Auto Insurance in Sacramento (95864)
California · Above Average · 73th percentile statewide
Carrier Rates in 95864
6-month premiums from SERFF rate filings. Standard driver profile.
How 95864 Compares
Sacramento (95864) is above average for auto insurance in California, ranking in the 73th percentile.
The cheapest carrier is USAA at $498/6mo — 71% less than the most expensive (Allstate at $1,736).
The median premium of $982 is 8% above the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Sacramento (95864)?
The median 6-month premium in Sacramento (95864) is $982 across 8 carriers. Premiums range from $498 to $1,736, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 95864?
USAA offers the lowest rate in 95864 at $498/6mo. That's 71% less than the most expensive option (Allstate at $1,736/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance above average in 95864?
Auto insurance rates in Sacramento (95864) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Sacramento ranks in the 73th percentile statewide, meaning it's above average compared to other California ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in California
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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.