Sacramento, CA, Car Owners Can Lower Insurance Rates By $660

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The capital of California, Sacramento, is the economic and political epicenter of the state. Research done by Zimlon found the average car insurance rate in Sacramento is $1662 per annum. In proximity to all the major destinations in California, Sacramento has a population of 1,540,975. Counted among the fastest growing cities in the country, Sacramento economy is on an upward swing. A growing population means an increase in the number of drivers on the road. Depending on how much time drivers spend on roadways could have a considerable impact on insurance rates. According to the US Census Bureau, in Sacramento, the median time to travel to work is around 26.9 minutes. The longer drivers spend on roadways, the higher the probability of getting into an accident or collision. Some insurers can view this as high risk and can be a reason for increased car insurance premiums. By comparing rates and reviews, Sacramento drivers can save $660 on car insurance costs. Insurers use variables such as (not limited to) age, driving history, marital status, type of coverage, and location to calculate the cost of insurance.


For most insurance companies location is detrimental to car insurance rates. Depending on the zip code, Sacramento drivers can pay as low as $1122 and as high as $2762 on average car insurance in the city. A 75-year-old senior, residing on Robles St, would save $580 in car insurance against an annual premium of $1648, whereas a 71-year-old man from East Sacramento paying $1652 in car insurance payments would have a savings of $333. In another example, a 32-year-old married man from Serra Way, paying $1965 in car insurance costs would have a savings of $730. In contrast, a 33-year-old man from Stonecreek Dr would save $944 with a car insurance premium of $1924.

Another critical factor to consider is the age of the driver. Usually teenagers are quoted the most in car insurance rates whereas senior citizens and married women tend to pay less than the average cost of insurance. Sacramento's population comprises of 49% men and 51% women. Women drivers pay $1612 on average car insurance while men in the city pay $2110. In Sacramento, married men pay $449 more than married women. However, in the case of seniors citizens- senior women pay $66 more than senior men. It would cost $1728 in car insurance for senior men from Sacramento and $1794 for senior women. Teenagers pay the most when it comes to car insurance payments in the City of Trees. 7% of the total population comprises teenagers, with 51% male and 49% female. Sacramento teenagers pay an average of $3623 in car insurance premiums per year. For example, in Sacramento, a male teenager driving a 2009 Chrysler 300C would pay $3581 in car insurance costs while a female teenager driving a 2011 Lincoln MKZ would pay $3591 for similar coverage. Moreover, post-DUI rates could considerably drive up annual car insurance rates. The post-DUI insurance rates in Sacramento is $3091. For male teenagers in the city, post-DUI car insurance rates are $6738 and $6707 for female teenagers.