Sacramento, CA Renters Insurance

Renters insurance in Sacramento

It's very important to maintain an active renters insurance policy for those renting an apartment or house. The coverage protects in a variety of circumstancees, including wind, theft, fire, or vandalism. Since these occurrences are fairly common, the affordable price of renters insurance, and the relatively high cost of replacing your property, a renters insurance policy is a solid investment.

Renters insurance costs are dictated by many factors, including your building's age, the material from which it’s made, its geographic location, and the pricing guidelines of your insurance company. In areas prone to hail, fire, lightning, or damaging wind, renters insurance could be more expensive to account for the additional risk.

The average annual renters insurance rate in Sacramento is $216.

Getting affordable renters insurance in Sacramento should start with a thorough review of the top renters insurance companies. Check out our breakdown of Sacramento renters insurance premiums to commence your purchase process with as much background info as possible. Note that rates will vary based on coverage limits and other factors.

Sacramento renters insurance:

  1. Rates by company
  2. Rates by coverage level
  3. Renters and auto insurance discounts

Renters insurance premiums in Sacramento — popular companies

Renters insurance premiums in Sacramento depend on the insurance company providing the quote. For instance, USAA offers the most affordable renters insurance in Sacramento, at just $117 per year. That's less expensive than the city's average cost of $216, providing a $99 discount on the city's normal rates.

Begin your search for a renters insurance policy by exploring the cheapest insurers in Sacramento.

CompanyAverage Annual Rate in Sacramento
Fire Insurance Exchange$137
State Farm$142
California Automobile$155

Sacramento renters insurance pricing by coverage tier

Your renters insurance rates will vary depending on your coverage levels. The most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In Sacramento, the annual cost difference between these tiers is about $90. If you can afford to insure your personal property at this additional expense, it's worth considering.

Coverage LevelAverage Annual Rate in Sacramento
$25K Property$171
$50K Property$261

Tip: bundle your renters and car insurance

If you’re trying to save, purchase your renters and auto policies from a single company. Bundling renters and car insurance in Sacramento can lead to substantial savings. In fact, bundling policies in Sacramento leads to average auto insurance savings of $69. The car insurer with the cheapest bundled rate is GEICO, followed by Mercury and Farmers.

Annual Bundle SavingsBundle Savings %

Need renters insurance? Talk to an expert today.

Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET,, and Kin Insurance.