Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Author profile picture

Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

How to find affordable homeowners 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. The average homeowners policy costs $77 per month in Sacramento, California. This is well below the national average monthly home insurance payment.

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.

Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings

Sacramento home insurance by 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. Then, see our guide listing the best home insurance companies based on customer satisfaction and other factors.

Company Average Annual Rate
Mercury $564
Allstate $624
State Farm $722
USAA $754
Nationwide $773

Sacramento homeowners insurance prices by coverage level

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 Level Average Annual Rate
$100K Dwelling $386
$200K Dwelling $1,008
$250K Dwelling $812
$400K Dwelling $1,240

Sacramento home 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 Code Average Annual Home Insurance Rate
95831 $875
95811 $882
95825 $883

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 Code Average Annual Home Insurance Rate
95758 $1,436
95864 $920
95815 $919

Sacramento homeowners insurance deductibles

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 Level Average Annual Homeowners Insurance Rate
$500 $913
$1,000 $812
$1,500 $766
$2,000 $691
$5,000 $577

Home and auto insurance bundling 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%.

Company Avg. Annual Auto Insurance Rate (With Bundle)
GEICO $1,304
Mercury $1,345
Farmers $1,772
CSAA $2,019
State Farm $2,034

Compare quotes on Sacramento, CA home insurance today!

Location pin icon
No junk mail. No spam calls. Free quotes.

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 editorial 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.