Whether you’re worried about high water and heavy rain or simply avoiding congestion on Interstates 5 and 80, the right car insurance policy can protect Sacramento drivers and their finances.

To help you comparison shop, we’ve gathered quote data from Jerry customers in Sacramento that show how different factors like your location, age, driving history and coverage needs can influence your car insurance rates.

Cheapest minimum coverage insurance in Sacramento

California requires the following minimum car insurance coverages:

• $30,000 per person for bodily injury liability.
• $60,000 for bodily injury per accident for multiple persons injured.
• $15,000 for property damage liability per accident.

These are the cheapest quotes that Sacramento drivers have been quoted for minimum coverage via Jerry.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Sacramento

Sacramento drivers can face hazardous weather conditions, including wildfires, earthquakes and mudslides, but the state’s minimum required coverage won’t protect your finances if your car is damaged by a wildfire or mudslide.

Full coverage, which includes collision and comprehensive insurances, pays for damage to your vehicle in an accident, no mater who is at fault, and pays for repairs after weather damage.

Here are the cheapest full coverage quotes that Sacramento drivers have received via Jerry.

Cheapest car insurance for young drivers in Sacramento (18-29 years old)

Age is a factor in your car insurance costs, and younger drivers often pay higher rates. You can still find affordable coverage if you’re 18 to 29 years old, but you may have to compare quotes from multiple insurers to find the best rate. Here are the cheapest quotes that young Sacramento drivers have received via Jerry.

Cheapest car insurance for mature drivers in Sacramento (30-54 years old)

Cheapest car insurance for older drivers (55+ years old)

Cheapest car insurance for drivers with clean records in Sacramento

A clean driving record can help ensure you get the most affordable coverage possible. Here are the cheapest rates that Sacramento Jerry customers with spotless driving records have been quoted.

Cheapest car insurance for drivers with at-fault accidents in Sacramento

Cheapest car insurance for drivers with speeding tickets in Sacramento

Speeding tickets are likely to raise your premium, but the speed you’re going when you’re cited is also a factor. Here are the lowest-cost quotes that Sacramento drivers who have been cited for speeding have received via Jerry.

Cheapest car insurance for drivers with DUIs in Sacramento

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.