Cheapest Car Insurance Quotes in West Sacramento

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West Sacramento Car Insurance

^$ 28

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in West Sacramento

The car insurance rate in West Sacramento is $1345 for a six-month policy, which is $100 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $693, making it a popular choice for budget-conscious drivers. Rates in West Sacramento can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in West Sacramento

$1345

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in West Sacramento

1st place: CSAA

At $693 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $1110 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA NorCal

AAA NorCal offers auto insurance rates at $1129 for six months, making it the third cheapest auto insurance company in West Sacramento.

West Sacramento Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Sacramento, CA is CSAA, offering policies at just $693 for a six-month term. This is followed by Mercury, which has an average six-month premium of $1110.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1482 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Sacramento drivers find the best deals.

Cheap Car Insurance Companies in West Sacramento, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$693	$117
Mercury	$1110	$187
AAA NorCal	$1129	$192
Progressive	$1129	$190
Wawanesa	$1180	$199
USAA	$1200	$202
Auto Club	$1231	$210
Allstate	$1373	$231
AAA SoCal	$1449	$246
Kemper	$1534	$256
State Farm	$1643	$276
Travelers	$1835	$306
Farmers	$1841	$313
AAA	$1482	$247

Key Takeaways

Way's key takeaways about car insurance in West Sacramento

The auto insurance costs in West Sacramento fall around $693 for six months.
The cheapest auto insurance company in West Sacramento is CSAA.
Teen drivers pay the highest rate in West Sacramento at $651 per month.

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Cheapest Minimum Liability Car Insurance in West Sacramento

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in West Sacramento are given below.

CSAA provides the cheapest minimum car insurance coverage in West Sacramento. Their Average 6 Month Premium is $166. Travelers is the most expensive at $705 for the same period.

Cheapest Liability Coverage in West Sacramento, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$166	$28
AAA NorCal	$275	$46
USAA	$314	$53
Progressive	$373	$63
Auto Club	$378	$63
Wawanesa	$397	$67
AAA	$456	$76
AAA SoCal	$462	$79
Mercury	$462	$78
State Farm	$507	$85
Allstate	$584	$98
Farmers	$629	$107
Travelers	$705	$118

Cheapest Full Coverage Car Insurance in West Sacramento

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in West Sacramento is CSAA at $117 per month and $693 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Sacramento, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$693	$117
Mercury	$1110	$187
AAA NorCal	$1129	$192
Progressive	$1129	$190
Wawanesa	$1180	$199
USAA	$1200	$202
Auto Club	$1231	$210
Allstate	$1373	$231
AAA SoCal	$1449	$246
Kemper	$1534	$256
State Farm	$1643	$276
Travelers	$1835	$306
Farmers	$1841	$313
AAA	$1482	$247

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Average Car Insurance in West Sacramento by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in West Sacramento, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in West Sacramento, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, West Sacramento's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in West Sacramento

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$648
30s	Wawanesa	$523
40s	Wawanesa	$523
50s	Wawanesa	$523
60s	Wawanesa	$523
70s	Wawanesa	$512

Cheapest Car Insurance Rates for Teen Drivers in West Sacramento,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the West Sacramento at $77 per month. At $3906 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$449	$77
Capital Insurance Group	$565	$94
USAA	$1469	$247
Wawanesa	$1501	$251
Progressive	$1719	$289
Mercury	$1783	$300
CSAA	$1892	$319
Auto Club	$2778	$463
State Farm	$2835	$477
Allstate	$3297	$555
AAA SoCal	$3489	$593
AAA NorCal	$3535	$589
Travelers	$3670	$624
Farmers	$3906	$651

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in West Sacramento.

As young drivers face the highest rates in West Sacramento, Wawanesa offers the cheapest auto insurance rates at $648 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in West Sacramento.

Car Insurance Rates with An Accident in West Sacramento

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In West Sacramento, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in West Sacramento

The cheapest car insurance companies after an at-fault accident in West Sacramento include AAA and Capital Insurance Group, offering $404 and $590, respectively. Allstate is an expensive provider with an average six-month premium of $3727.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$404	$67
Capital Insurance Group	$590	$100
CSAA	$789	$133
USAA	$1296	$218
Mercury	$1418	$239
Progressive	$1482	$249
Wawanesa	$1668	$278
Auto Club	$1848	$314
Farmers	$2021	$340
AAA NorCal	$2291	$390
AAA SoCal	$2483	$414
State Farm	$2932	$494
Travelers	$3535	$589
Allstate	$3727	$627

West Sacramento Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Sacramento CA. For example, the car insurance in West Sacramento after a DUI increases to $1879 for a six month policy. While the rate increases by $494 for a six-month policy in the case of a speeding ticket.

West Sacramento auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1174	$195
Not-at-fault accident	$1174	$200
One comp claim	$1174	$195
One Med/PIP claim	$1174	$200
Two comp claims	$1174	$195
Two Med/PIP claims	$1174	$200
At-fault accident - less than $1000	$1200	$200
Failure to show documents	$1547	$262
Driving with expired registration	$1578	$264
Driving without lights	$1578	$268
Failure to wear a seat belt	$1584	$265
Child safety restraint	$1597	$271
Speeding 11 - 15 MPH over limit	$1661	$276
Speeding 16 - 20 MPH over limit	$1661	$283
Driving too slowly	$1668	$278
Failure to stop at a red light	$1668	$284
Failure to yield	$1668	$278
Following too closely	$1668	$284
Illegal turn	$1668	$278
In 65 MPH zone	$1668	$284
Speeding 21 - 25 MPH over limit	$1668	$278
Speeding 6 - 10 MPH over limit	$1668	$284
Speeding in school zone	$1668	$278
Improper passing	$1674	$285
Cell phone violation	$1680	$280
Texting while driving	$1680	$286
Passing school bus	$1700	$283
Wrong way/wrong lane	$1988	$338
Operating a vehicle without permission	$2034	$339
At-fault accident - $1000-$2000	$2047	$348
At-fault accident - greater than $2000	$2047	$341
Open container	$2053	$349
Driving with a suspended license	$2380	$396
Reckless driving	$2900	$494
Racing	$2932	$488
Leaving scene of an accident/hit and run	$2944	$501
DUI	$3053	$509
Refusal to submit to a chemical test	$3053	$519

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in West Sacramento after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in West Sacramento.

The cheapest car insurance premiums in West Sacramento are offered by Capital Insurance Group at $879 for a six-month policy. However, it can be as expensive as $808 with companies like AAA.

West Sacramento car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$879	$147
Mercury	$1257	$212
Progressive	$1668	$281
Wawanesa	$1879	$320
Farmers	$2110	$355
CSAA	$2245	$378
USAA	$2316	$390
Travelers	$2630	$443
Auto Club	$3714	$619
AAA NorCal	$4061	$690
AAA SoCal	$4554	$759
State Farm	$5780	$973
Allstate	$5889	$991
AAA	$808	$137

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in West Sacramento are offered by CSAA at $103. However, it can be as expensive as $2823 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in West Sacramento after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$103	$17
Capital Insurance Group	$565	$96
Mercury	$1213	$204
USAA	$1238	$211
Progressive	$1244	$210
AAA NorCal	$1431	$243
AAA SoCal	$1982	$330
Allstate	$2514	$428
Farmers	$2618	$436
State Farm	$2797	$475
Travelers	$2823	$471

Car Insurance Price Trends in West Sacramento, California

Car insurance rates in West Sacramento have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the West Sacramento rose by $229 in January compared to $207 of December. In other words, there has been an increase by $22 when you compare January and December.

The average cost of liability insurance in the West Sacramento rose to $66 in January, compared to $59 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in West Sacramento?

The car insurance in West Sacramento is $28 per month, which is lower than the national average.

What is the cheapest car insurance in West Sacramento?

The cheapest car insurance in West Sacramento is $117 per month for full coverage.

How much is car insurance in West Sacramento for teenagers?

Car insurance for teenagers costs $449 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in West Sacramento?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $226 per month to insure your car in West Sacramento.

Is car insurance expensive in West Sacramento?

Car insurance can be expensive in West Sacramento if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in West Sacramento can be affordable.

Cheapest Car Insurance Quotes in West Sacramento

Why you can trust Way?

How Much Is Car Insurance in West Sacramento

Avg. Car Insurance in West Sacramento

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in West Sacramento

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

West Sacramento Car Insurance Rates by Company

Cheap Car Insurance Companies in West Sacramento, CA

Way's key takeaways about car insurance in West Sacramento

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in West Sacramento

Cheapest Liability Coverage in West Sacramento, CA

Cheapest Full Coverage Car Insurance in West Sacramento

Cheapest Full Coverage Car Insurance Quotes in West Sacramento, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in West Sacramento by Rating Factor

I have a clean driving record. Why is my car insurance rate here in West Sacramento, CA increasing?

Car Insurance Premiums by Age in West Sacramento

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in West Sacramento,CA

If you are in your twenties Wawanesa is the best choice for car insurance in West Sacramento.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in West Sacramento

Cheapest Car Insurance Companies after an At-Fault Accident in West Sacramento

West Sacramento Car Insurance Rates by Violation

West Sacramento auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in West Sacramento after a DUI

West Sacramento car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in West Sacramento after Speeding ticket

Car Insurance Price Trends in West Sacramento, California

Average Car Insurance Cost in West Sacramento by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near West Sacramento, CA

Car Insurance Rates by State in the USA (2025 Update)

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