🏠 Home insurance cost in Sacramento, CA (2027)
Estimated average: $2,360 per year — +3% vs. the U.S. average of $2,300.
With about 526,384 residents, Sacramento is a major metro and the #6 largest city in California. Home insurance rates here are estimated at $2,360 per year, above the California average of $2,185 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Sacramento with other California cities.
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Sacramento home insurance estimator
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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.