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How to find affordable home insurance in Sacramento

A critical consideration for every homeowner should be insurance coverage for your home. Along with your personal belongings, homeowners insurance covers your dwelling against many different perils, including fire, wind damage, vandalism, and theft. Incidents like this occur often. When paired with the high cost of repairing or rebuilding a home, investing in homeowners coverage can seem like a great move.

What you pay for homeowners insurance is dependent on a number of factors. These include your dwelling's value, the value of your personal belongings, and the cost of the materials used to build your home. The location of your home can also influence how much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Discover more info about the specifics of home insurance coverage.

If you want to find cheap home insurance in Sacramento, start with shopping around and comparing a variety of different policies. . Have a look at the summary below comparing average Sacramento homeowners insurance rates to ensure you start your search with as much background info as possible. One thing to note is that the yearly cost of homeowners coverage is determined based on your chosen coverage limits as well as a number of other rating factors.

Sacramento, California, home insurance — table of contents:
  1. Rates by insurance company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Rates by deductible level
  5. Policy bundling discounts

Home insurance in Sacramento by insurance company

Sacramento homeowners insurance rates will vary depending on which insurance company you choose. Mercury offers the most affordable home insurance in Sacramento, at just $564 per year. This compares favorably to the city’s average homeowners premium of $921.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Sacramento, California.

CompanyAverage Annual Rate
State Farm$722

Average homeowners insurance prices in Sacramento by coverage limit

How much you pay for home insurance coverage is greatly influenced by the level of coverage you choose. Homeowners in Sacramento who carry $200K in dwelling coverage pay an average of $1,008 per year, while those with coverage up to $400K pay around $1,240 per year.

Coverage LevelAverage Annual Rate
$100K Dwelling$386
$200K Dwelling$1,008
$250K Dwelling$812
$400K Dwelling$1,240

Sacramento homeowners insurance rates by ZIP code

Not every area of Sacramento has equal home insurance costs. Policies are often priced on local variables such as the number of claims filed in the immediate area, meaning the neighborhood in which you live could have a major impact on how much you pay to insure your home.

To find the cheapest home insurance rates in Sacramento, look no further than 95831. In the 95831 area, homeowners policies typically cost just $875 per year — a full $46 less than the Sacramento average. Find the best places to live in Sacramento for cheap home insurance by looking at the following table.

ZIP CodeAverage Annual Home Insurance Rate

Other areas of Sacramento, however, face homeowners rates that are higher than the city average . Crime rates, fire risk, and even your how close you are to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. The most expensive ZIP code for homeowners insurance in Sacramento is 95758, where the average annual rate is $1,436.

ZIP CodeAverage Annual Home Insurance Rate

Looking for insights on homeowners insurance in a specific city? Check out our analysis of populous California cities:

  1. Anaheim
  2. Bakersfield
  3. Chula Vista
  4. Fremont
  5. Fresno
  6. Irvine
  7. Long Beach
  8. Los Angeles
  9. Oakland
  10. Riverside
  11. San Bernardino
  12. San Diego
  13. San Francisco
  14. San Jose
  15. Santa Ana
  16. Stockton

Home insurance deductibles in Sacramento

One of the multiple decisions to be made when looking at homeowners insurance policies is the amount of your deductible. A deductible is how much your insurance requires you to pay out of pocket toward a claim. The deductible that you choose can impact your insurance rates directly.

When picking a deductible, bear in mind that the higher your deductible is, the lower your insurance rates will be. Therefore, if you need your home insurance rates to be lower, you’ll want to increase your deductible. It's worth calling out that your deductible should only be as high as you can reasonably pay if you actually suffer a loss.

The following chart reveals the typical premiums affiliated with standard homeowners deductibles.

Deductible LevelAverage Annual Home Insurance Rate

Money-saving tip: bundle home and auto insurance in Sacramento

If saving money is your main concern, you might purchase insurance for your home and auto through the same insurance company. Bundling homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. Bundling policies in Sacramento could, in fact, lead to average annual savings of 12%.

CompanyAvg. Annual Auto Insurance Rate (With Bundle)
State Farm$2,034

It's definitely worth considering bundling both your auto and home policies as a potential way of saving money.

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.