🏠 Home insurance cost in Sacramento, CA (2026)
Estimated average: $2,360 per year — +3% vs. the U.S. average of $2,300.
$2,360
Est. home insurance in Sacramento
per year
$2,185
California average
$2,300
U.S. average
526,384
Population
Estimate your home insurance in Sacramento
Sacramento home insurance estimator
Estimated$1,487/year
Starts from the Sacramento estimate. Get quotes to confirm your price.
Sacramento home insurance FAQ
How much is home insurance in Sacramento, CA?
The estimated average is $2,360 per year — above the state average (+8% vs. the California average of $2,185, and +3% vs. the U.S. average).
Is home insurance more expensive in Sacramento than elsewhere in California?
Sacramento has about 526,384 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Sacramento?
Compare at least three quotes from insurers active in Sacramento, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.