Car Insurance Sacramento, California

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Car Insurance Sacramento

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 $1,008 with Mercury Insurance¹, making us a smart choice for affordable and reliable coverage.

¹Savings info. based on 2024 CA Department of Insurance rate comparison. Individual savings may vary.

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: 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 NerdWallet, the average cost of car insurance in Sacramento is $2,144 annually, which is higher than the statewide average of $1,948 annually. However, your exact rate can depend on multiple factors, including your driving record, the type of car you drive, your coverage level, and more.

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

Golden Gates drawbridge in Sacramento in the night time

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.

Save More with Discounts

Californians save an average of $1,008 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: Safe drivers with clean records can qualify for lower rates.
Multi-car discount: Insure more than one vehicle with Mercury and save.
Anti-theft feature discount: Equip your with anti-theft devices, and you could qualify for a discount
Pay in full discount: Pay your premium upfront and we’ll provide you with a discount

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.

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.