In Sacramento, the average cost of homeowners insurance is $1,237 for a policy with $300,000 in dwelling coverage, according to our latest insurance pricing analysis.
While average premiums in Sacramento are lower than both the statewide and national average, there's a good chance that Sactown residents have seen a higher insurance bill in recent years.
Home insurance rates are going up everywhere in California as the state works its way through a home insurance crisis stemming from the high number of claims in recent years due to worsening wildfire events. Several insurance carriers, including State Farm and Allstate, have either limited their coverage territory or left the state entirely the last few years, claiming they're no longer able to pay out these expensive claims. This has left California homeowners with fewer — and more expensive — options to choose from.
Our picks for the best homeowners insurance companies reflect the current state of home insurance in California, so carriers with limited availability were not considered in this guide. At Policygenius, we offer several companies featured in this guide, as well as the California FAIR Plan — a last-resort home insurance option for homeowners struggling to find coverage on the private market.
Compare the best cheap homeowners insurance companies in Sacramento
Based on our findings, Nationwide, Farmers, Travelers, AAA, and Bamboo are the best homeowners insurance companies in Sacramento.
To find the best cheap homeowners insurance in Sacramento, Policygenius reviewed over a dozen of the largest insurance companies in California and chose the five with the highest overall Policygenius rating.
Our ratings are based on each company's financial strength and customer service ratings, the number and quality of available coverage, and average policy premiums in 20 Sacramento ZIP codes.
Company | Average monthly cost | Policygenius rating | |
|---|---|---|---|
$87 | 4.5 out of 4 | ||
$152 | 4.5 out of 5 | ||
$90 | 4.4 out of 4 | ||
$68 | 4.3 out of 5 | ||
N/A | 4.2 out of 5 |
Learn more >> Our picks for the best home insurance in California
2025 Policygenius award winner
Nationwide
4.5
Bundle home & auto
Mobile app
New homebuyer discount
Offers extended replacement cost
Why we chose it
Nationwide home insurance features an extensive range of comprehensive coverage and policy options. It also received high marks for claims satisfaction with J.D. Power, indicating you can rely on Nationwide when it matters most.
Pros and cons
Pros
Multiple high-quality coverage options
Highly rated for claims satisfaction with J.D. Power
Cons
Below-average customer satisfaction and digital experience ratings
Won’t cover Airbnbs or other short-term rentals
More details
Why we chose Nationwide
Nationwide is known for it's robust policy options and large selection of coverage add-ons, such as flood coverage and options to rebuild your roof with stronger materials after a covered loss, making Nationwide a smart choice if you live in an area of Sacramento at risk of wildfires or windstorms. Nationwide's average home insurance rate of $87 per month is also among the cheapest of any company in Sacramento, and it has several available discount options to boot.
How do Nationwide home insurance rates compare to the Sacramento average?
The average cost of Nationwide home insurance in Sacramento is $1,046 per year, which is around 15% lower than the average average annual premium in Sacramento of $1,237.
How to get a quote
Online through Policygenius or Nationwide
2025 Policygenius award winner
Farmers
4.5
Offers extended replacement cost
Bundle home & auto
Smart home discounts
Why we chose it
Along with saving around 20% when you bundle your home and car insurance, Farmers also gives you access to its extensive suite of discounts, unique policy credits, and claim-free incentives that help put money back in your pocket.
Pros and cons
Pros
12+ discounts to save on rates
Optional extended or guaranteed replacement cost dwelling coverage
Shave $50 off your deductible each year you’re with Farmers
Cons
Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys
More details
Why we chose Farmers
Depending on your state of residence, you can save up to 45% on your auto insurance and up to 34% on your home insurance when you bundle policies with Farmers, according to the company website.
Even more, Farmers has up to 16 additional discounts and money-saving policy perks. For context, Farmers competitors offer an average of around seven discounts total.
How do Farmers home insurance rates compare to the Sacramento average?
The average cost of Farmers home insurance in San Diego is $1,825 per year, which is around 48% higher than the average annual premium in Sacramento of $1,237.
How to get a quote
Online through Farmers
2025 Policygenius award winner
Travelers
4.4
Bundle home & auto
New homebuyer discount
Mobile app
Offers extended replacement cost
Offers flood insurance
Why we chose it
Travelers offers the best cheap home insurance in California thanks to an average annual premium that's 17% below the statewide average, industry-best financial ratings, and flexible policy options for most home types and budgets.
Pros and cons
Pros
Green home coverage and discounts
Offers short-term rental coverage for Airbnb hosts
Doesn’t require prior insurance on the home
Cons
Subpar customer service ratings with J.D. Power
Underwhelming number of available discounts
More details
Why we chose Travelers
Travelers is a reputable home insurance provider that offers comprehensive policy options at relatively cheap prices. Another benefit of choosing Travelers is its underwriting flexibility, meaning its willingness to provide coverage for risks that other insurance companies won't cover. These risks include homes with no prior insurance coverage, coverage for short term rentals, and liability protection for trampoline injuries if its fitted with protective netting.
How do Travelers home insurance rates compare to the Sacramento average?
The average cost of Travelers home insurance in Sacramento is $1,074 per year, which is around 13% cheaper than the average annual premium in Sacramento of $1,237.
How to get a quote
Online through Policygenius or Travelers
2025 Policygenius award winner
AAA
4.3
New homebuyer discount
Mobile app
Bundle home & auto
All 50 states
Offers earthquake insurance
Offers flood insurance
Offers extended replacement cost
Why we chose it
Automobile Club of Southern California (AAA) lands the top spot for customer service thanks to its 4th place finish in J.D. Power's 2022 U.S. Home Insurance Study, placing ahead of other insurance carriers in California.
Pros and cons
Pros
Affordable rates, plus 15+ home insurance discounts available
20+ policy coverages and add-ons — including flood and earthquake insurance
Slew of other perks and discounts that come with AAA membership
Cons
AAA membership required to purchase home insurance
Coverages, discounts, and claims experience will vary by the regional AAA auto club you receive insurance through
Below-average customer satisfaction scores — and 4 times more NAIC complaints than similar home insurance companies
More details
Why we chose AAA
AAA placed 4th out of 20 companies in J.D. Power's 2022 home insurance customer satisfaction study, placing ahead of every other California insurer we reviewed. The study takes into account customer interaction, billing process, pricing, policy information, and claims.
How do AAA home insurance rates compare to the Sacramento average?
The average cost of AAA home insurance in San Diego is $821 per year, which is around 34% cheaper than the average annual premium in Sacramento of $1,237.
How to get a quote
Online or by calling AAA. Keep in mind that membership is required to get a home or auto insurance quote AAA.
Bamboo Insurance
3.4
Why we chose it
Bamboo is an excellent option for California and Arizona homeowners who’ve struggled to find home insurance elsewhere. It’s one of the few home insurers still writing policies in the Golden State — many have pulled out due to the high risk of wildfires.
Pros and cons
Pros
Available in high-risk areas of California
Offers coverage for regular homes, vacant properties, rentals, and vacation homes
Cons
Not included in the NAIC complaint index, meaning we weren’t able to rate Bamboo on customer service
Policy cost information not available as of Feb. 2024
More details
Why we chose Bamboo Insurance
Bamboo Insurance is one of the few home insurance providers still writing policies in high-risk areas of California, with many insurers having pulled back coverage in recent years due to record wildfire losses.
While somewhat of an unknown, Bamboo currently holds down an excellent "A" rating with AM Best for financial strength and stability, indicating you won’t have to worry about Bamboo not being able to pay out claims in the event of a disaster.
How to get a quote
Online through Policygenius or Bamboo Insurance
Methodology & why you can trust our rates
Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:
Dwelling: $300,000
Other structures: $30,000
Personal property: $150,000
Loss of use: $60,000
Liability: $300,000
Medical: $1,000
All rates based on the above coverage limits except where otherwise noted.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
How much is homeowners insurance in Sacramento?
The average cost of homeowners insurance in Sacramento is $1,237 per year, or $103 per month, according to our analysis of quoted premiums in every ZIP code in the city.
This makes home insurance in Sacramento around 11% cheaper than the California state average of $1,383 per year, and almost 29% less expensive than the national annual average of $1,754.
Sacramento home insurance rates by ZIP code
Home insurance rates can vary substantially depending on which ZIP code your home is located in, as homes in certain neighborhoods or suburbs of Sacramento may have a higher risk of wildfire damage or property theft than others.
To help you find out how much home insurance costs where you live, we calculated average home insurance rates for the 10 most highly populated ZIP codes in Sacramento.
ZIP code | Average annual cost | Difference from state average (%) |
|---|---|---|
95823 | $1,269 | -8% |
95822 | $1,234 | -11% |
95831 | $1,199 | -13% |
95838 | $1,248 | -10% |
95835 | $1,232 | -11% |
95833 | $1,238 | -10% |
95820 | $1,243 | -10% |
95834 | $1,228 | -11% |
95824 | $1,248 | -10% |
95815 | $1,259 | -9% |
Cheapest ZIP codes for home insurance in Sacramento
With an average home insurance premium of $1,199 per year, the 95831 ZIP code (Pocket) is the most affordable area for home insurance in Sacramento. Right behind it is the 95811 ZIP code (South Pacific/Richards) with an average annual rate of $1,203.
ZIP code | Average annual cost | Difference from state average (%) |
|---|---|---|
95831 | $1,199 | -13% |
95811 | $1,203 | -13% |
95816 | $1,212 | -12% |
95819 | $1,214 | -12% |
95818 | $1,222 | -12% |
95814 | $1,228 | -11% |
95834 | $1,228 | -11% |
95835 | $1,232 | -11% |
95822 | $1,234 | -11% |
95833 | $1,238 | -10% |
Most expensive areas for homeowners insurance in Sacramento
With an average annual home insurance rate of $1,269, the 95823 ZIP code (Parkway) is the most expensive area for homeowners insurance in Sacramento. Though keep in mind that even in the most expensive areas of Sactown, premiums are still around 8% cheaper than the California average.
ZIP code | Average annual cost | Difference from state average (%) |
|---|---|---|
95823 | $1,269 | -8% |
95836 | $1,261 | -9% |
95832 | $1,260 | -9% |
95815 | $1,259 | -9% |
95830 | $1,255 | -9% |
95837 | $1,248 | -10% |
95838 | $1,248 | -10% |
95824 | $1,248 | -10% |
95820 | $1,243 | -10% |
95817 | $1,240 | -10% |
Learn more >> Home insurance rates by ZIP code
Sacramento home insurance costs by coverage amount
Dwelling coverage is the portion of homeowners insurance that covers the cost to repair or rebuild your home after a disaster, as long as the damage is covered under your policy. Your policy's dwelling coverage limit should be equal to the amount it would cost to rebuild your home from the ground up.
As you may expect, larger homes or homes constructed with expensive materials cost more to rebuild and require higher dwelling coverage limits. And the higher your dwelling coverage limit is, the more you'll pay for homeowners insurance.
Dwelling coverage limit | Average annual cost |
|---|---|
$100,000 | $546 |
$200,000 | $882 |
$300,000 | $1,237 |
$400,000 | $1,741 |
$500,000 | $2,104 |
Sacramento home insurance costs by deductible amount
A home insurance deductible is the amount you’re responsible for paying on each claim before insurance helps cover the remainder of the loss.
As shown in the table below, Sacramento residents can save a few hundred dollars each year by choosing a $1,000 or $2,000 deductible over a $500 one.
Deductible | Average annual cost |
|---|---|
$500 | $1,387 |
$1,000 | $996 |
$2,000 | $1,003 |
Cheapest homeowners insurance companies in Sacramento
Based on our analysis, USAA, AAA, Allstate, Mercury, and State Farm are the five cheapest home insurance companies in Sacramento, with average citywide premiums ranging from $814 to $996 per year — well below the Sacramento average.
Nationwide, Travelers, National General, and CSAA are also among the most affordable home insurance options for Sacramento homeowners in 2023, as detailed in the table below.
Company | Average annual cost |
|---|---|
$814 | |
$821 | |
$885 | |
$901 | |
$996 | |
$1,046 | |
$1,074 | |
$1,207 | |
$1,216 | |
$1,269 | |
$1,543 | |
$1,739 | |
$1,825 | |
$1,983 |
Learn more >> Who has the cheapest home insurance in California?
Cheapest home insurance in Sacramento if you have an older home
Insurance carriers consider older homes to have a higher risk of damage or loss compared to newer homes since they're constructed with older and more difficult to replace materials. Additionally, certain structural components in older homes, like the roof or plumbing systems, may not be up to code.
Looking at average quotes for a 50-year-old home, Mercury is the cheapest home insurance option for Sacramento homeowners with older homes, while The Hartford is the most expensive.
Company | Average annual cost |
|---|---|
Mercury | $813 |
AAA | $821 |
Allstate | $888 |
USAA | $935 |
Nationwide | $1,011 |
Travelers | $1,057 |
State Farm | $1,069 |
National General | $1,185 |
Pacific Specialty Insurance | $1,216 |
AAA | $1,239 |
Chubb | $1,543 |
AIG | $1,823 |
Farmers | $1,825 |
The Hartford | $1,989 |
Cheapest homeowners insurance in Sacramento if you have a history of claims
Your claims history is one of the biggest factors insurers will consider when determining your home insurance premium.
If you've file one or multiple claims in the last five years, insurers will likely consider you to be more of a risk for future claims compared to if you had none on your record. And they'll likely charge you higher rates as a result.
According to our analysis, homeowners with three claims within a five-year period will likely find State Farm to be their cheapest option, while they'll likely find The Hartford to be the most expensive.
Company | Average annual cost |
|---|---|
State Farm | $1,095 |
National General | $1,207 |
AAA | $1,216 |
Pacific Specialty Insurance | $1,269 |
USAA | $1,292 |
AAA | $1,302 |
Allstate | $1,327 |
Mercury | $1,973 |
AIG | $2,526 |
Nationwide | $2,546 |
Chubb | $2,945 |
Farmers | $3,361 |
Travelers | $3,474 |
The Hartford | $5,693 |
How to get homeowners insurance quotes in Sacramento
Now that you're familiar with the best and most affordable insurance options available in Sacramento, it's time to start shopping for homeowners insurance. Here are some things you should keep in mind as you compare home insurance quotes in Sacramento.
Learn more >> How to get home insurance in California
Frequently asked questions
How much is home insurance in Sacramento?
The average cost of home insurance in Sacramento is $1,237 per year or $103 a month. Though your own rates may vary depending on the carrier, the amount of insurance you need, your home's wildfire risk, and several other factors.
Why are home insurance rates going up in California?
As home-threatening wildfires become more common and severe in California, homeowners may see their rates continue to increase. A good way to keep homeowners insurance costs down is to re-shop your insurance every year to make sure you aren’t missing out on a better deal elsewhere. A Policygenius agent can help you compare quotes from multiple insurers at once, all for free.
What’s the cheapest homeowners insurance in Sacramento?
With an average premium of $814 per year, USAA has the cheapest home insurance rates in Sacramento, while The Hartford's average rate of $1,983 is the most pricey.
