Average cost of condo insurance in Sacramento
The average cost of condo insurance (HO-6) in Sacramento is $602 per year, which is $50 per month, for a coverage level of $40,000 for personal property and liability protection of $100,000 with a $1,000 deductible.
However, insurance rates vary depending on your location in the city, the company and the coverage limits. The highest average rate for condo insurance in Sacramento is $992, $597 more than the lowest average rate of $395.
| Average annual cost | $602 |
| Average per month cost | $50 |
| Highest average rate | $992 |
| Lowest average rate | $395 |
Cheapest condo insurance in Sacramento
The most affordable condo insurance company in Sacramento is State Farm, with an average yearly cost of $448. The second most affordable option is Allstate, with an average annual rate of $499.
These rates are only averages, so it's a good idea to compare quotes from different companies to find the best option for your needs.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $448 | $37 |
| Allstate | $499 | $42 |
| Travelers | $533 | $44 |
| Auto Club Enterprises (AAA) | $563 | $47 |
| Nationwide | $709 | $59 |
| Farmers | $713 | $59 |
| Mercury Insurance | $747 | $62 |
| USAA | $603 | $50 |
Condo insurance cost in Sacramento compared with the state average
Condo insurance costs an average of $602 per year in Sacramento. That's $48 less expensive than the state average of $650.
| City average cost | $602 |
| State average cost | $650 |
Condo insurance cost in Sacramento by coverage level
Several factors affect your HO-6 condo insurance. One key factor is your location, and another is the amount of personal property coverage you choose. The higher your coverage limit, the higher the condo insurance cost.
For example, the average annual cost for $40,000 in personal property coverage is $602, or about $50 per month.
Condo insurance rates in Sacramento with $100,000 liability
The following table shows the cost of condo insurance for four coverage levels with a liability limit of $100,000 and $1,000 deductible.
| Coverage | Average annual rate | Average per month rate |
|---|---|---|
| $40,000 | $602 | $50 |
| $60,000 | $692 | $58 |
| $80,000 | $765 | $64 |
| $100,000 | $841 | $70 |
Condo insurance cost in Sacramento with $300,000 liability
The following table shows the cost of condo insurance for four coverage levels with a liability limit of $300,000 and $1,000 deductible.
| Coverage | Average annual rate | Average per month rate |
|---|---|---|
| $40,000 | $621 | $52 |
| $60,000 | $712 | $59 |
| $80,000 | $786 | $65 |
| $100,000 | $863 | $72 |
Methodology
Insurance.com compared condo insurance rates provided by Quadrant Information Services from 2023 for around 29,000 cities in all states and Washington D.C for multiple coverage levels. The content has been updated for 2025.
Compare condo insurance rates by city in California
Helpful home insurance tools and calculators
