Car Insurance in Sacramento, California

Living in California’s capital means navigating everything from downtown city streets to winding roads near the American River. GEICO helps Sacramento drivers find car insurance that makes sense for their lifestyle, with coverage that’s simple, reliable, and built to save you money.

Get a Car Insurance Quote in Sacramento, CA

Shopping for car insurance in Sacramento is easier than ever with GEICO. Our free online quote tool helps you compare coverage options in minutes. Just answer a few simple questions, and we’ll show you personalized rates that fit your needs and budget.

Minimum Car Insurance Requirements in Sacramento, CA

California requires all drivers to carry a minimum level of car insurance to stay legal on the road. These requirements are designed to help cover the costs of an accident if you're found at fault. Here’s a quick breakdown of the minimum liability coverage every driver in Sacramento—and across the Golden State—needs to have.

Auto Insurance Coverages in Sacramento, CA

Understanding your coverage options is key to getting the right protection on the road. GEICO offers a range of auto insurance choices to help Sacramento drivers stay covered, whether you’re commuting to work or taking a weekend trip out of town. The most common types of coverage include:

Liability Coverage

Liability coverage helps pay for injuries or property damage you cause to others in an accident. In California, this type of coverage is required by law, and it's a smart way to protect yourself financially if you're found at fault in a crash.

Uninsured/Underinsured Motorist Coverage

If you're hit by a driver with little or no insurance, uninsured/underinsured motorist coverage can help cover your medical bills and other expenses. California insurers are required to offer this coverage, but drivers can reject it. While optional, it’s a good safeguard against the unexpected.

Collision & Comprehensive

Collision coverage helps pay to repair or replace your car if it’s damaged in a covered accident. Comprehensive coverage protects against non-collision incidents like theft, vandalism, fire, or natural disasters. These aren’t mandatory, but they offer greater peace of mind. Note that some lenders may require collision and comprehensive insurance if you finance or lease your vehicle.

Medical Payments

Medical Payments coverage (MedPay) helps cover medical expenses for you and your passengers after an accident. It can help pay for hospital visits, surgery, X-rays, and other necessary treatments. While optional, it’s a valuable layer of protection.

Sacramento, CA Car Insurance Discounts

Looking for ways to save on Sacramento car insurance? GEICO offers various discounts to help drivers get the coverage they need, including:

• Multi-policy: Bundle your auto policy with your homeowners policy to save money on car insurance.
• Good Driver: Maintain a clean driving record for at least three years, and you may qualify for reduced rates.
• Good Student: Full-time Sacramento students with a minimum B average and with eight years or less driving experience can get rewarded for academic excellence with lower premiums.
• Vehicle Equipment: Vehicles with certain safety features may be eligible for a discount.

How Much Does Car Insurance Cost in California?

The cost of car insurance in California can vary based on several personal and driving-related factors. Proposition 103 limits the factors insurers can use when setting your rates. Instead of looking at things like your credit score, insurers focus more on your driving history, years of experience, and how often and how far you drive. Other factors—like your ZIP code, vehicle type, and selected coverages—can also influence what you’ll pay.

To get a clearer picture of what your rate might look like, try GEICO’s Coverage Calculator. It’s a quick, easy way to explore your options and build a policy that fits your needs.

Optional Car Insurance Coverages and Add-Ons

Looking for extra protection or added convenience? GEICO offers a variety of optional coverages that can help you feel more confident behind the wheel and give you support when you need it most.

• Emergency Roadside Service: Get 24/7 help if your car breaks down. This coverage includes towing, jump starts, flat tire changes, and more.
• Rental Car Reimbursement: If your car’s in the shop after a covered accident, we’ll help cover the cost of a rental.
• Mechanical Breakdown Insurance: Covers certain repairs to your vehicle’s major systems in excess of the manufacturer’s warranty.
• Rideshare Coverage: Driving for a rideshare company? This add-on helps bridge the gap between your personal policy and the coverage provided by the rideshare service.

Get a Free Sacramento Car Insurance Quote Today!

Ready to see how much you could save on Sacramento car insurance? Contact a GEICO insurance specialist or get a fast, free quote today to explore coverage options built to match your needs.