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Cheap Car Insurance Sacramento CA Stands number 1 in the list of most expensive cities in CA. Car Drivers in Sacramento CA tend to pay $260 more for auto insurance premium than the rest of the state ( California ). Average car insurance in Sacramento CA can cost around $2,074 per year, while average car insurance rate for CA is $1,783. In Sacramento CA itself, the difference between the cheapest ( GEICO Car Insurance – $1,314 ) and the most expensive car insurance company ( Nationwide Car Insurance – 2,984 ) is over $1600 a year. We have compared car insurance quotes from multiple companies in Sacramento CA to determine which insurance company offer the cheapest car insurance rates and which has the most expensive quotes. Based on our data GEICO, Erie And State Farm car insurance offer the cheapest auto insurance rates in Sacramento CA. These three low cost car insurance companies are almost 29% lower than average car insurance rates in Sacramento CA.