Sacramento homeowners searching for reliable coverage will find Chubb at the top of our rankings with an MoneyGeek score of 4.7 out of 5, offering dependable local agent support at $107 monthly. USAA earned the highest score at 4.9 for military families and veterans but didn't earn the No. 1 spot in our ranking because of its eligibility requirements. Our analysis of the best home insurance also includes USAA, State Farm, Farmers and Nationwide in the top five.
Best Cheap Home Insurance in Sacramento, California
Updated: February 25, 2026
Advertising & Editorial Disclosure
Compare the Best Home Insurance Companies in Sacramento
| Chubb | 4.65 | $107 |
| USAA | 4.89 | $99 |
| State Farm | 4.61 | $71 |
| Farmers | 4.3 | $124 |
| Nationwide | 4.27 | $96 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
Our Top 3 Recommendations for Sacramento Homeowners Insurance
Chubb
Best for Sacramento Homeowners
MoneyGeek Rating
4.7/ 5
4.8/5Affordability
4.5/5Customer Experience
4.6/5Coverage
J.D. Power Customer Satisfaction Score
677/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Monthly Premium
$107Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible.
USAA
MoneyGeek Rating
4.9/ 5
4.8/5Affordability
5/5Customer Experience
5/5Coverage
J.D. Power Customer Satisfaction Score
737/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Monthly Premium
$99Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible.
State Farm
MoneyGeek Rating
4.6/ 5
5/5Affordability
4.1/5Customer Experience
4.2/5Coverage
J.D. Power Customer Satisfaction Score
657/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Monthly Premium
$71Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible.
How Much Does Sacramento Home Insurance Cost?
Sacramento homeowners pay $113 monthly for home insurance with $250,000 in dwelling coverage, $125,000 in personal property protection and $200,000 in liability limits, running slightly below California's average of $129 per month. Your premium varies based on your home's age, construction materials, wildfire zone proximity and deductible choice. These factors can impact your final rate.
Sacramento's location near dry vegetation and seasonal winds creates wildfire risk that drives up insurance premiums through higher property damage potential. The city's proximity to rivers also increases flooding concerns, leading insurers to charge more due to the elevated likelihood of water damage claims.
| $100K Dwelling / $50K Personal Property / $100K Liability | $60 | $723 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $113 | $1,361 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $203 | $2,436 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $304 | $3,648 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $406 | $4,875 |
Who Has the Cheapest Home Insurance in Sacramento?
State Farm offers the lowest home insurance rates in Sacramento at $71 monthly, saving homeowners 37% compared to the city's $113 average. Progressive comes in second at $83 per month, providing a 27% discount from typical Sacramento premiums while keeping strong coverage and local agent support.
| State Farm | $71 | -37% |
| Progressive | $83 | -27% |
| Capital Insurance Group | $91 | -19% |
| Nationwide | $96 | -15% |
| USAA | $99 | -13% |
COMPARE COVERAGE, NOT JUST COST
Sacramento homeowners need adequate protection, not just cheap rates. Look at coverage limits, deductibles and satisfaction ratings along with premiums so you get the best value. Find out about top providers in our best homeowners insurance companies in California review.
How to Get the Best Cheap Home Insurance in Sacramento
Sacramento homeowners need to balance affordability with coverage that protects against local risks when shopping for insurance.
Compare quotes from multiple insurers
Request quotes from at least three companies since rates vary, with average premiums ranging from $72 to $126 monthly among top-rated Sacramento insurers.
Bundle home and auto policies
Most Sacramento insurers give 10% to 25% discounts when you combine policies, with companies like Allstate and State Farm providing multi-policy savings.
Upgrade your home’s safety features
Installing monitored security systems, smoke detectors, fire sprinklers and storm shutters can qualify you for discounts of 5% to 20% depending on the improvements.
Best Home Insurance in Sacramento: Bottom Line
Sacramento's home insurance costs average $113 monthly, and rates range from $71 to $124 among leading insurers depending on coverage needs. Chubb combines affordability and service best at $107 monthly, while it offers the cheapest home insurance rates at $71.
Sacramento Home Insurance: FAQ
Sacramento homeowners frequently ask about what coverage they need and how to lower their insurance costs.
Does home insurance cover wind damage in Sacramento?
Yes, standard home insurance policies cover wind damage. Your policy covers repairs to your roof, siding, windows and other structures damaged by wind, minus your deductible.
What doesn't home insurance cover?
Home insurance doesn't cover earthquakes, flood damage, normal wear and tear and damage from lack of maintenance. Sacramento homeowners near American River near Sacramento or in flood-prone areas should purchase separate flood insurance through the National Flood Insurance Program.
Is home insurance required in Sacramento?
California doesn't legally require home insurance, but mortgage lenders require coverage until you've paid off your loan. Even homeowners without mortgages should keep insurance to protect against financial losses from wildfires, flooding and other risks common in the Sacramento area.
What discounts are available for Sacramento homeowners?
Available discounts for Sacramento homeowners include bundling home and auto policies for 10% to 25% off, installing security systems (5% to 15% savings), upgrading to fire-resistant roofing materials (up to 20% discount), and maintaining three or more years without claims. These savings can reduce your annual premiums when you qualify for multiple discounts.
Our Methodology: Determining the Best Cheap Home Insurance Companies in Sacramento
We analyzed premium data from Quadrant Information Services for 10 major insurers serving California, then evaluated their coverage options and customer experience to identify companies with the best combination of affordability, financial strength and service for Sacramento homeowners.
Our base profile used a 2,500-square-foot home built in 2000 with $250,000 dwelling coverage, $125,000 personal property coverage and $200,000 liability coverage. All policies included a $1,000 deductible to make sure we compared rates accurately. We also analyzed rates for newly constructed homes, increased dwelling coverage limits and higher deductibles of $2,500 or $5,000 to understand how insurers price coverage across different risk profiles.
We combined affordability scores (weighted 55%), customer satisfaction data from J.D. Power surveys and customer reviews (weighted 30%) and coverage add-on availability (weighted 15%) to calculate each company's final MoneyGeek score.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.