Sacramento is California's capital city and the heart of the Central Valley, home to approximately 525,000 residents. As one of California's most affordable major cities, Sacramento also offers some of the state's more reasonable auto insurance rates — though rates have risen in recent years alongside statewide trends.
In 2026, the average Sacramento driver pays approximately $1,850 per year for full coverage and around $555 per year for liability-only coverage — well below the LA and SF averages.
Average Auto Insurance Rates in Sacramento by ZIP Code (2026)
| ZIP Code | Area | Full Coverage / Year | Liability Only / Year |
|---|---|---|---|
| 95814 | Downtown Sacramento | $2,100 | $625 |
| 95822 | South Sacramento | $2,200 | $655 |
| 95825 | Arden-Arcade | $1,800 | $535 |
| 95831 | Pocket / Greenhaven | $1,750 | $520 |
| 95841 | North Highlands | $1,900 | $565 |
Top Discounts for Sacramento Drivers
- Good Driver Discount (20%) — California's mandatory discount for 3+ clean years
- Multi-Vehicle Discount (10–15%)
- Bundle with Homeowners (10–20%)
- Good Student Discount (5–15%) — Sacramento has several universities
Get Your Free Sacramento Auto Insurance Quote
Sewell Insurance Agency serves all of Sacramento County and the greater Capital Region. Call (619) 821-4121 or get a free quote online today.