Homeowners insurance in Sacramento, CA

How much is home insurance in Sacramento, CA?

The average cost of homeowners insurance in Sacramento varies depending on the coverage level you choose. Homeowners insurance costs $982 per year for dwelling coverage of $200,000 and $1,310 for $300,000 of dwelling coverage.

Below are the average annual and monthly Sacramento home insurance rates for different amounts of dwelling coverage.

Coverage level	Average annual rate	Average monthly rate
$200,000	$982	$82
$300,000	$1,310	$109
$400,000	$1,640	$137
$600,000	$2,412	$201
$1,000,000	$3,525	$294

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Note: For the above rates, the deductible amount is $1,000 and liability protection is $100,000.

How do deductibles affect home insurance rates in Sacramento?

Home insurance rates in Sacramento vary based on the deductible you choose. If you pick a higher deductible, your monthly insurance premium will be lower, while a lower deductible, means lower premiums because the insurance company will pay more if you file a claim, and the odds of you filing a smaller claim are higher.

The table below lists the home insurance rates by deductible in Sacramento.

Deductible	Company	Average annual premium	Average monthly premium
$500	Travelers	$1,063	$89
$500	CSAA Insurance (AAA)	$1,146	$96
$500	Allstate	$1,165	$97
$500	Nationwide	$1,444	$120
$500	Auto Club Enterprises (AAA)	$1,523	$127
$500	Mercury Insurance	$1,615	$135
$500	Farmers	$1,930	$161
$2,000	Travelers	$745	$62
$2,000	CSAA Insurance (AAA)	$878	$73
$2,000	Allstate	$1,073	$89
$2,000	Mercury Insurance	$1,079	$90
$2,000	Nationwide	$1,134	$95
$2,000	State Farm	$1,197	$100
$2,000	Auto Club Enterprises (AAA)	$1,242	$104
$2,000	Farmers	$1,623	$135
$2,500	Travelers	$745	$62
$2,500	CSAA Insurance (AAA)	$854	$71
$2,500	Allstate	$1,051	$88
$2,500	Mercury Insurance	$1,079	$90
$2,500	Nationwide	$1,100	$92
$2,500	State Farm	$1,140	$95
$2,500	Auto Club Enterprises (AAA)	$1,205	$100
$2,500	Farmers	$1,592	$133
$3,000	Travelers	$724	$60
$3,000	CSAA Insurance (AAA)	$829	$69
$3,000	Mercury Insurance	$1,022	$85
$3,000	Allstate	$1,029	$86
$3,000	Nationwide	$1,130	$94
$3,000	State Farm	$1,140	$95
$3,000	Auto Club Enterprises (AAA)	$1,205	$100
$3,000	Farmers	$1,570	$131
$4,000	Travelers	$724	$60
$4,000	CSAA Insurance (AAA)	$792	$66
$4,000	Nationwide	$890	$74
$4,000	Allstate	$959	$80
$4,000	Mercury Insurance	$986	$82
$4,000	State Farm	$1,106	$92
$4,000	Auto Club Enterprises (AAA)	$1,172	$98
$4,000	Farmers	$1,308	$109
$5,000	Travelers	$672	$56
$5,000	CSAA Insurance (AAA)	$768	$64
$5,000	Mercury Insurance	$840	$70
$5,000	Nationwide	$890	$74
$5,000	Allstate	$959	$80
$5,000	State Farm	$1,060	$88
$5,000	Auto Club Enterprises (AAA)	$1,172	$98
$5,000	Farmers	$1,373	$114
$500	USAA	$1,378	$115
$2,000	USAA	$1,176	$98
$2,500	USAA	$1,176	$98
$3,000	USAA	$1,077	$90
$4,000	USAA	$997	$83
$5,000	USAA	$997	$83

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Who has the cheapest homeowners insurance in Sacramento?

According to Insurance.com analysis, Travelers is the most affordable home insurance provider in Sacramento, with an average yearly cost of $955.

Price is a big factor when choosing home insurance, and costs in Sacramento can vary a lot between companies. While saving money is important, it’s also a good idea to consider each company’s reputation before making a decision.

The table below lists the cheapest home insurance companies in Sacramento.

Company	Average annual cost
Travelers	$955
CSAA Insurance (AAA)	$999
Allstate	$1,130
Auto Club Enterprises (AAA)	$1,329
State Farm	$1,345
Nationwide	$1,348
Mercury Insurance	$1,434
Farmers	$1,620
USAA	$1,222

Read our methodology

How does credit affect homeowners insurance in Sacramento?

The average home insurance cost for homeowners is $1,310 per year for dwelling coverage of $300,000, based on Insurance.com data analysis. In California, credit scores do not directly affect homeowners insurance rates due to state regulations prohibiting the use of credit-based insurance scores for setting insurance premiums. It means that, unlike many other states, your credit history won’t impact the cost of your homeowners insurance.

In states where credit scores influence homeowners insurance costs, individuals with lower credit scores often face higher premiums.

How can you save on homeowners insurance in Sacramento?

If you’re looking to save on your homeowners insurance, the best way is comparing quotes from multiple insurers. Homeowners insurance companies offer a variety of different discounts to help you lower insurance costs. Here are a few common ones.

Home and auto bundle discount (multi-policy)

One of the easiest ways to get cheaper home insurance in Sacramento is the multi-policy discount, also known as bundling. If you purchase your home and auto insurance from the same company, you can save an average of $159 a year.

"It’s not always the better option, but more times than not it is because if you bundle usually, you get a 10-20% discount on both policies," says Josiah Hatch, owner and CEO at Bender Hatch Insurance in Boston.

Loyalty discount

Staying with the same insurance company can earn you a loyalty discount, which could save you around $67 annually on your home insurance in Sacramento.

Security equipment discounts

Insurance companies offer discounts to homeowners for installing safety and security equipment, like a fire alarm or burglar alarm. If you install a fire alarm at your home, you can get a discount of $43 a year on average from your insurer.