Car Insurance in Sacramento, CA

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You can save an average of $597† on car insurance in California with AARP Auto Insurance from The Hartford.
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You could save over $600** when you bundle auto and home.
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Get Car Insurance in Sacramento From The Hartford

From the Crocker Art Museum to Sutter’s Fort, there’s so much to experience in Sacramento. As you travel around California’s capital, you can have peace of mind every time you get behind the wheel with AARP® Auto Insurance from The Hartford.1 The Hartford has been protecting AARP members in Sacramento, CA, and their families with car insurance since 1984.
 
The Hartford has earned a reputation for integrity and trust, as well as high customer ratings for claims services. If you’re looking for information about buying car insurance in Sacramento, you’ve come to the right place. Plus, you can save up to 10% on car insurance just for being an AARP member.†
 

Types of Car Insurance Coverage in Sacramento, CA

With The Hartford, you can enjoy customizable coverage options to help keep you and your passengers protected, including:

Liability Coverage

There are two types of liability coverages:

Uninsured/Underinsured Motorist Coverage

Uninsured motorist coverage and underinsured motorist coverage help cover damages if you are hit by a driver who doesn’t have any or enough car insurance to cover the costs of damages and injuries. This insurance is split into three coverages:

Comprehensive Coverage

Comprehensive insurance pays to repair damage to your car from things like:
  • Natural disasters
  • Theft
  • Vandalism
  • Collision with an animal

Collision Coverage

Collision insurance helps cover the cost to repair or replace your car if you hit another vehicle or object, like a fence.

Medical Payments Coverage

Medical payments coverage is an optional coverage that provides financial assistance for medical expenses and rehabilitation after an accident.2

Personal Injury Protection

Personal injury protection (PIP) insurance, also known as no-fault insurance, helps pay for losses related to injuries from a car accident, no matter who was at fault. In addition to medical bills, PIP also helps cover funeral costs or lost wages.
 

Coverage Requirements for Auto Insurance in Sacramento, CA

There are many car insurance coverage options to choose from, but each state has its own minimum requirements for what you must buy. California requires you to carry insurance coverage at these minimum amounts:
 
While this is the least amount of coverage you can buy, everyone's auto insurance needs are different. For example, you may want to extend your protection so you’re fully covered if you get into an accident. We’ll help you get the right auto insurance policy for you, complete with tailored coverage that meets your individual needs.
The Hartford's car coverage calculator will explain what type of insurance is required based on where you live, plus how much additional coverage you may want, depending on your insurance goals.
female customer happily gets an online quote for auto insurance in Sacramento

What Is the Average Cost of Car Insurance in Sacramento?

Auto insurance costs are based on many personal factors, with location being a central one. Each state will have different costs, even sometimes down to the city. Due to this and other details, your unique price may be higher or lower than the average.
On average, The Hartford’s customers pay between $121 and $162 a month for car insurance.† To get your personal AARP member price, get a quote online or call us at 888-546-9099.
 

What Factors Affect the Cost of Car Insurance in Sacramento?

Beyond where you live, there are many other factors that insurance companies use to calculate auto insurance quotes in Sacramento, including:
 
  • Car: Your make, model and year will affect your rate.
  • Driving History: Avoid reckless driving, as even a speeding ticket can increase your insurance quote.
  • Discounts Selected: The Hartford offers exclusive benefits and savings just for AARP members, helping to keep car insurance costs down for California drivers.

AARP Member Discounts for Auto Insurance in Sacramento

Experienced drivers deserve car insurance discounts that reflect their responsible years on the road. The Hartford’s representatives are here to help make sure you take advantage of all the discounts you’re eligible for. Not to mention, you’ll save money just for being an AARP member.
 
With AARP Auto Insurance from The Hartford, you can enjoy these discounts:

What The Hartford’s Customers in California Are Saying

quote 1
“Very satisfied with the easiness of working with The Hartford.”
 
David, from Stockton, California
review 1
quote 2
“No hassle service from beginning to end. I’m very pleased with The Hartford and would recommend.”
 
Nancy, from Campbell, California
review 2
quote 3
“I was connected with an excellent claims adjuster who clearly explained my options for repairing my vehicle. He handled everything promptly and professionally.”
 
Arthur, from Los Angeles, California
review 3
quote 2
“From beginning to end was smooth and no problems! Very efficient.”
 
Peter, from Sacramento, California
review 4
quote 2
“Professional friendly service, easy to file online.”
 
Chana, from San Luis Obispo, California
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quote 3
“I was pleased with the overall experience and would recommend The Hartford to others.”
 
Neil, from Sherman Oaks, California
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Frequently Asked Questions About Car Insurance in Sacramento

Car insurance rates in Sacramento can vary substantially. There is no one-size-fits-all price when it comes to car insurance, no matter where you live. While location is a factor, there are many other things that play an important role in your price, like your driving history, vehicle and coverage amounts.
The Hartford offers several car insurance discounts to help you save, from bundling home and auto coverage to taking an approved defensive driving course. In fact, AARP members who switch to The Hartford could save an average of $597† on car insurance.
No, there is no such thing as AARP insurance. Car insurance from The Hartford, however, is designed exclusively for members. In fact, The Hartford offers the only national auto insurance program endorsed by AARP. To get an auto insurance quote, AARP members can call The Hartford at 888-546-9099. Not a member? We’ll help you sign up.
To get an AARP auto insurance quote from The Hartford, you’ll need to provide:
 
  • Basic personal details, like your name, address and date of birth
  • Vehicle information,*** like make, model and ownership status
  • Details about any additional drivers
  • Information about your current auto insurance policy
*** Tip: Knowing your vehicle identification number (VIN) will get you the most accurate price.

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Last Updated: January 28, 2026
 
2 Medical benefits are calculated on the basis of usual, customary and reasonable charges.
† Average annual savings are derived from 6-month policy terms and based on information reported by customers who switched to The Hartford’s newest rate plan between 9/1/24 and 8/31/25. This data is also used to determine the number/percentage of individuals who saved money when they switched. Your savings may vary. Rate differences from AARP members and non-members vary by state and AARP membership tenure.
** Average annual savings are based on information reported by customers who switched to The Hartford’s newest rate plan between 9/1/24 and 8/31/25. Average auto insurance savings $597 and average home insurance savings $366. Your savings may vary. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
 
Additional disclosures below.
AARP® Auto Insurance
Quick Links
FAQs
For AARP® Members
Additional Resources
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. The Hartford does not write new Home business in all areas, including the states of CA and FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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