In Sacramento, State Farm offers the best home insurance, balancing affordability, customer service and coverage options. For those focused on price, State Farm also provides the lowest premium at $88 per month.
Cheap Home Insurance in Sacramento
Updated: June 12, 2025
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Key Takeaways
State Farm is the best overall and cheapest home insurance company in Sacramento, offering the most affordable coverage at around $1,061 per year.
Home insurance in Sacramento costs an average of $133 per month, or $1,601 per year.
To find the best and most affordable home insurance in Sacramento, assess your coverage needs, research providers and compare quotes.
Best Cheap Home Insurance Companies in Sacramento
| State Farm | 92 | $88 | $1,061 |
| Chubb | 85 | $134 | $1,608 |
| Travelers | 77 | $130 | $1,559 |
| Allstate | 76 | $113 | $1,350 |
| Nationwide | 73 | $146 | $1,747 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Sacramento Home Insurance Cost?
Home insurance costs in Sacramento vary based on personal profile, coverage level and home details. Rates range from $38 to $519 per month. Below, you can explore rates tailored to your home's age and desired coverage level.
Data filtered by:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $38 | $461 |
How to Get the Best Cheap Home Insurance in Sacramento
Finding affordable home insurance in Sacramento can be challenging. We've created a step-by-step guide to help you discover the best cheap homeowners insurance that fits your needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs in California for your city and profile can help you gauge potential savings. Understanding what discounts you may qualify for will help you find companies that offer them, leading to lower rates.
- 3
Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit, and user review sites like Trustpilot.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes on an apples-to-apples basis helps you identify the cheaper option for you. Pricing also varies depending on where you get your quote. We recommend getting quotes using online tools, independent agents and captive agents to make sure you get the lowest price.
Best Home Insurance in Sacramento: Bottom Line
The best and most affordable home insurance companies in Sacramento are State Farm, Chubb and Travelers. However, to ensure you're getting the best rate, compare multiple quotes yourself.
Sacramento Home Insurance: FAQ
We've answered common questions about home insurance in Sacramento to help you make informed decisions.
Who offers the best home insurance in Sacramento?
We recommend State Farm as the best home insurance provider in Sacramento for its low rates, strong customer service and diverse coverage options. You should also consider getting quotes from Chubb, Travelers, Allstate and Nationwide.
Who has the cheapest home insurance in Sacramento?
State Farm offers the most cost-effective home insurance for most homeowners in Sacramento, costing around $88 per month or $1,061 annually. Rates can differ based on individual profiles and coverage choices.
What does home insurance cost in Sacramento?
Home insurance costs in Sacramento range from $461 to $6,231 annually, with rates influenced by property age and coverage level.
How We Decided the Best Cheap Home Insurance Companies in Sacramento
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Sacramento. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
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.