How Much Does Home Insurance Cost in Sacramento, CA?
Average annual homeowners insurance premium. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.
Typical Cost Range
$1.220 – $4.270
+22% vs national average
$1.220$2.745$4.270
LowNational avg: $2.250High
Sacramento vs State & National Average
| Category | Sacramento | California Avg | National Avg |
|---|---|---|---|
| Average cost | $2.745 | $2.720 | $2.250 |
| Low estimate | $1.220 | $2.040 | $1.688 |
| High estimate | $4.270 | $3.536 | $2.925 |
Detailed Cost Breakdown
| Item | Low | High | |
|---|---|---|---|
| Low estimate | $1.000 | $1.200 | |
| Average | $2.025 | $2.475 | |
| High estimate | $2.800 | $3.500 |
Home Insurance in Nearby Cities
Frequently Asked Questions
How much does home insurance cost in Sacramento?
In Sacramento, CA, home insurance typically costs between $1.220 and $4.270. The average is $2.745, which is 22% above the national average.
Is Sacramento expensive for home insurance?
Sacramento has a cost-of-living index of 122 (100 = national average). Home Insurance costs are 22% higher than the national average of $2.250.
What factors affect home insurance costs in Sacramento?
Key factors include local labor costs, cost of materials, market competition, California state regulations, and Sacramento's overall cost of living (index: 122/100). Prices can also vary by season and specific requirements.