Insurance · CA · 2026
Average Car Insurance Cost in Sacramento, CA — 2026
The average car insurance rate in Sacramento is $1,800/year ($150/month) for full coverage in 2026. See how rates compare by carrier and how to get a lower quote.
Average Rate
The average full-coverage auto insurance rate in Sacramento, CA is $1,800/year ($150/month) in 2026 for a standard driver profile (35-year-old, clean record, 2022 Toyota Camry). Rates vary by carrier — the cheapest insurer in Sacramento typically runs 40–60% below the most expensive for the same coverage. Getting 3–5 quotes is the single most effective way to reduce your premium.
Average Car Insurance Cost in Sacramento, CA (2026) — Data Breakdown
| Item | Amount |
|---|---|
| Monthly average | $150/mo |
| Annual average | $1,800/yr |
| Driver profile | 35-yr, clean record, full coverage |
| Cheapest carrier (est.) | ~$86/mo |
| Most expensive (est.) | ~$278/mo |
| Quote spread | $192/mo |
Methodology: Based on NAIC state rate data, state insurance department filings, and comparative quote surveys for Sacramento, CA. Individual rates vary by driving record, vehicle, credit score, and ZIP code.