Compare average insurance rates in Sacramento for 2026
🏠
Home
$2185
/year
🚗
Auto
$2530
/year
🏥
Health
$583
/month
💰
Life
$24
/month
🏢
Renters
$23
/month
Home Insurance in Sacramento, CA
The average cost of homeowners insurance in Sacramento, California is $2,185 per year in 2026. This compares to the state average of $1,900 per year.
$2,185per year (avg in Sacramento)
$1380CA avg: $1,900$4025
Factors Affecting Home Insurance in Sacramento
🏠
Home Value Average: $750,000
🌪
Weather Risk high
🌊
Flood Zone 5% of properties
📈
Cost Index 1.15 (100 = national avg)
📌
Earthquake Zone: Sacramento is in an earthquake-risk area. Standard homeowners policies typically do not cover earthquake damage. Consider adding a separate earthquake insurance policy.
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$600,000
$300,000
$100,000
$1,638
Standard (HO-3)
$750,000
$375,000
$300,000
$2,185
Premium (HO-5)
$937,500
$562,500
$500,000
$2,949
Auto Insurance in Sacramento, CA
The average annual cost of auto insurance in Sacramento is $2,530, compared to the California state average of $2,200.
$2,530per year (avg in Sacramento)
$1610CA avg: $2,200$3680
📋
Minimum Coverage in California: 15/30/5
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$1,391
Full Coverage
100/300/100
$500 deductible
$500 deductible
$2,530
Premium
250/500/250
$250 deductible
$250 deductible
$3,289
Health Insurance in Sacramento, CA
The average monthly health insurance premium in Sacramento is $583 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$583per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$419
$7,000
$9,100
Healthy, low usage
Silver
$583
$4,500
$9,100
Moderate usage
Gold
$728
$1,650
$8,700
Regular medical needs
Platinum
$874
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Sacramento
💰 Life Insurance
$24
per month (20-year term, $500K)
Life insurance rates in California are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $24/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$23
per month (avg in Sacramento)
Renters insurance in Sacramento covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Sacramento
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Sacramento, CA is $2,185 per year for a standard HO-3 policy. Rates range from $1,380 to $4,025 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Sacramento is $2,530 per year for full coverage. Liability-only coverage averages around $1,138 per year. California requires minimum coverage of 15/30/5.
Insurance costs in Sacramento are above the national average (cost index: 1.15). Home insurance averages $2,185/yr and auto insurance $2,530/yr. Higher costs are driven by earthquake vulnerability.
Key factors include: local cost of living (index: 1.15), earthquake vulnerability, average home values ($750,000), your personal claims history, credit score, and at-fault insurance laws in California.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Sacramento residents can potentially save $943+ per year.
California requires minimum auto liability coverage of 15/30/5 (bodily injury per person / per accident / property damage in thousands). This is the legal minimum, but most experts recommend higher limits for adequate protection.
Compare Insurance Quotes in Sacramento
Get personalized quotes from top insurers in California. Compare rates in minutes.