Auto Insurance in Sacramento (95828)
California · Expensive · 88th percentile statewide
Carrier Rates in 95828
6-month premiums from SERFF rate filings. Standard driver profile.
How 95828 Compares
Sacramento (95828) is expensive for auto insurance in California, ranking in the 88th percentile.
The cheapest carrier is USAA at $578/6mo — 71% less than the most expensive (Allstate at $2,012).
The median premium of $1,078 is 18% above the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Sacramento (95828)?
The median 6-month premium in Sacramento (95828) is $1,078 across 8 carriers. Premiums range from $578 to $2,012, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 95828?
USAA offers the lowest rate in 95828 at $578/6mo. That's 71% less than the most expensive option (Allstate at $2,012/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance expensive in 95828?
Auto insurance rates in Sacramento (95828) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Sacramento ranks in the 88th percentile statewide, meaning it's expensive compared to other California ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in California
Want full rate data for 95828?
Access ZIP-level rate data across all 9 carriers, 1,745 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.