In Santa Rosa, State Farm offers the best home insurance, balancing affordability, customer service and coverage options. For those prioritizing price, Farmers has the lowest premium at $83 per month.
Cheap Home Insurance in Santa Rosa
Updated: June 12, 2025
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Key Takeaways
State Farm provides the best overall value for homeowners in Santa Rosa, while Farmers delivers the most affordable coverage at $1,001 annually.
On average, home insurance in Santa Rosa costs $105 per month, adding up to $1,263 per year.
To get the best and cheapest home insurance in Santa Rosa, assess your coverage needs, research costs and companies, and compare multiple quotes.
Best Cheap Home Insurance Companies in Santa Rosa
| State Farm | 85 | $95 | $1,138 |
| Farmers | 85 | $83 | $1,001 |
| Travelers | 80 | $100 | $1,196 |
| Allstate | 78 | $91 | $1,098 |
| Capital Insurance Group | 68 | $87 | $1,050 |
*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 Santa Rosa Home Insurance Cost?
Home insurance costs in Santa Rosa depend on factors like your home’s age, chosen coverage and personal profile. Rates range from $33 to $377 monthly. Explore rates tailored to your situation based on your home 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 | $33 | $390 |
How to Get the Best Cheap Home Insurance in Santa Rosa
Finding affordable home insurance in Santa Rosa can be challenging. We've created a step-by-step guide to help you discover the best cheap homeowners insurance tailored to 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 from online tools, independent agents and captive agents to make sure you get the lowest price.
Best Home Insurance in Santa Rosa: Bottom Line
The top three best and cheapest home insurance providers in Santa Rosa are State Farm, Farmers and Travelers. While these are our recommendations, do your own research and compare multiple quotes to ensure you're getting the best deal.
Santa Rosa Home Insurance: FAQ
Below, we answer common questions about home insurance in Santa Rosa.
Who offers the best home insurance in Santa Rosa?
We recommend State Farm as the best home insurance provider in Santa Rosa for its affordable pricing, excellent service and broad selection of add-ons. We also recommend getting quotes from Farmers, Travelers, Allstate and Capital Insurance Group.
Who has the cheapest home insurance in Santa Rosa?
Farmers offers the most affordable home insurance for the average homeowner, costing about $83 per month or $1,001 per year. Rates can vary widely depending on your coverage level and home characteristics.
What does home insurance cost in Santa Rosa?
Santa Rosa home insurance costs range from $390 to $4,526 annually, depending on the age of the home and coverage level.
How We Decided the Best Cheap Home Insurance Companies in Santa Rosa
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Santa Rosa. 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.