In Sacramento, California, Allstate is both the overall best and cheapest choice for home insurance. If customer service is your priority, however, Chubb is best. These companies cater to different needs, making it essential to choose a provider based on important factors like cost, service quality and coverage options.
Best and Cheapest Home Insurance in Sacramento, CA (2025)
Updated: January 9, 2025
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Best HomeInsuranceSacramento, CATable of Contents
Best Overall - Allstate
Best for Service - Chubb
Best Cheap - Allstate
Cheapest Overall - Allstate
Cheapest for High-Value Homes - Allstate
Cheapest for New Homes - Nationwide
Why Trust MoneyGeek? We used data from California's Department of Insurance and Quadrant Information Services to find the best homeowners insurance in Sacramento, ensuring our suggestions are based on data and standards.
Home insurance premiums in Sacramento represent the most competitive prices as of September 2024.
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Quotes Analyzed
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Companies Compared
Overview: Best Home Insurance Companies in Sacramento, CA
MoneyGeek found that Allstate is the best option for home insurance in Sacramento, California, with a MoneyGeek score of 83 out of 100 for $100,000 dwelling coverage. The scores for home insurance companies in Sacramento range from 34 to 92. These figures reflect MoneyGeek's scoring system, where insurers may receive different scores based on factors like credit history and the age of your home.
Data filtered by:Results filtered by:
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Category:Best Overall
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Coverages:1 - $100K Dwelling
| Allstate | 83 | $371 |
| Chubb | 75 | $553 |
| Travelers | 73 | $503 |
| State Farm | 64 | $590 |
| Farmers | 55 | $600 |
| Nationwide | 54 | $655 |
| Capital Insurance Group | 34 | $648 |
Overall Best Home Insurance in Sacramento, CA
MoneyGeek found that Allstate is the best option in Sacramento, California for 100K dwelling coverage. The two best overall home insurance companies in Sacramento for $100K dwelling coverage are:
- Allstate: MoneyGeek score of 83 out of 100 ($371 per year)
- Chubb: MoneyGeek score of 75 out of 100 ($553 per year)
Allstate stands out as the best home insurance provider because it offers a balance of affordability and coverage with a significant affordability score contributing to its high MoneyGeek score.
In Sacramento, California, there are various companies offering different cost and service experiences. While cost is important, you should also consider customer service and coverage options, which are vital especially when making claims.
Best OverallAllstate
MoneyGeek Score:
83/ of 100
Overview
Allstate scores high in affordability and customer satisfaction, making it a top choice. It offers rare coverages like cyber event/id theft and home business property. Discounts such as responsible payment and continuously insured help save money. Responsible payment rewards good payment history.
Allstate provides useful coverages for homeowners. Cyber event/id theft covers costs if your identity is stolen. Home business property increases limits for business items at home. Back-up of sewer or drain covers water damage from drain issues. These coverages add value to your policy.
Best Home Insurance for Customer Service in Sacramento, CA
MoneyGeek found that Chubb provides the best customer service for home insurance in Sacramento, California, specifically for $100K dwelling coverage. Here are the top two providers for this coverage:
- Chubb: MoneyGeek score of 96 out of 100 ($553 per year)
- Nationwide: MoneyGeek score of 81 out of 100 ($655 per year)
Chubb emerges as the best option because of its high customer satisfaction scores, offering helpful service to homeowners. Customers choosing Chubb receive strong service, addressing their needs effectively. In home insurance, excellent service means providing quick and reliable assistance when you need it most.
Best for Service QualityChubb
MoneyGeek Score:
96/ of 100
Overview
Chubb is the best for service quality, thanks to its high customer satisfaction and coverage scores. It offers comprehensive home insurance with guaranteed replacement cost and building ordinance or law coverages. You can save with discounts like new home and home renovation.
For new homes, a discount applies if your home is 10 years old or less. Chubb's coverages like cash settlement and risk consulting are useful. Cash settlement lets you choose cash instead of rebuilding. Risk consulting helps keep your home safe. Chubb's high scores make it a great choice for homeowners.
Best Cheap Home Insurance in Sacramento, CA
MoneyGeek found that Allstate is the best cheap home insurance option in Sacramento, California, for 100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
- Allstate: MoneyGeek score of 91 out of 100 ($371 per year)
- Travelers: MoneyGeek score of 72 out of 100 ($503 per year)
When it comes to the average cost of homeowners insurance in California, Allstate stands out due to its high affordability score and reasonable customer satisfaction. However, cheap home insurance often means lower coverage, which might not be enough if an accident occurs. In cases where saving on premiums is essential, considering the cheapest homeowner insurance companies may be beneficial. "Best cheap" differs from the cheapest by offering value through a balance of cost and some level of coverage, not just the lowest price.
Best CheapAllstate
MoneyGeek Score:
91/ of 100
Overview
Allstate scores high in affordability and satisfaction, making it a top choice. It offers cyber event / ID theft and back-up of sewer or drain coverages. You can save with discounts like responsible payment, which rewards timely payments. Allstate is a great option with its high MoneyGeek scores.
Allstate provides useful coverages like cyber event / ID theft, which helps if your identity is stolen. Back-up of sewer or drain covers water damage from broken drains. Home business property increases limits for business items at home. These coverages help protect your home and belongings.
Estimate Your Sacramento Home Insurance Costs Online
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Rates updated:
Jun 11, 2025
Many things, like location, affect homeowners insurance in Sacramento. Comparing insurance rates is the best way to save, but it can take 15 minutes per company. To compare three or more, you might spend over an hour. MoneyGeek's home insurance calculator helps you save quickly. Enter details like age, dwelling coverage, credit score, and deductible for a rate estimate.
Cheapest Home Insurance in Sacramento, CA
MoneyGeek found that Allstate is the best option in Sacramento, California, for affordable home insurance with a high score. The key factor affecting home insurance premiums is the dwelling coverage you choose.
- For 100K Dwelling Coverage: Allstate: $371 per year
- For 250K Dwelling Coverage: Allstate: $735 per year
- For 500K Dwelling Coverage: Allstate: $1,344 per year
Allstate stands out as the cheapest homeowner's insurance in Sacramento due to its lower cost and a high score of 91, making it the preferred choice for $100K and $500K coverage. Travelers follows for $250K coverage, mixing cost and score effectively. Opting for the cheapest homeowners insurance in California can help manage finances better.
Data filtered by:Results filtered by:
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Coverages:$100K Dwelling
| Allstate | $371 |
| Travelers | $503 |
| Chubb | $553 |
| State Farm | $590 |
| Farmers | $600 |
| Capital Insurance Group | $648 |
| Nationwide | $655 |
Cheapest Home Insurance for High-Value Homes in Sacramento, CA
Allstate is the cheapest home insurance provider for high-value homes in Sacramento, California. High dwelling coverage is necessary for homes with expensive replacement costs, leading to increased home insurance costs.
- Cheapest for $750K Dwelling Coverage: Allstate: $1,980 per year
- Cheapest for $1M Dwelling Coverage: Allstate: $2,630 per year
In Sacramento, Allstate offers the most affordable option for $750K dwelling coverage. According to MoneyGeek, Allstate is also among the best options, providing a good balance of cost and quality.
Data filtered by:Results filtered by:
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Coverages:1 - 750K dwelling
| Allstate | $1,980 |
| Travelers | $2,367 |
| Capital Insurance Group | $2,715 |
| State Farm | $2,876 |
| Chubb | $3,060 |
| Nationwide | $3,306 |
| Farmers | $6,736 |
Cheapest Home Insurance for New Homes in Sacramento, CA
Nationwide is the cheapest for new homes in Sacramento, California, offering the most affordable homeowner's insurance coverage.
- Cheapest for $100K Dwelling Coverage: Nationwide: $273 per year
- Cheapest for $250K Dwelling Coverage: Nationwide: $461 per year
- Cheapest for $500K Dwelling Coverage: Travelers: $785 per year
Nationwide stands out as the cheapest homeowner's insurance in Sacramento due to its low cost. Though it offers the most affordable rates, it may not be the best option according to other quality measures. Remember, it's important to also be adequately covered.
Data filtered by:Results filtered by:
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Coverages:1 - $100K Dwelling
| Nationwide | $273 |
| Allstate | $278 |
| Farmers | $283 |
| Travelers | $284 |
| State Farm | $294 |
| Capital Insurance Group | $422 |
| Chubb | $455 |
How to Find the Best Home Insurance for You in Sacramento, CA
The best affordable homeowners insurance providers offer a balance of quality and cost, delivering excellent customer service and comprehensive coverage with reasonable premiums.
In Sacramento, the best cheap homeowners insurance depends on your personal needs. Consider factors beyond premiums, like coverage options and customer reviews. Follow these steps to get the best cheap home insurance:
- 1
Evaluate Your Insurance Needs
Consider what coverage you require in Sacramento, California. To determine how much home insurance coverage you need, think about rebuilding costs, personal property value, and liability needs.
- 2
Compare Different Providers
Look into insurance companies operating in Sacramento. Find those with good financial stability, positive customer feedback, and a history of reliable service.
- 3
Compare Coverage and Costs
Once you know the coverage you need, compare home insurance quotes. For $100K dwelling coverage in Sacramento, California, premiums range from $371 to $648 annually.
- 4
Ask About Discounts
Inquire with each provider about potential discounts, such as those for bundling policies, installing safety measures, or maintaining a claims-free record.
- 5
Increase Your Deductible
Opting for a higher home insurance deductible can reduce your premium, but ensure it's an amount you can handle if a claim arises.
- 6
Improve Home Security
Adding security systems and solid locks can lower your home's risk profile and potentially decrease insurance costs.
- 7
Maintain Good Credit
Keep a strong credit score as it can influence your insurance rates in Sacramento, California. Pay bills on time and manage debt wisely.
- 8
Bundle Policies
Think about bundling your homeowners insurance with other policies like auto insurance. This can offer considerable discounts and savings.
FAQ: Best Cheap Home Insurance in Sacramento, CA
The best cheap home insurance provider for you in Sacramento depends on how much coverage you need and how much you can spend. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Sacramento, California.
How much is home insurance in Sacramento, California, on average?
The average cost of home insurance in Sacramento, California, is $442.
What is the cheapest home insurance company in Sacramento, California?
The cheapest home insurance company in Sacramento, California, is Allstate with an annual premium of $371.
What is the best home insurance company in Sacramento, California?
The best home insurance in California for Sacramento residents is provided by Allstate, with a MoneyGeek score of 83 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.