Car Insurance in Sacramento, California

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Sacramento Car Insurance

Driving in Sacramento means navigating busy roads like J Street, the Capital City Freeway, and Highway 50. Mercury understands the challenges Sacramento drivers face, from downtown traffic to the crowded routes along the Sacramento River. Our auto insurance policies are designed to provide robust protection no matter where you drive in the city. Californians save an average of $1,056 with Mercury Insurance¹, making us a smart choice for affordable and reliable coverage. Plus, you can earn additional savings with our various discounts, such as our multi-car, good student, and exceptional driver discounts.

Why Choose Mercury?

Customized coverage: We offer a wide range of coverage options, including liability, collision, comprehensive, uninsured motorist, and medical payments coverage. This ensures that you can select the policy that best fits your driving habits and financial situation.
Affordable rates and discounts: Mercury offers some of the cheapest auto insurance rates in Sacramento, and you can save even more with our discounts and bundling options.
Local expertise: Our local agents know the city and the challenges you face as a driver, from bustling streets to wildfire threats that could damage your vehicle. Rely on Mercury to provide you with the personal service and protection you need.
24/7 claims process: Whether you get in an accident or a tree branch falls on your car, you can file a claim any time of day via phone or online.

Sad woman talking on cell phone near wrecked car

Is Auto Insurance Mandatory in Sacramento?

Yes, auto insurance is mandatory in Sacramento, as it is throughout California. State law requires all drivers to have a minimum level of liability insurance to cover bodily injury and property damage.

Legal Requirements to Drive in Sacramento

According to the California Department of Motor Vehicles, the minimum liability insurance requirements in California are:

$30,000 for injury/death to one person.
$60,000 for injury/death to more than one person.
$15,000 for damage to property.

These requirements ensure you have financial protection in case you’re responsible for an accident that causes injury or property damage to others. Additionally, you must carry proof of insurance in your vehicle at all times and present it upon request by law enforcement officers.

Optional Coverages in Sacramento

In addition to the mandatory liability insurance, Mercury offers a variety of optional coverages to provide you with extra protection and peace of mind. Here are some of the key coverages to consider:

Comprehensive coverage: Protects your vehicle against damage not caused by a collision, such as theft, vandalism, natural disasters, and falling objects. Given the wildfire threats in the Sacramento area, this coverage can be particularly valuable.
Collision coverage: Covers the cost of repairing or replacing your vehicle if it's damaged in a collision, regardless of who’s at fault. This is especially useful for dealing with accidents on Sacramento's busy roads and highways.
Uninsured/underinsured motorist coverage: Provides protection if you're involved in an accident with a driver who doesn't have enough insurance to cover the damages.
Medical payments coverage: This coverage helps pay for medical expenses for you and your passengers if you're injured in an accident, regardless of who’s at fault.

How Much Is Car Insurance in Sacramento?

According to Bankrate, the average cost of full coverage car insurance in Sacramento is $3,235 annually, or $270 monthly. However, your exact rate can depend on multiple factors, including your driving record, the type of car you drive, your coverage level, and more.

Mature couple is having car trouble in the forest, examining the engine and calling for assistance

What Is Not Covered?

Auto insurance can’t cover everything, so it’s important to know what falls outside the lines so you’re not caught off guard if you need to file a claim. Here are a few things standard auto policies in Sacramento typically don’t cover:

Wear and tear or mechanical failures: Standard car insurance policies don’t cover regular maintenance issues or general wear and tear, such as worn-out brakes, engine failure due to age or lack of upkeep, and transmission repairs.
Intentional damage or illegal activity: If you intentionally damage your own vehicle or use it for illegal activities, your insurance policy won’t cover any resulting losses. This also includes fleeing law enforcement or racing on public roads.
Personal belongings inside your vehicle: Items like laptops, smartphones, or bags stolen from inside your car are not covered under auto insurance. For these types of losses, you would need renters or homeowners insurance.
Rideshare use without proper coverage: If you drive for a rideshare company like Uber or Lyft and haven’t added rideshare coverage to your policy, claims made while driving for work may be denied. Mercury offers optional rideshare endorsements that fill this coverage gap, so talk to your agent if this applies to you.
Business use in a personal car: Using your personal vehicle for business purposes—e.g., deliveries or transporting goods—requires a commercial auto insurance policy. Personal coverage won’t apply in these cases.

How to Get Car Insurance in Sacramento

Getting car insurance in Sacramento is quick and hassle-free with Mercury. Whether you need basic liability coverage to meet California’s minimum requirements or comprehensive coverage for added protection, our local agents are here to guide you through the process.

Get started today by reaching out to a Sacramento insurance agent or calling us at (877) 292-9762.

Portrait of woman enjoying road trip in open top classic car

Get Cheap Auto Insurance in Sacramento from Mercury

Looking for affordable auto insurance? Mercury offers some of the cheapest car insurance rates in Sacramento and comprehensive coverage options without compromising quality.

Golden Gates drawbridge in Sacramento in the night time

Save More with Discounts

Californians save an average of $1,056 with Mercury Insurance¹, and you could save even more by taking advantage of our discounts. Mercury offers a variety of ways to lower your car insurance costs, including:

Good driver discount: If you’ve got a clean driving record and a few years behind the wheel, you could earn savings of up to 20%.
Exceptional driver discount: If you’ve also been licensed for at least 5 years, have no at-fault accidents or major convictions in the past 5 years, and no minor violations in the past 3 years, Mercury rewards you with additional discounts of up to 6%.
Multiple car discount: Insuring two or more cars under one policy? You could qualify for a discount of up to 23.5% just by bundling your vehicles.
RealDrive® program discount: Mercury’s RealDrive® program uses actual mileage to help calculate your premium. Save up to 20.9% by enrolling and ensuring all your vehicles participate.
Anti-lock brake discount: Have anti-lock brakes? Mercury offers up to a 1% discount for vehicles equipped with this safety feature.
Good student discount: If you’re a single driver with less than 8 years of driving experience and you’re a full-time student with at least a “B” average (3.0 GPA or better), you can save up to 12.5% on your premium.

Contact a Sacramento insurance agent to learn more about all the discounts and savings available with Mercury.

Bundling with Mercury

Want to lower your insurance costs even further? You could save up to 17.9% on your homeowners policy and up to 14.5% on your auto policy when you bundle with Mercury.

Sacramento home insurance: Protect your home and belongings with our comprehensive home insurance policies. Our coverage options safeguard against fire, theft, natural disasters, and more, giving you peace of mind knowing your most valuable asset is protected.
Sacramento renters insurance: If you rent your home in Sacramento, choose our renters insurance that covers your personal belongings, provides liability protection, and offers additional living expenses.

Gold Tower Bridge and Sacramento River in Sacramento, California, photographed from River Walk Park at night.

Top Rated Auto Insurance in Sacramento

Mercury Insurance has been a trusted provider for Sacramento drivers for decades, offering reliable and affordable auto insurance coverage. We understand the challenges of driving in Sacramento, from heavy downtown traffic to bustling highways like the 5. With our commitment to exceptional customer service, competitive rates, and comprehensive coverage options, Mercury continues to be a top choice for Sacramento residents.

Want to see what our customers have to say? Read their experiences and find out why Sacramento drivers choose Mercury.