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Angels Camp Auto Insurance 2025

Historic Gold Rush town with rates up to $1170 below Sacramento
Sierra Foothills Elevation 1,379 ft Population Pop. 3,900
$1,730
Avg. Full Coverage
32%
Below State Avg
28min
Avg. Commute
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$1,730 Avg. Annual Full Coverage
$144 Monthly Premium (Clean Record)
32% Below CA Average
$72 Monthly Liability Only
28 min Average Commute Time
Excellent News for Angels Camp Residents!
Angels Camp's auto insurance rates are 32% below CA average of $2,532/year. With comprehensive coverage averaging just $1,730 annually, you're saving $802/year compared to the typical CA driver.

Angels Camp Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $802/year with smart coverage.

Weather & Environmental Risk Factors

Moderate-High Risk Level — Very High (WUI)

Foothill snow, ice, heat. Annual rainfall 35 inches.

Annual Weather Data

Thunderstorm Days 8 per year
Annual Rainfall 35 inches
Annual Snowfall 12 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Angels Camp
  • Vallecito
  • Murphys

Peak Risk Months

Flood Risk:

February March

Wildfire Risk:

July August

Common Weather-Related Claims

Ice skid on CA-4

Coverage: Collision

Rockfall on CA-49

Coverage: Collision

Wildfire smoke damage

Coverage: Comprehensive

Weather Driving Safety Advice

Winter Preparation

  • Snow tires Dec–Mar

Wildfire Season

  • Check chain controls

General Safety

  • Avoid night driving in fog
Data Sources: CAL FIRE, Caltrans 2025

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Accident Risk Analysis

Moderate-High Risk Level — At-fault accident rate...

CA-49 curves, tourists. At-fault rate 11.8%.

Key Statistics

At-Fault Rate (Angels Camp) 11.8%
National Average 12%
Commuter-Related Crashes 35%
Tourist-Related Crashes 38%

Premium Impact

Monthly Liability (Clean Record) $72
Monthly Full Coverage (Clean) $144
Annual Full Coverage $1,730
Savings vs. CA Average 32% lower

Common Accident Types

Tourist slowdown on CA-49

Frog Jump parking chaos

Winery shuttle merge

High-Risk Intersections

Drive with Extra Caution at These Locations:

CA-49 & CA-4

Main St & Murphys Grade Rd

Angels Rd & Vallecito Rd

Peak Accident Months

May (Frog Jump) October (harvest)
Data Sources: CHP SWITRS 2023–2025

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Theft & Property Crime Risk

Low Risk Level — Motor vehicle theft rate...

Low. Theft 1.2 per 1,000.

Crime Statistics

Motor Vehicle Theft Rate 1.2 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 7.2 per 1,000
Burglary Rate 180 per 100,000
Violent Crime Rate 1.5 per 1,000
Theft Increase (2023-2025) +5%

Most Stolen Vehicles in Angels Camp

  1. Ford F-150
  2. Chevy Silverado
  3. Toyota Tacoma

High Theft Zones

Exercise Extra Caution in These Areas:

Frog Jump grounds

Downtown parking

Recommended Anti-Theft Measures

Garage parking

Lock valuables

Data Sources: Calaveras Sheriff 2024

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Seasonal Driving Risks in Angels Camp

❄️

Winter

Ice, snow

🌸

Spring

Rockfall

☀️

Summer

Smoke, tourists

🍂

Fall

Deer

🍂

Source

CAL FIRE

Source: CAL FIRE

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Claims Trends & Payouts in Angels Camp

Claim Distribution

Comprehensive48%
Collision45%
Liability7%

Average Payouts

Comprehensive$5,800
Collision$6,600

Notable Trends

Smoke Damage Claims +250% (2023–2025)
Data Sources: III, CA DOI 2024

Local Driving Laws & Regulations in CA

Key California Laws

Hands-Free LawYes
Primary Seatbelt LawYes
Teen Driver RestrictionsProvisional until 18
DUI BAC Limit0.08%
Move Over LawYes

Local Enforcement

Red Light CamerasNo
Speed CamerasNo
Source: CA DMV

Angels Camp Location & Geography

Gold Rush historic town. Frog Jump, wineries, and CA-49 corridor.

City
Angels Camp
State
CA (CA)
ZIP Codes
95222
County
Calaveras County
Region
Sierra Foothills
Population
3,900
Growth Rate (2020-2025)
1.8%
Land Area
3.6 sq miles
Population Density
1,083 per sq mi
Elevation
1,379 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Stockton-Lodi, CA MSA

Major Roadways

CA-49

CA-4

Angels Rd

Murphys Grade Rd

Historic Main St

Insurance Cost Comparison

Coverage Type Angels Camp Average California Average National Average Your Savings
Full Coverage $0/year $2,532/year $2,030/year 32% lower

Demographics & Driving Behavior

Median age 48. 12% drivers 16–24. DUI 1.6 per 1,000.

Age Demographics

Median Age (Angels Camp) 48
U.S. Median Age 38.8
Drivers Aged 16-24 12%

DUI & Violations

DUI Rate (Angels Camp) 1.6 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +85%
Speeding (15+ mph) +20%
At-Fault Accident +36%

Frequently Asked Questions

Credit in Angels Camp?
No. CA bans credit.
Comprehensive needed?
Yes — critical for wildfire and snow.
Cameras?
No.
Cheapest?
GEICO, Progressive, Allstate.

Expert Recommendations for Angels Camp Drivers

Coverage & Savings Tips

  • Get your Angels Camp quote now.
  • Bundle for 35% savings.
  • Add comprehensive for smoke and rockfall.
  • Snow tire discount (Dec–Mar).
  • Clean record = max savings.
  • Avoid small claims.
  • Telematics for 50% off.

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Overall Risk Assessment

Moderate overall; 32% below CA average due to low crime, mature drivers, and short commutes. Elevated by wildfire, tourists, and foothill roads. Annual full coverage $1,730.

Last Updated: 2025-11-07