West Sacramento, CA Car Insurance

How does West Sacramento stack up to the rest of the area, or even California as a whole? What rates can residents of West Sacramento expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:

---

---

How much is car insurance in West Sacramento?

According to the chart above, the rates you'll pay for coverage in West Sacramento are about the same as what you would pay anywhere else in California.

Likewise, car insurance rates in West Sacramento are often favorable when viewed against the rest of the country. On average, it's about $28 less to insure your vehicle in West Sacramento than it is in the rest of the United States.

Bear in mind that while these rates represent the expected monthly payments for West Sacramento drivers, it doesn't mean that's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

But worry not, we've done the heavy lifting and broken down the average rate for West Sacramento to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

---

---

Average Car Insurance Rates by Age

The more time you've spent on the road, the more experience you have. When it comes to auto insurance rates, that experience pays off. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may start to rise again in West Sacramento.

Average Car Insurance Rates by Gender

Car insurance rates for women are generally cheaper than they are for men. This is true in West Sacramento, where women pay around $8 less per month. As you can see in the table above, male drivers in the area typically pay $57 on average, while female drivers typically pay $49 each month.

Average Auto Insurance Rates by Driving Record

Your driving record can have a huge impact on your car insurance rates. Those with clean records can expect to pay less than those with infractions. In West Sacramento, having a single accident on your record will usually get you rates around $60 a month. Likewise, drivers with one ticket will be looking at a rate of around $74 a month on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

In terms of affordable coverage, the cheapest vehicles to insure in West Sacramento are by and large trucks and vans, at $47 per month.

SUV drivers will see rates of about $48, while the rates for car owners average out to about $55 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is close to 5 years old. In West Sacramento, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Generally, those who have settled down into marriage will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.

Despite single drivers normally paying less for auto insurance than married drivers, both groups pay about the same for monthly coverage in West Sacramento.

Average Car Insurance Rates by Housing Situation

One other element taken into consideration is your living situation. If you rent your home or apartment, expect to pay around $1 less than those who own their own home in West Sacramento. But those who live at home with their parents can expect to pay significantly more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in West Sacramento, CA

Recent trends in car insurance for West Sacramento drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.

The cost of auto insurance coverage in West Sacramento decreased steadily from 2017-2021. It finished up in 2022, at $48 per month

How does West Sacramento compare to neighboring areas?

Why are car insurance rates in West Sacramento different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:

• General road safety (how many accidents each locality has)
• Area regulations
• Crime levels
• Total number of drivers in the area
• Off-street parking availability

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in West Sacramento?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com will handle the heavy lifting for you. Just enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in West Sacramento.

---

---

West Sacramento Insurance FAQs

What factors affect car insurance quotes in West Sacramento?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

Why is the cost of car insurance in West Sacramento different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in West Sacramento?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to West Sacramento?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to West Sacramento or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.