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Auburn Auto Insurance 2025

Historic Gold Rush town with rates up to $1205 below Sacramento
Sierra Nevada Foothills Elevation 1,237 ft Population Pop. 13,658
$1,695
Avg. Full Coverage
33%
Below State Avg
24min
Avg. Commute
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$1,695 Avg. Annual Full Coverage
$141 Monthly Premium (Clean Record)
33% Below CA Average
$82 Monthly Liability Only
24 min Average Commute Time
Excellent News for Auburn Residents!
Auburn's auto insurance rates are 33% below CA average of $2,532/year. With comprehensive coverage averaging just $1,695 annually, you're saving $837/year compared to the typical CA driver.

Auburn Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $837/year with smart coverage.

Weather & Environmental Risk Factors

High Risk Level — High (Sierra foothills prone to annual fires)

Foothills location brings hot, dry summers (wildfire smoke reduces visibility) and wet winters (rain/snow on hills). Annual rainfall 36 inches; occasional Sierra snow events. Wildfire evacuation risks elevate comprehensive claims. Smoke damage increasingly common.

Annual Weather Data

Thunderstorm Days 12 per year
Annual Rainfall 36 inches
Annual Snowfall 8 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Auburn Lake Trails
  • Christian Valley
  • Ophir

Peak Risk Months

Flood Risk:

January February March

Wildfire Risk:

July August September October

Common Weather-Related Claims

Wildfire smoke damage to paint/interior (comprehensive)

Coverage: Comprehensive

Hydroplaning on wet I-80

Coverage: Collision

Hail or falling branches from winter storms

Coverage: Comprehensive

Evacuation-related vehicle wear

Coverage: Collision

Ash fallout on paint and HVAC

Coverage: Comprehensive

Flooded undercarriage in low areas

Coverage: Comprehensive

Weather Driving Safety Advice

Winter Preparation

  • Equip snow tires for winter (Nov–Mar)
  • Monitor Caltrans for chain controls on I-80
  • Avoid driving in heavy smoke; use recirculation

Wildfire Season

  • Increase following distance in rain ≥4 seconds
  • Prepare emergency kit for wildfire evacuations
  • Check tire pressure in extreme heat

General Safety

  • Use headlights in smoke/fog
Data Sources: NOAA NWS Sacramento, CAL FIRE 2025, AccuWeather, Auburn OEM

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Accident Risk Analysis

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

Auburn's accident rate is moderate, influenced by commuter traffic on I-80 and CA-49. Rural foothills roads increase run-off-road incidents. At-fault accident rate ~13% (vs. 12% national), with higher involvement from out-of-town drivers during peak hours and tourism spikes.

Key Statistics

At-Fault Rate (Auburn) 13%
National Average 12%
Commuter-Related Crashes 35%
Tourist-Related Crashes 22%

Premium Impact

Monthly Liability (Clean Record) $82
Monthly Full Coverage (Clean) $141
Annual Full Coverage $1,695
Savings vs. CA Average 33% lower

Common Accident Types

Rear-end collisions on I-80 (rush hours 6–9 AM & 4–7 PM)

Run-off-road on winding CA-49 curves

Intersection crashes at signalized lights (e.g., Grass Valley Hwy & I-80 ramps)

Deer collisions on rural roads (dusk/dawn)

Distracted driving near trailheads

High-Risk Intersections

Drive with Extra Caution at These Locations:

I-80 Exit 119B (CA-49/Auburn)

Grass Valley Hwy & Richardson Dr

Auburn-Folsom Rd & Bowman Rd

CA-193 & Lincoln Way

Bell Rd & Luther Rd

Peak Accident Months

July August December
Data Sources: CHP SWITRS 2023–2025, Insurify September 2025 Report, Caltrans PeMS

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Theft & Property Crime Risk

Moderate Risk Level — Motor vehicle theft rate...

Property crime rate 10.1 per 1,000 residents (slightly above national 9.3). Motor vehicle theft 1.8 per 1,000 (vs. 1.7 national), with hotspots in commercial lots. Lower than urban CA averages but rising with population influx and tourism.

Crime Statistics

Motor Vehicle Theft Rate 1.8 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 10.1 per 1,000
Burglary Rate 320 per 100,000
Violent Crime Rate 3.8 per 1,000
Theft Increase (2023-2025) +12%

Most Stolen Vehicles in Auburn

  1. Honda Civic
  2. Toyota Camry
  3. Ford F-150
  4. Chevy Silverado

High Theft Zones

Exercise Extra Caution in These Areas:

I-80 corridor shopping centers (e.g., Auburn Plaza, Raley's)

Downtown parking garages and street parking

Residential areas near CA-49 trailheads

Hotel parking lots (e.g., Holiday Inn, Comfort Inn)

Foresthill Rd trail access points

Recommended Anti-Theft Measures

Vehicle immobilizer or alarm system

Wheel lock for overnight parking

GPS tracking device (e.g., LoJack, Apple AirTag)

Secure parking in garages or well-lit areas

Remove valuables from sight

Steering wheel lock for high-risk zones

Data Sources: Auburn PD Crime Statistics 2024, FBI UCR 2023, NeighborhoodScout 2025, NICB Hot Spots Report

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Seasonal Driving Risks in Auburn

❄️

Winter

Snow on I-80, black ice, chain controls

🌸

Spring

Flooding near creeks, rockslides

☀️

Summer

Wildfire smoke, extreme heat, tourism

🍂

Fall

Falling leaves, early darkness, deer activity

🍂

Source

CAL FIRE, NWS Sacramento

Source: CAL FIRE, NWS Sacramento

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Claims Trends & Payouts in Auburn

Claim Distribution

Comprehensive28%
Collision62%
Liability10%

Average Payouts

Comprehensive$4,200
Collision$5,800

Notable Trends

Smoke Damage Claims +180% (2023–2025)
Data Sources: Insurance Information Institute, CA DOI Claims Data 2024

Local Driving Laws & Regulations in CA

Key California Laws

Hands-Free LawYes (CVC 23123)
Primary Seatbelt LawYes
Teen Driver RestrictionsProvisional license until 18; no passengers <20 for first year
DUI BAC Limit0.08%
Move Over LawYes — slow down or move over for emergency vehicles

Local Enforcement

Red Light CamerasNo
Speed CamerasNo
Source: CA DMV, CHP, Auburn Municipal Code

Auburn Location & Geography

Nestled in the Sierra Nevada foothills, historic Gold Rush town with proximity to Tahoe and Sacramento. Known for the Auburn Courthouse, endurance racing, and outdoor recreation.

City
Auburn
State
CA (CA)
ZIP Codes
95602, 95603, 95604
County
Placer County
Region
Sierra Nevada Foothills
Population
13,658
Growth Rate (2020-2025)
-0.109%
Land Area
7.2 sq miles
Population Density
1,920 per sq mi
Elevation
1,237 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

I-80

CA-49

CA-193

Auburn-Folsom Rd

Grass Valley Hwy

Bell Rd

Insurance Cost Comparison

Coverage Type Auburn Average California Average National Average Your Savings
Full Coverage $1,695/year $2,532/year $2,030/year 33% lower

Demographics & Driving Behavior

Median age 47 (vs. 38.8 U.S.); 18% drivers 16–24. DUI rate 2.5 per 1,000 (vs. 2.8 CA avg). Credit scoring banned in CA; rates based on driving history, age. Retirees and commuters influence lower youth risk but higher mileage.

Age Demographics

Median Age (Auburn) 47
U.S. Median Age 38.8
Drivers Aged 16-24 18%

DUI & Violations

DUI Rate (Auburn) 2.5 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +80%
Speeding (15+ mph) +25%
At-Fault Accident +45%

Frequently Asked Questions

Is credit score used for insurance rates in Auburn?
No. California bans credit scoring in auto insurance per Prop 103.
Do I need comprehensive coverage in Auburn?
Highly recommended due to wildfire smoke, hail, and animal collisions.
Are red light cameras used in Auburn?
No. Auburn does not use red light or speed cameras.
What's the cheapest insurance in Auburn?
GEICO and Progressive typically offer the lowest rates for clean records.

Expert Recommendations for Auburn Drivers

Coverage & Savings Tips

  • Fill out our quick quote form to receive a personalized auto insurance rate tailored to Auburn, CA.
  • Bundle auto + home/renters for up to 25% savings.
  • Seniors/retirees: Complete a CA-approved mature driver course for additional discounts.
  • Add comprehensive coverage to protect against wildfire smoke, hail, and falling debris.
  • Maintain a clean driving record to maximize good driver discounts.
  • Avoid small claims under $750 to preserve claims-free savings.
  • Get your free quote today — takes less than 2 minutes.
  • Consider telematics for safe driving rewards — up to 40% off.

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Overall Risk Assessment

Low-Moderate overall; below CA average due to lower density and crime, but elevated by wildfire/weather and commuter accidents. Annual full coverage $1,695 (33% below CA avg of $2,532).

Last Updated: 2025-11-07