Cheapest home insurance carriers in Sacramento
Estimated annual premiums for a standard policy (~$300k dwelling, $1,000 deductible), ranked cheapest first — Sacramento averages about $1,174/yr (median of the carriers below: $1,120/yr). Enter your ZIP for a ranking tuned to your home.
| # | Carrier | Est. annual | vs median |
|---|---|---|---|
| 1 | State Farm | $911/yr | Save $209 |
| 2 | USAA | $943/yr | Save $177 |
| 3 | Amica Mutual | $979/yr | Save $141 |
| 4 | Mercury Insurance | $1,057/yr | Save $63 |
| 5 | CSAA / AAA | $1,080/yr | Save $40 |
| 6 | Nationwide | $1,161/yr | +$41 |
| 7 | The Hartford | $1,196/yr | +$76 |
| 8 | Allstate | $1,203/yr | +$83 |
| 9 | Safeco | $1,207/yr | +$87 |
| 10 | Kemper | $1,230/yr | +$110 |
Why home insurance costs what it does in Sacramento
Sacramento-area home insurance is priced mainly around wildfire and flood risk. Sacramento faces both foothill wildfire risk and Central Valley flood exposure; earthquake coverage is separate from a standard policy.
The metro average hides your ZIP. A single carrier can price neighboring ZIPs very differently — coastal, wildfire, or older-home areas load high while lower-risk pockets pay less. This page is a Sacramento-level estimate; compare carriers for your exact ZIP to see where you land, and see why your rate can jump even when your carrier’s filing looks flat.
See all California home rates & carriers → · Who’s raising & cutting California home rates →
Directional estimates from public rate filings and NAIC data — not a quote. Metro figures apply a modeled Sacramento offset to the California average; your actual rate depends on dwelling amount, deductible, roof age, claims history, and exact ZIP.