | $1,556/yr |
| Long Beach | $2,795/yr | $2,238/yr |
| Oakland | $2,864/yr | $2,466/yr |
| Bakersfield | $2,474/yr | $1,480/yr |
How to Save on Insurance in Sacramento
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Sacramento can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Sacramento, CA?
The average cost of car insurance in Sacramento, CA is $2,520 per year for full coverage, or about $210 per month. Minimum coverage costs around $1,058 per year.
Is car insurance expensive in Sacramento?
Yes, car insurance in Sacramento is above both the state and national averages.
How much is home insurance in Sacramento?
Homeowners insurance in Sacramento costs an average of $1,669 per year. Your actual cost depends on your home's value, age, construction type, and specific location.