Car Insurance in Sacramento, CA

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Mercury Car Insurance in Sacramento

Driving in Sacramento means navigating busy streets like J Street, the Capital City Freeway, and Highway 50. Mercury understands the unique challenges of Sacramento’s roads, from downtown traffic to the crowded routes along the Sacramento River. Our policies are designed to provide robust protection no matter where you drive in the city.

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:

$15,000 for injury/death to one person.
$30,000 for injury/death to more than one person.
$5,000 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.

What Does Sacramento Auto Insurance Not Cover?

While auto insurance provides valuable protection for drivers, it’s important to understand its limitations. Here are some common scenarios and items that auto insurance typically doesn’t cover:

Regular wear and tear: Auto insurance doesn’t cover the costs associated with regular maintenance or wear and tear on your vehicle. This includes items like brake replacements, tire wear, and oil changes.
Intentional damage: If you intentionally cause damage to your own vehicle, your auto insurance will not cover the costs of repair or replacement. This includes any damages resulting from deliberate acts of vandalism or fraud.
Personal belongings: Items stolen from or damaged within your vehicle, such as electronics, clothing, or personal belongings, are generally not covered by auto insurance. Homeowners or renters insurance usually covers these items.
Business use: Standard auto insurance policies don’t cover vehicles used for commercial purposes. If you use your car for business activities, such as deliveries or ridesharing, you’ll need business auto insurance.

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

Mercury provides various discounts to help you save even more on your auto insurance. Whether you have a clean driving record, multiple vehicles, or safety features on your car, you may qualify for significant savings. Contact your agent today to see how much money you can save.

Bunding with Mercury

Explore the advantages of bundling your insurance policies with Mercury and enjoy the convenience and savings it offers.

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.

Golden Gates drawbridge in Sacramento in the night time

Sacramento Car Insurance FAQ

How much is car insurance in Sacramento?

According to Value Penguin, the average cost of auto insurance in Sacramento is $54 per month for minimum coverage and $157 per month for full coverage.

Is California car insurance high?

According to Bankrate, the average cost of full-coverage auto insurance is $2,633 per year, which is higher than the national average of $2,299 per year.

Why is it so hard to get auto insurance in Sacramento?

According to an article by Cal Matters, the combination of rising costs, regulatory hurdles, high accident rates, natural disaster risks, and insurer practices has made obtaining auto insurance in California more difficult. Despite these challenges, you still have options and should explore all available resources to find suitable coverage, such as Mercury Insurance.

How to find the cheapest car insurance in Sacramento?

Mercury offers some of the cheapest car insurance rates in Sacramento. Visit the California Local Agents page, find some options in your area, and compare quotes to get the best value for your needs and budget.

What products does Mercury offer in Sacramento?

Mercury offers the following products to Sacramento residents: