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: May 29, 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 a month for home insurance with $250,000 in dwelling coverage, $125,000 in personal property coverage and $200,000 in liability limits, which is below California's average of $129 a month. Your premium varies based on your home's age, construction materials, wildfire zone proximity and deductible.
Sacramento's dry vegetation and seasonal winds create wildfire exposure that pushes premiums above state averages for affected zones. Proximity to the Sacramento and American rivers adds flood risk, which insurers price into premiums through higher expected 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 has the lowest home insurance rates in Sacramento at $71 a month, which is 37% below the city average of $113. Progressive is second at $83 a month, 27% below the city average, with local agent access and broad coverage options.
| 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 insurersRequest 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 policiesMost 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 featuresInstalling 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?
Sacramento homeowners can cut premiums by bundling home and auto (10% to 25% off), installing a security system (5% to 15% off), upgrading to fire-resistant roofing materials (up to 20% off) and going three or more years without a claim. Qualifying for multiple discounts compounds the savings.
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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.