Sacramento Insurance Rates:

Sacramento, CA homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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What Makes Home Insurance Expensive in Sacramento, CA?

The average cost of home insurance in Sacramento is between $515 and $696. Homeowners here can save up to $242 based on a detailed comparison of home insurance quotes obtained from different home insurance companies. The cost of one’s home insurance depends on numerous factors ranging from the age of the house to the rate of deductibles. Some of the factors that could result in a higher insurance rate are listed below:


Lower Deductible:

The cost of home insurance depends to a large extent on the rate of deductibles. If the rate of the deductible is high, the cost of home insurance is lower and vice-versa. In contrast, paying a low deductible can lead to a massive increase in the cost of home insurance in Sacramento. For example, if the deductible is high, say $2,700, the cost of home insurance for 8 years will be $5,100. But, if the deductible is lower, say $1,700, then the cost of home insurance for 8 years goes up to $5,700.

Area one lives in:

The cost of home insurance can also vary within the city, depending on factors such as the rate of burglaries that take place in that area. For example, the median home insurance rate seems to be the highest in the area that has the zip code 95830, at $660. It is the lowest in the area that has the zip code 95824 ($590).

Value of Home and the Year in which it was Built:

The value of the property, along with its age, also determines the cost of home insurance for that property. A home built in 1981, whose value is $265,000, will have a monthly premium of $260. This also depends on the type of roof and the area in which it is built. In this example, the house has a wood shake roof and is built over an area of 2,250 square feet. Another home, which is relatively new and constructed in 2012, has a value of $275,000. The monthly premium for this home is $670. This is far more expensive than the former. It has four bedrooms and is built on an area of 2,0000 square feet. The difference in the rate of premiums is mainly because the rate of the deductible for the former is greater than $10,000, while for the latter, it is between $1,000 and $2,500.

Sacramento, CA Homeowners Insurance By Home Value

Sacramento, CA Home Value Total Homes % of Total Average Sacramento, CA 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

Top Home Insurance Agents Near Sacramento, CA

Home Insurance Company Near Sacramento, CA Homeowners Insurance Agency Near Sacramento, CA Address
Travelers Atlantic Bay Insurance Services Llc 1321 HOWE AVE STE 111, SACRAMENTO, CA, 95825
Farmers Harlan Maita 7311 Greenhaven Dr Ste 170, Sacramento, CA, 95831
Allstate Jeff Macdonald 2197 Main St, Oakley, CA, 94561
Liberty Mutual Independent Pacific Interstate Ins Brokers 5072 HILLSDALE CIR STE 110, EL DORADO HILLS, CA, 95762
Farmers Tommie Romo 5250 Claremont Ave # 243, Stockton, CA, 95207

Sacramento, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Sacramento, CA

Streets in Sacramento Area Homeowners Insurance Cost
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

Sacramento, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Sacramento$90 to $92
Fruitridge Pocket$88
Lemon Hill$87

Sacramento, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Fruitridge Pocket CDP, California $89 $118 $177
Lemon Hill CDP, California $87 $116 $174
Parkway CDP, California $89 $118 $177

Sacramento, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Sacramento, CA2.7%11.8%
Fruitridge Pocket3.3%15.15%
Lemon Hill4.01%13.19%

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

Sacramento, CA Homeowners 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

Sacramento, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Sacramento Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$1,700$2,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,700$5,100
Net Savings to Sacramento Home Owner from High Deductible Plan $600

Sacramento, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Sacramento, CA Home Replacement Value MORE than Home Value Sacramento, CA Home Replacement Value LESS than Home Value
Replacement Value $221,000 $141,500
Insurance Premium based on Replacement Value $550 $350
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $42,500 Risk Exposure from Under Insuring Coverage is $37,000
Premium Impact Insurance cheaper by $100/year Insurance costlier by $100/year

Example Sacramento Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceChubb Group of InsuranceNationwide Insurance
Monthly Premium 615948
Year Built 199419732012
Home Details 5 Beds, 2 Baths2 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $300000-$350000$250000-$300000$200000-$250000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$500 Deductible

Sample Home Insurance Rates for Sacramento, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1981 265,000 Wood Shake Roof 2,250 3 > $10,000 Deductible 260 10 Stone Siding No
1968 310,000 Metal Roof 2,090 3 $2500-$5000 Deductible 240 4 Vinyl siding yes
2010 340,000 Metal Roof 2,540 4 $2500-$5000 Deductible 190 3 Brick siding No
2001 240,000 Slate Shingles Roof 1,880 3 $500 Deductible 450 8 Brick siding yes
1968 300,000 Membrane Roof 2,020 3 $2500-$5000 Deductible 330 5 Brick siding No
2008 200,000 Composition Roof 1,940 4 > $10,000 Deductible 130 4 Stone Siding No
2012 180,000 Slate Shingles Roof 1,600 4 $5000 to $10,000 Deductible 400 12 Fiber-Cement Siding yes
1998 195,000 Shingles Roof 1,850 5 $1000-$2500 Deductible 150 4 Brick siding No
1982 195,000 Wood Shake Roof 1,290 2 $500- $1000 Deductible 50 1 Stone Siding No
1976 335,000 Slate Shingles Roof 2,680 4 $500- $1000 Deductible 490 8 Wood siding No
1980 240,000 Composition Roof 2,040 4 > $10,000 Deductible 90 2 Fiber-Cement Siding yes
1963 230,000 Composition Roof 1,690 2 $2500-$5000 Deductible 180 5 Vinyl siding No
1967 150,000 Composition Roof 1,310 3 $5000 to $10,000 Deductible 210 10 Stone Siding No
1969 345,000 Metal Roof 2,540 5 $2500-$5000 Deductible 530 8 Stucco siding yes
1999 420,000 Membrane Roof 2,730 4 $500 Deductible 510 5 Stone Siding yes
2010 200,000 Composition Roof 1,640 2 $5000 to $10,000 Deductible 210 5 Stucco siding No
1978 190,000 Membrane Roof 1,650 2 $2500-$5000 Deductible 300 8 Vinyl siding No
1963 215,000 Wood Shake Roof 1,780 3 $500 Deductible 360 8 Wood siding yes
1995 200,000 Asphalt Shingles Roof 1,810 3 $500- $1000 Deductible 150 3 Stone Siding No
1995 405,000 Metal Roof 2,660 4 $2500-$5000 Deductible 320 4 Stucco siding yes
2007 615,000 Composition Roof 4,500 5 $2500-$5000 Deductible 460 4 Fiber-Cement Siding No
2012 240,000 Membrane Roof 2,140 5 $500- $1000 Deductible 740 10 Stucco siding yes
1999 320,000 Wood Shake Roof 2,090 5 > $10,000 Deductible 460 10 Vinyl siding yes
2014 540,000 Composition Roof 3,630 5 $2500-$5000 Deductible 260 3 Brick siding yes
2012 275,000 Composition Roof 2,000 4 $1000-$2500 Deductible 670 12 Fiber-Cement Siding yes
1970 220,000 Membrane Roof 1,860 4 $500- $1000 Deductible 280 5 Brick siding No
2005 260,000 Wood Shake Roof 1,680 5 $2500-$5000 Deductible 510 10 Fiber-Cement Siding yes
1979 170,000 Membrane Roof 1,290 2 $5000 to $10,000 Deductible 210 7 Fiber-Cement Siding yes
1976 210,000 Tile Roof 1,990 5 $1000-$2500 Deductible 170 3 Vinyl siding yes
1996 140,000 Membrane Roof 1,030 2 $500- $1000 Deductible 30 1 Fiber-Cement Siding No
1970 180,000 Metal Roof 908 2 $500- $1000 Deductible 530 10 Wood siding yes

Latest Home Insurance Reviews

State Farm
We have had nothing but great experiences with this company. We needed an adjuster to come out to look at our roof after a storm and they were there immediately.
State Farm
Overall recommend them. The treat their customers well and they handle claims great. I would warn someone that they aren't likely the cheapest, but you do get better quality for the extra money.
I feel like what my home insurance company offers us as home owners is really great. The offer us a lot of things that the others wouldn't. It is very nice to know you are protected no matter what happens.
The same deductible as other insurance companies. I have not see any difference in this item. I think they should improve the way it is selected.
Farmer's Insurance
we have a 1500 deductable and im satisfied because i could not find one that would be and cheaper so id say i would rate it at a 5
Given my limited knowledge on the subject, I believe my current premium and deductible are on par with what I would receive from other similar companies and policies.
State Farm
I have State Farm and they are really you people. They help me anytime I need help. I would rate them at a 5.
Farmer's Insurance
Positive customer effort scores indicate your product or service is user-friendly and well designed
From what I hear from coworkers and friends, my premium is great for the coverage I have. I did try to switch once to lower my auto and home insurance and did not find anything cheaper.
I recently had to change insurance for home, auto and travel trailer. Progressive representatives were helpful, thorough and polite. It did take quite a bit longer than I had expected.
Liberty Mutual
The premium amount is never affect my family budget so i can easily pay that so it is very useful for me
The homeowners policy at geico was about 40% less then the policy i had in force with national general insurance. The coverage i received at geico was slightly higher for less money. happy with the policy.
State Farm
Customer service has always been pleasant and they are quick to accommodate my needs. They communicate with you on numerous platforms as well, ensuring your information is relayed.
i got a lower cost insurance when compared to the previous company for better deductibles. the cost was 30% lower.
I would definitely recommend them, at least in the area that I am living in. I can't recommend the company as a whole, but the insurance agent I deal with is amazing and I have no complaints.
State Farm
They were able to explain everything so that it was easy to understand and gave estimates based on other companies rates.
They don't have a physical office you can go speak to someone face to face. it is all online
State Farm
I like the fact that the company is located in my area. it is important that i am able to go in person.
I wish rates were cheaper and didn't increase each year, but I think that's common with most insurance companies so I guess it's just the way it goes. Based on my overall experience with Allstate, I would recommend them to people looking for good insurance at pretty reasonable prices.
I do not like having to wait to speak with a representative. I also do not like getting the runaround when speaking to one person, and having to explain the issue to someone else.
Farmer's Insurance
I find the website fairly easy to use most of the time. Sometimes it can be a bit tricky finding what I need but I eventually get there.
Safeco Insurance
They are professional. They are courteous. They are helpful. They have an easy to use website. I would recommend them.
American National Property And Casualty Company
I guess it is okay, but I don't really know that much about it. I don't really know that much about other insurance companies either.
State Farm
I am not sure that about other insurance companies but State Farm is loyal to me and I really don't have any complaints about my premium.
State Farm
I think it's extremely easy to navigate, which is all I care about.
Farmer's Insurance
I really can't think anything to be negative about
Liberty Mutual
I like that it is a small local agency and that they have personalized service. I like that I can speak with a local person who understands my needs.
so far I really haven't had anything to complain about other than the stupid jingle that they play on the radio occasionally but that's not important
State Farm
The premium is great, and the customer service also is. I can't complain, because I've never had another insurance company, but can bet this one is right up there with the rest of them.
State Farm
I don't like the high premium and I do not like the customer service we receive from our agent's customer service ladies. It seems they do not know their job well enough to be helping customers over the phone.
Safeco Insurance
I like the company because they follow through for me and supply me with excellent service and have very good communication.
I think Allstate is an honest company that offers good services. It has been a pleasure working with them through our difficult time.
State Farm
I am satisfied.I have no idea what my deductibles are actually. The policy comes out to better-than-free when combined with car insurance for the multi-line discount.

How To Make Your Sacramento, CA Home Insurance Cheaper

How Much Does Sacramento, CA Home Insurance Cost?