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Homeowners insurance in Sacramento, CA costs $891 a year on average. A home insurance policy protects your biggest investment, so it’s important to have the right coverage.

There are a lot of insurance companies in Sacramento to choose from, and shopping around will ensure you get the best coverage at the best price. Below we’ll look at homeowners insurance rates in Sacramento by company, coverage level and more to help you get the best deal.

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 $891 per year for dwelling coverage of $200,000 and $1,201 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 (Dwelling)Average annual rateAverage monthly rate

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

Cheapest homeowners insurance companies in Sacramento

Price is an important consideration when shopping for home insurance, and the cost of home insurance in Sacramento varies a lot by company. While rates matter, it’s also important to look at each company’s reputation before you buy.

According to an analysis, Allstate is the cheapest home insurance company in Sacramento with an average annual rate of $813. The following table shows the cheapest home insurance companies in Sacramento.

Company nameAverage annual cost
CSAA Insurance (AAA)$900
State Farm$1,110
Mercury Insurance$1,129
Auto Club Enterprises (AAA)$1,330

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. There are a few different types of discounts that companies offer.

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 $223 a year.

Loyalty discount:

Staying with the same insurance company can earn you a loyalty discount, which could save you around $85 annually on your home insurance in Sacramento.

Security equipment discounts:

Apart from bundling and loyalty 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 $46 a year on average from your insurer.

New home discount:

Besides, on If you buy new construction, you can get cheaper rates by insuring a newly constructed home, policyholders can get a new home discount of $495 a year on average. Make sure you get all the discounts for which you are eligible to trim your Sacramento homeowners insurance cost.

Methodology compared homeowners insurance rates in 2022 provided by Quadrant Information Services for around 29,000 cities in all states including Washington D.C for $300,000 property damage coverage with a $1,000 deductible and $100,000 liability coverage. The rates were analyzed for almost 34,000 ZIP codes for those with good credit ratings. Content has been updated in 2023.

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