Sacramento Insurance Rates:

Sacramento, CA home insurance is approximately $515 to $696, about $42-$58/month. Our complete analysis shows customers can save as much as $242 by comparing different quotes

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Sacramento, California Homeowners share details on the cheapest & most trustworthy home insurance companies for you to compare & get great deals.

Sacramento Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $670/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $275,000

4 Beds, 4 Bath 2000 sqft Seasonal Residence Constructed In 2012 with Wood Flooring, Composition Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Swimming Pool, Copper Water Pipes, Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $280/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $220,000

4 Beds, 4 Baths 1860 sqft Vacation Property Constructed In 1970 with Linoleum, Membrane Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

58 Years old Single Female who is a Freelancer with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $510/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $260,000

5 Beds, 5 Baths 1680 sqft Vacation Property Constructed In 2005 with Carpet Flooring, Wood Shake Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Divorced Female who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $210/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

2 Beds, 2 Bath 1290 sqft Rental Property Constructed In 1979 with Stone Flooring, Membrane Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Married Male who is Unemployed and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $170/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

5 Beds, 5 Baths 1990 sqft Rental Property Constructed In 1976 with Ceramic Tile Flooring, Tile Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Fireplace, Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $30/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $140,000

2 Beds, 2 Bath 1030 sqft Vacation Property Constructed In 1996 with Hardwood Flooring, Membrane Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fire Extinguisher, Fireplace, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Single Male who has a Full Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $530/10 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $180,000

2 Beds, 2 Bath 908 sqft Primary Residence Constructed In 1970 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Fireplace, Swimming Pool, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Married Male who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $114/2 months for $310,000 Coverage
My neighborhood is fairly affluent and is looked after pretty well. Our high maintainence fee allows us to have a somewhat more basic home insurance.
I live alone & work from home as a freelancer with a good income from my graphic design job.
Home Insurance Rate of $140/2 months for $175,000 Coverage
1400 square foot single family home with 3 bedrooms and 2.0 bathrooms located near north Laguna. We bought it as a new home 15 years ago for $200,000 & should be worth a little bit more now.
50 year old couple with kids in college. One of them is still in our auto insurance policy. Old home & very little left on the mortgage.

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Sacramento Rates & Quotes Analysis:

Sacramento Area Estimated House Insurance
Ortega St, Michael Way, Park Ridge Ct, Blossom Ct, Cresent Valley Ct, Rensselaer Way, Salix Way, Bowmont Way, Heritage Park Ct, Valenda Ct$595
Blackrock Dr, Landaker Ct, Woodwright Way, Claire Dr, Woodrow Way, Cavalier Way, Howerton Dr, Dahlia Dr, Deer Run Way, Linn Way$623
Foothill Garden Ct, Chestnut Ave, Doss Way, Decathalon Cir, N B St, Ellen Rose Ct, Kimsue Ct, W Withington Ave, High Point Ln, Beloit Dr$602
McLin Way, Camino Place Ct, St Martin Ct, Dawson Way, Cadman Ct, Boyce Dr, Gulf of Haifa Ave, Ydra Ct, College View Way, Debbie Ln$590
Buster Ct, Izzy Way, Varsity Ct, Chuckwagon Dr, W 2nd St, Giarre Way, Red Pine Ct, Beaver Tail Ct, Water Glen Cir, Woodgreen Ct$601
Raffia Ct, Jaden Ln, Quail Haven Ln, Pow Way, Millner Way, Shurwin Ln, Hale Ct, Maple Ln, Leatha Way, Fobes Dr$600
Cornerstone Way, Smokey Leaf Ct, Durango Ct, Deer Grove Ct, Laramore Way, Adorn Ct, Maybelline Way, del Campo Ln, Sophia Way, Van Dyce Way$594
Koster Way, Lauffer Way, Mission Beach Ct, Barrett Rd, Elwell Ct, Mousetail Ct, Pasture Ct, Hing Ave, Liama Creek Way, Munroe St$606
Bartig Way, New Era Ct, Larkin Way, Riverpine Ct, Los Cerros Dr, Butterwood Cir, Jefferson Ave, Kymper Ct, G Pkwy, Park Ave$613
Component Way, Kahara Ct, Calument St, Acacia Woods Ct, Spyglass Ln, Goldenland Ct, Ermina Dr, Calgary Ave, Potter Ln, Devon Ln$593

Insurance rates are influenced by a number of factors including:

  • Year Built: 69,206 Homes (16% of total) built between 1980 to 1989 in Sacramento are paying home insurance between $904-$913 in contrast with Arden-Arcade (+$10), Carmichael (+$13), Gold River (+$37), Fruitridge Pocket (-$23) and Lemon Hill (-$33).
  • Bedrooms: 72,393 4 bedrooms homes (17% of total homes ) in Sacramento are paying about $376. Areas near to Sacramento such as Vineyard, Carmichael, Elk Grove are costlier by $4, $6, $3 respectively whereas Fruitridge Pocket and Lemon Hill are more economical by $9, $8 respectively for similar homes.
  • Auto Insurance Bundling: 91,991 Households (42% of all households) in Sacramento have 2 vehicles available and when it is bundled with home insurance you can save $121 and differs from Fruitridge Pocket ($118), Lemon Hill ($116), Parkway ($118).
  • Senior Discounts: 104,075 seniors (more than 55 years) occupied housing units (48% of total) in Sacramento get discounts between $90 to $92 in contrast with Fruitridge Pocket ($88), Lemon Hill ($87), Rosemont ($89).
  • New Homes discounts: New homes such as the 165,820 homes built between 2000 to 2009 in Sacramento can save $121 and varies from Fruitridge Pocket ($118), Lemon Hill ($116), Parkway ($118).

Sacramento Homeowners insurance Facts

  • Sacramento, CA has 215,663 owner occupied houses which is 54.3% of all units whereas Fruitridge Pocket, Lemon Hill and Parkway have 36.9%, 39.74% and 52.33% respectively.
  • Sacramento, CA homeowners yearly insurance price at $606 is 0.25% of the typical house value of $242,100 which is in contrast with 0.4% in Fruitridge Pocket, 0.57% at Lemon Hill & 0.39% in Parkway.
  • Homeowners in Sacramento, CA pay 3.46% of their income ($15,000 to $19,999) in insurance whereas homeowners in Fruitridge Pocket, Lemon Hill and Parkway pay 3.38%, 3.34% and 3.38% respectively.
  • Sacramento, CA’s insurance is 2.7% of monthly housing costs of $1,878/month, for owners with a mortgage compared to 3.3% in Fruitridge Pocket, 4.01% at Lemon Hill & 3.56% in Parkway. But, for households without a mortgage, insurance is 11.8% of costs ($429 in Sacramento, CA) in contrast with 15.15% in Fruitridge Pocket, 13.19% at Lemon Hill & 12.18% in Parkway.

Sacramento, CA Home Values & Insurance rates

For example, insurance for 32,422 Homes (18.0% of total homes ) valued between $200,000 to $249,999 in Sacramento, CA is about $563. Rates in nearby areas in such as Arden-Arcade, West Sacramento, Vineyard are cheaper by $85, $22, $74 respectively while Fruitridge Pocket and Lemon Hill are costlier by $335 and $710 respectively for similar homes.

Sacramento, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 9,097 5.0% $60
$70,000 to $79,999 2,445 1.0% $181
$80,000 to $89,999 3,840 2.0% $212
$90,000 to $99,999 3,169 1.0% $236
$100,000 to $124,999 12,456 6.0% $272
$125,000 to $149,999 12,413 6.0% $339
$150,000 to $174,999 18,867 10.0% $406
$175,000 to $199,999 15,234 8.0% $466
$200,000 to $249,999 32,422 18.0% $563
$250,000 to $299,999 28,469 15.0% $684
$300,000 to $399,999 36,905 20.0% $872

Renters Insurance in Sacramento

  • Average Renters Insurance in Sacramento :  $186($15/month)

  • Median Gross Rent in Sacramento :  $990

  • Sacramento Renters Insurance to Median Rent Ratio:  1.52%

  • Renter occupied housing units in Sacramento :  181,201

Sacramento Renters Insurance as a Percentage of Rent

Sacramento Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 4,268 2.0% $796
$300 to $499 5,648 3.0% $1246
$500 to $749 26,539 15.0% $1921
$750 to $999 52,078 29.0% $2671
$1,000 to $1,499 59,206 33.0% $3796
$1,500 or more 27,215 15.0% $5446

Rent Affordability in Sacramento:

Approximately 50.0% (90,737) of households are spending more than 35% of their income on gross rent in Sacramento

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 14,241 7.0%
15.0 to 19.9 percent 19,014 10.0%
20.0 to 24.9 percent 19,635 10.0%
25.0 to 29.9 percent 20,902 11.0%
30.0 to 34.9 percent 16,672 9.0%
35.0 percent or more 90,737 50.0%

Sacramento Renters Insurance Discounts:

Sacramento Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Sacramento, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 86,724 47.0% $18.6
2 vehicles available 50,010 27.0% $27.9
3 or more vehicles available 17,258 9.0% $37.2

Sacramento Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 13,858 7.0% $99
60 to 64 years 8,033 4.0% $79
65 to 74 years 11,145 6.0% $64
75 years and over 9,452 5.0% $49

Protective device discount in Sacramento Up to :  $27

Claims-free discount in Sacramento Up to :  $37

Sacramento, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
95830 $464,300 $660
95864 $442,200 $640
95816 $425,300 $650
95819 $412,700 $650
95818 $408,100 $640
95837 $406,300 $640
95831 $340,000 $630
95814 $288,600 $620
95829 $279,400 $620
95835 $271,500 $620
95821 $262,700 $620
95817 $237,100 $610
95822 $233,100 $610
95825 $230,000 $610
95834 $220,900 $610
95826 $216,900 $610
95833 $198,300 $600
95841 $194,000 $600
95827 $190,600 $600
95820 $178,600 $600
95832 $169,700 $600
95842 $164,300 $600
95828 $160,400 $600
95823 $151,200 $600
95838 $147,600 $600
95815 $131,300 $590
95824 $115,500 $590