- Sacramento car insurance rates average $2,042 per year for full coverage, or approximately $170 per month.
- Sacramento auto insurance averages $298 per year more than the California state average cost and $475 per year more than the United States national average.
- Monthly car insurance rates for a few popular models in Sacramento include the Chevrolet Equinox at $159, Tesla Model 3 at $179, and Ford F150 at $165.
- For cheap car insurance in Sacramento, California, compact SUV models like the Nissan Kicks, Chevrolet Trailblazer, Hyundai Kona, and Kia Seltos have better auto insurance rates.
How much is car insurance in Sacramento, CA?
The average price for car insurance in Sacramento is $2,042 per year, which is 30.3% more than the U.S. overall average rate of $1,567. Average car insurance cost per month in Sacramento is $170 for a full coverage policy.
In the state of California, the average car insurance cost is $1,744 per year, so the average cost in Sacramento is $298 more per year. The average cost to insure a vehicle in Sacramento compared to other California locations is about $480 per year cheaper than in Los Angeles, $328 per year more than in San Diego, and $242 per year more expensive than in San Jose.
The age of the rated driver is one of the biggest factors in determining the price of auto insurance, so the list below details how driver age influences cost by showing average car insurance rates for different driver ages.
Average car insurance cost for Sacramento, California, drivers age 16 to 60
- 16-year-old driver – $7,314 per year or $610 per month
- 17-year-old driver – $6,830 per year or $569 per month
- 18-year-old driver – $6,380 per year or $532 per month
- 19-year-old driver – $5,768 per year or $481 per month
- 20-year-old driver – $4,052 per year or $338 per month
- 30-year-old driver – $2,148 per year or $179 per month
- 40-year-old driver – $2,042 per year or $170 per month
- 50-year-old driver – $1,856 per year or $155 per month
- 60-year-old driver – $1,824 per year or $152 per month
The next chart shows different average Sacramento auto insurance rates for a variety of different driver ages, deductibles, and risk profiles.
The average cost of car insurance per month in Sacramento is $170, with prices ranging from $141 to $386 for the data in the prior chart.
Car insurance rates can have wide price ranges and can also be very different depending on the company. The likelihood of a wide range of rates stresses the need for multiple auto insurance quotes when looking for the cheapest policy.
Popular vehicles and the cost of insurance
The previous car insurance rates in this article are averaged for every 2022 model year vehicle, which is practical for making big picture comparisons such as the average cost difference between different locations in California. Average auto insurance rates are a good metric when answering questions like “are Sacramento car insurance rates cheaper than in Fresno?” or “is California car insurance cheaper than Texas?”.
But for more useful cost comparisons, we will get better data if we look at the specific make and model of vehicle being insured. Each make and model has slightly different risk exposures for determining auto insurance prices and this data provides for detailed cost analysis.
The following chart breaks down average insurance rates in Sacramento for some of the most popular cars, trucks, and SUVs. Later on, we explore additional situations that affect the cost of insuring some of these vehicles in much more detail.
Which cars have cheap insurance in Sacramento, California?
The models with the best insurance rates in Sacramento tend to be crossovers and compact SUVs like the Chevrolet Trailblazer, Mazda CX-5, Subaru Crosstrek, and Nissan Rogue Sport. Average car insurance quotes for those models cost $1,702 or less per year ($142 per month) for full coverage.
A few other vehicles that rank towards the top in the comparison table below are the Toyota Corolla Cross, Subaru Ascent, Volkswagen Tiguan, and Ford Maverick.
Average insurance cost is a little bit more for those models than the crossover SUVs at the top of the list, but they still have an average cost of $148 or less per month in Sacramento.
| Rank | Make/Model | Annual Cost | Monthly Cost |
|---|---|---|---|
| 1 | Mazda CX-5 | $1,552 | $129 |
| 2 | Nissan Kicks | $1,592 | $133 |
| 3 | Chevrolet Trailblazer | $1,602 | $134 |
| 4 | Honda Passport | $1,640 | $137 |
| 5 | Subaru Crosstrek | $1,640 | $137 |
| 6 | Toyota C-HR | $1,678 | $140 |
| 7 | Chevrolet Colorado | $1,680 | $140 |
| 8 | Buick Encore | $1,686 | $141 |
| 9 | Nissan Rogue Sport | $1,702 | $142 |
| 10 | Hyundai Venue | $1,734 | $145 |
| 11 | Buick Envision | $1,738 | $145 |
| 12 | Kia Seltos | $1,740 | $145 |
| 13 | Ford Maverick | $1,748 | $146 |
| 14 | Acura RDX | $1,750 | $146 |
| 15 | Toyota Corolla Cross | $1,752 | $146 |
| 16 | Subaru Ascent | $1,754 | $146 |
| 17 | Hyundai Kona | $1,764 | $147 |
| 18 | Subaru Forester | $1,768 | $147 |
| 19 | Mazda MX-5 Miata | $1,770 | $148 |
| 20 | Subaru Impreza | $1,772 | $148 |
| 21 | Volkswagen Tiguan | $1,772 | $148 |
| 22 | Chevrolet Spark | $1,780 | $148 |
| 23 | Honda CR-V | $1,788 | $149 |
| 24 | Cadillac XT4 | $1,794 | $150 |
| 25 | Mazda CX-30 | $1,806 | $151 |
The table above that contains 25 ranked vehicles is great if you’re just looking for low rates. A more thorough way to look at auto insurance rates in an analytical manner is to organize them by the segment they belong to.
This next article section discusses the average cost of car insurance for each vehicle segment. The average rates shown in the chart should provide a better idea of which vehicles have the cheapest rates. The subsequent sections break out and rank the top 20 cheapest models for each segment.
Average cost to insure by segment
If you’re shopping for a new vehicle, it’s important to know which categories of vehicles have cheaper car insurance rates in Sacramento.
For instance, you may be wondering if midsize SUVs have cheaper insurance than small SUVs or which size of pickup has has more affordable insurance.
The next chart displays average car insurance cost by vehicle segment in Sacramento. From a segment perspective, small and midsize SUVs, vans and minivans, and midsize pickup trucks tend to have the best average rates, while sports cars and performance luxury models have the most expensive overall car insurance rates.
Rates by different vehicle segments are handy to form a general comparison, but the insurance cost for specific vehicles ranges considerably within each vehicle segment shown in the above chart.
For example, in the small car segment, rates range from the Subaru Impreza at $1,772 per year for full coverage insurance to the Toyota Mirai at $2,638 per year, a difference of $866 within that segment.
As another example, in the midsize truck segment, rates range from the Chevrolet Colorado at $1,680 per year to the Rivian R1T costing $2,598 per year.
In these next sections, we eliminate a lot of this variability by looking at the cost of car insurance in Sacramento at the model level rather than the segment level.
Cars with the best auto insurance rates in Sacramento, CA
Ranking near the top for the most affordable Sacramento car insurance rates in the car segment (excluding luxury models) are the Volkswagen Jetta, Subaru Legacy, Chevrolet Spark, Subaru Impreza, and Volkswagen Golf. Auto insurance rates for these 2022 models average $165 or less per month.
Other models that have cheaper rates include the Honda Insight, Toyota Corolla, Nissan Sentra, and Toyota Camry, with an average car insurance cost of $2,006 per year or less.
From a monthly standpoint, full-coverage auto insurance on this segment in Sacramento for a middle-age safe driver starts at around $148 per month, depending on the company and where you live.
The next table ranks the cars with the lowest-cost insurance rates in Sacramento, starting with the Subaru Impreza at $148 per month and ending with the Chevrolet Malibu at $177 per month.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Subaru Impreza | Compact | $1,772 | $148 |
| Chevrolet Spark | Compact | $1,780 | $148 |
| Volkswagen Golf | Compact | $1,964 | $164 |
| Subaru Legacy | Midsize | $1,978 | $165 |
| Honda Insight | Midsize | $1,984 | $165 |
| Volkswagen Jetta | Compact | $1,984 | $165 |
| Nissan Sentra | Compact | $1,992 | $166 |
| Toyota Camry | Midsize | $2,006 | $167 |
| Kia K5 | Midsize | $2,008 | $167 |
| Toyota Corolla | Compact | $2,008 | $167 |
| Kia Rio | Compact | $2,014 | $168 |
| Volkswagen Passat | Midsize | $2,016 | $168 |
| Honda Civic | Compact | $2,022 | $169 |
| Mazda 3 | Compact | $2,030 | $169 |
| Mazda 6 | Midsize | $2,036 | $170 |
| Toyota Prius | Compact | $2,040 | $170 |
| Hyundai Accent | Compact | $2,066 | $172 |
| Hyundai Veloster | Compact | $2,086 | $174 |
| Kia Forte | Compact | $2,088 | $174 |
| Chevrolet Malibu | Midsize | $2,120 | $177 |
For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.
Don’t see your vehicle? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Sacramento car insurance quotes from top-rated companies in California.
SUVs with the best car insurance rates in Sacramento
Ranking in the top five for the cheapest Sacramento car insurance rates in the SUV segment (excluding luxury models) are the Honda Passport, Subaru Crosstrek, Chevrolet Trailblazer, Nissan Kicks, and Mazda CX-5. Car insurance quotes for these 2022 models average $137 or less per month.
Some other SUVs that have cheaper rates include the Buick Encore, Nissan Rogue Sport, Buick Envision, and Hyundai Venue, with an average cost to insure of $1,738 per year or less.
Additional models that rank well include the Mazda CX-30, Hyundai Kona, Honda HR-V, Ford Edge, and Subaru Forester, which cost between $1,738 and $1,838 per year for full-coverage insurance.
From a monthly standpoint, car insurance rates on this segment in Sacramento for a middle-age safe driver can cost as low as $129 per month, depending on your company and location.
When prices are compared by SUV size, the cheapest compact SUV to insure in Sacramento is the Mazda CX-5 at $1,552 per year, or $129 per month. For midsize SUVs, the Honda Passport has the cheapest rates at $1,640 per year, or $137 per month. And for full-size SUVs, the Chevrolet Tahoe is cheapest to insure at $2,050 per year, or $171 per month.
The rate comparison table below ranks the twenty SUVs with the most affordable insurance rates in Sacramento.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Mazda CX-5 | Compact | $1,552 | $129 |
| Nissan Kicks | Compact | $1,592 | $133 |
| Chevrolet Trailblazer | Compact | $1,602 | $134 |
| Honda Passport | Midsize | $1,640 | $137 |
| Subaru Crosstrek | Compact | $1,640 | $137 |
| Toyota C-HR | Compact | $1,678 | $140 |
| Buick Encore | Compact | $1,686 | $141 |
| Nissan Rogue Sport | Compact | $1,702 | $142 |
| Hyundai Venue | Compact | $1,734 | $145 |
| Buick Envision | Compact | $1,738 | $145 |
| Kia Seltos | Compact | $1,740 | $145 |
| Toyota Corolla Cross | Compact | $1,752 | $146 |
| Subaru Ascent | Midsize | $1,754 | $146 |
| Hyundai Kona | Compact | $1,764 | $147 |
| Subaru Forester | Compact | $1,768 | $147 |
| Volkswagen Tiguan | Compact | $1,772 | $148 |
| Honda CR-V | Compact | $1,788 | $149 |
| Mazda CX-30 | Compact | $1,806 | $151 |
| Honda HR-V | Compact | $1,834 | $153 |
| Ford Edge | Midsize | $1,838 | $153 |
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.
Don’t see your vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in California.
Pickup trucks with cheap car insurance in Sacramento
Ranking at the top for the most affordable Sacramento car insurance rates in the pickup segment are the Toyota Tacoma, Chevrolet Colorado, Nissan Frontier, Ford Maverick, and Ford Ranger. Car insurance rates for these vehicles average $162 or less per month.
Not the cheapest, but still very affordable, are trucks like the Jeep Gladiator, GMC Canyon, Hyundai Santa Cruz, and Ford F150, with an average car insurance cost of $2,008 per year or less.
As a cost per month, full-coverage insurance in Sacramento on this segment for the average driver starts at around $140 per month, depending on your location and insurance company.
The next table ranks the twenty pickups with the most affordable average car insurance rates in Sacramento, starting with the Chevrolet Colorado at $1,680 per year and ending with the GMC Sierra 3500 at $2,402 per year.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,680 | $140 |
| Ford Maverick | Midsize | $1,748 | $146 |
| Ford Ranger | Midsize | $1,814 | $151 |
| Toyota Tacoma | Midsize | $1,898 | $158 |
| Nissan Frontier | Midsize | $1,946 | $162 |
| Hyundai Santa Cruz | Midsize | $1,962 | $164 |
| GMC Canyon | Midsize | $1,966 | $164 |
| Ford F150 | Full-size | $1,976 | $165 |
| Honda Ridgeline | Midsize | $1,988 | $166 |
| Jeep Gladiator | Midsize | $2,008 | $167 |
| GMC Sierra | Full-size | $2,080 | $173 |
| Nissan Titan | Full-size | $2,156 | $180 |
| Chevrolet Silverado | Full-size | $2,196 | $183 |
| Toyota Tundra | Full-size | $2,196 | $183 |
| Ford F350 Super Duty | Heavy Duty | $2,216 | $185 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,234 | $186 |
| Nissan Titan XD | Heavy Duty | $2,292 | $191 |
| Ram Truck | Full-size | $2,334 | $195 |
| GMC Sierra 2500 HD | Heavy Duty | $2,382 | $199 |
| GMC Sierra 3500 | Heavy Duty | $2,402 | $200 |
See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.
Don’t see your pickup model? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in California.
Most affordable luxury car insurance rates in Sacramento, CA
The four top-ranked luxury car models with the most affordable auto insurance in Sacramento are the Acura ILX at $1,878 per year, Mercedes-Benz A220 at $2,006 per year, BMW 330i at $2,158 per year, and Acura TLX at $2,170 per year.
Not the cheapest luxury cars to insure, but still very reasonable, are luxury cars like the Lexus RC 300, BMW 330e, BMW 230i, and Alfa Romeo Giulia, with average rates of $2,266 per year or less.
Auto insurance for this segment in Sacramento can cost as low as $157 per month, depending on your location.
The lowest-cost compact luxury car to insure in Sacramento is the Mercedes-Benz A220 at $2,006 per year. For midsize 2022 models, the Acura ILX is the cheapest model to insure at $1,878 per year. And for full-size models, the Audi A5 has the best rates at $2,400 per year.
The table below ranks the twenty luxury cars with the most affordable average car insurance rates in Sacramento.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura ILX | Midsize | $1,878 | $157 |
| Mercedes-Benz A220 | Compact | $2,006 | $167 |
| BMW 330i | Compact | $2,158 | $180 |
| Acura TLX | Compact | $2,170 | $181 |
| Volvo S60 | Compact | $2,190 | $183 |
| BMW 330e | Compact | $2,198 | $183 |
| BMW 228i | Compact | $2,212 | $184 |
| BMW 230i | Compact | $2,226 | $186 |
| Lexus RC 300 | Midsize | $2,264 | $189 |
| Alfa Romeo Giulia | Compact | $2,266 | $189 |
| Cadillac CT4 | Compact | $2,268 | $189 |
| Lexus RC 350 | Compact | $2,274 | $190 |
| Genesis G70 | Compact | $2,306 | $192 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,318 | $193 |
| BMW i4 | Midsize | $2,330 | $194 |
| Cadillac CT5 | Midsize | $2,338 | $195 |
| Audi A3 | Midsize | $2,360 | $197 |
| Audi A4 | Compact | $2,366 | $197 |
| Mercedes-Benz AMG CLA45 | Midsize | $2,370 | $198 |
| Audi S3 | Compact | $2,372 | $198 |
See our guide for luxury car insurance to compare rates for all makes and models.
Don’t see insurance cost for your luxury car? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Sacramento car insurance quotes from top companies in California.
Luxury SUVs with cheap auto insurance in Sacramento
Ranking highest for the cheapest Sacramento auto insurance rates in the luxury SUV segment are the Volvo XC40, Cadillac XT5, Lexus NX 250, Cadillac XT4, and Acura RDX. Rates for these models average $2,030 or less per year.
Other luxury SUVs that have affordable insurance rates include the Lexus NX 350h, Lexus UX 250h, Lexus UX 200, and BMW X1, with an average cost to insure of $2,086 per year or less.
In the bottom half of the top 20, models like the Infiniti QX50, Lexus RX 450h, Land Rover Evoque, Jaguar E-Pace, Lexus NX 450h, and Lincoln Nautilus average between $2,086 and $2,162 per year to insure.
Car insurance in Sacramento for this segment for an average middle-age driver starts at around $146 per month, depending on where you live.
The lowest-cost small luxury SUV to insure in Sacramento is the Acura RDX at $1,750 per year. For midsize 2022 models, the Cadillac XT5 is the cheapest model to insure at $2,006 per year. And for full-size luxury SUVs, the Volvo XC90 has the best rates at $2,210 per year.
The comparison table below ranks the luxury SUVs with the cheapest car insurance rates in Sacramento, starting with the Acura RDX at $1,750 per year and ending with the Lincoln Corsair at $2,162 per year.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura RDX | Compact | $1,750 | $146 |
| Cadillac XT4 | Compact | $1,794 | $150 |
| Volvo XC40 | Compact | $1,966 | $164 |
| Cadillac XT5 | Midsize | $2,006 | $167 |
| Lexus NX 250 | Compact | $2,030 | $169 |
| BMW X1 | Compact | $2,034 | $170 |
| Lexus NX 350h | Compact | $2,044 | $170 |
| Lexus UX 250h | Compact | $2,046 | $171 |
| Lexus NX 350 | Compact | $2,080 | $173 |
| Lexus UX 200 | Compact | $2,086 | $174 |
| Jaguar E-Pace | Midsize | $2,092 | $174 |
| Lexus RX 350 | Midsize | $2,102 | $175 |
| Acura MDX | Midsize | $2,114 | $176 |
| Lincoln Nautilus | Midsize | $2,132 | $178 |
| Lexus NX 450h | Compact | $2,138 | $178 |
| Mercedes-Benz GLB 250 | Compact | $2,146 | $179 |
| Lexus RX 450h | Midsize | $2,152 | $179 |
| Land Rover Evoque | Compact | $2,158 | $180 |
| Infiniti QX50 | Midsize | $2,160 | $180 |
| Lincoln Corsair | Compact | $2,162 | $180 |
See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.
Don’t see your luxury SUV in the table above? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Sacramento car insurance quotes from top-rated companies in California.
Sports cars with cheap auto insurance
The four top-ranked sports cars with the cheapest auto insurance in Sacramento are the Mazda MX-5 Miata at $1,770 per year, Ford Mustang at $2,154 per year, BMW Z4 at $2,198 per year, and Subaru WRX at $2,320 per year.
Some other sports cars that have cheaper rates include the Chevrolet Corvette, Toyota GR Supra, BMW M3, and Audi TT, with an average car insurance cost of $2,644 per year or less.
Additional 2022 models worth mentioning include the Lexus RC F, Porsche 718, BMW M4, and Lexus LC 500, which cost between $2,644 and $3,366 per year for auto insurance.
From a cost per month standpoint, full-coverage insurance in this segment will start around $148 per month, depending on the company and your location.
The table below ranks the twenty sports cars with the lowest-cost average auto insurance rates in Sacramento, starting with the Mazda MX-5 Miata at $148 per month and ending with the Lexus LC 500 at $281 per month.
| Make/Model | Vehicle Type | Annual Cost | Monthly Cost |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,770 | $148 |
| Ford Mustang | Sports Car | $2,154 | $180 |
| BMW Z4 | Sports Car | $2,198 | $183 |
| Subaru WRX | Sports Car | $2,320 | $193 |
| Toyota GR86 | Sports Car | $2,378 | $198 |
| Toyota GR Supra | Sports Car | $2,434 | $203 |
| Audi TT | Sports Car | $2,486 | $207 |
| Subaru BRZ | Sports Car | $2,564 | $214 |
| Chevrolet Corvette | Sports Car | $2,574 | $215 |
| BMW M3 | Sports Car | $2,644 | $220 |
| Porsche 718 | Sports Car | $2,762 | $230 |
| Chevrolet Camaro | Sports Car | $2,828 | $236 |
| Lexus RC F | Sports Car | $2,896 | $241 |
| Dodge Challenger | Sports Car | $2,906 | $242 |
| Mercedes-Benz AMG GT53 | Sports Car | $2,948 | $246 |
| Jaguar F-Type | Sports Car | $3,086 | $257 |
| Porsche Taycan | Sports Car | $3,168 | $264 |
| Porsche 911 | Sports Car | $3,244 | $270 |
| BMW M4 | Sports Car | $3,254 | $271 |
| Lexus LC 500 | Sports Car | $3,366 | $281 |
Don’t see rates for your sports car? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Sacramento.
Examples of rate variation
To help show how much the cost of car insurance can deviate for different drivers (and also underscore the importance of accurate price quotes), the sections below have detailed auto insurance rates for four popular vehicles in Sacramento: the Chevrolet Silverado, Nissan Sentra, Honda CR-V, and Honda Accord.
The example for each vehicle uses a range of risk profiles to illustrate how rates can be very different based on driver risk profile and policy coverages.
Chevrolet Silverado insurance rates
In Sacramento, Chevrolet Silverado insurance costs an average of $2,196 per year ($183 per month) and ranges from $1,818 to $5,028 per year.
The Chevrolet Silverado is classified as a full-size truck, and other similar models from the same segment include the Toyota Tundra, GMC Sierra, and Ford F150.
Nissan Sentra insurance rates
Nissan Sentra insurance in Sacramento averages $1,992 per year, or about $166 per month, and has a range of $1,652 to $4,454 per year.
The Nissan Sentra is part of the compact car segment, and other models popular in Sacramento include the Hyundai Elantra, Honda Civic, and Volkswagen Jetta.
Honda CR-V insurance rates
Auto insurance for a Honda CR-V in Sacramento averages $1,788 per year (about $149 per month) and ranges from $1,486 to $4,074 annually.
The Honda CR-V belongs to the compact SUV segment, and additional similar models from the same segment include the Toyota RAV4, Nissan Rogue, and Ford Escape.
Honda Accord insurance rates
Auto insurance for a Honda Accord in Sacramento averages $2,132 per year (about $178 per month) and ranges from $1,768 to $4,872 annually.
The Honda Accord is considered a midsize car, and additional models from the same segment that are popular in Sacramento include the Hyundai Sonata, Kia K5, and Chevrolet Malibu.
How to save on auto insurance in Sacramento
Resourceful drivers in Sacramento are always looking to reduce the monthly expense for car insurance So take a minute to review the money-saving tips in this next list and it’s very possible you can save a few bucks on your next policy purchase.
- Your occupation could lower your rates. Some auto insurance companies offer discounts for occupations like doctors, scientists, lawyers, emergency medical technicians, engineers, and others. Being employed in a qualifying profession could save between $61 and $213 on your yearly insurance bill, depending on the age of the driver.
- Auto insurance is cheaper with higher deductibles. Raising your policy deductibles from $500 to $1,000 could save around $236 per year for a 40-year-old driver and $456 per year for a 20-year-old driver.
- Stay claim free and save. Most auto insurance companies offer discounts if you have no claims on your account. Auto insurance is intended to be used to protect you from significant financial loss, not small claims that can be paid out-of-pocket.
- Choose vehicles that have low cost car insurance. Vehicle performance is one of the primary factors in the cost of car insurance. As an example, a Subaru Crosstrek costs $1,604 less per year to insure in Sacramento than a Porsche 911. Choose vehicles with less performance to save money.
- Bring up your credit score to save money. Having a high credit rating of over 800 may save up to $321 per year over a credit score ranging from 670-739. Conversely, a weak credit score could cost up to $372 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Fewer accidents means cheaper auto insurance rates. At-fault accidents raise insurance rates, as much as $2,850 per year for a 20-year-old driver and even $620 per year for a 60-year-old driver. So be a careful driver and save!
- Compare insurance costs before buying a car. Different cars, trucks, and SUVs have very different costs for insurance, and insurers charge a wide range of costs. Check rates before you purchase to prevent price shock when you get the bill.
