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Citrus Heights Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $820 less every year
Central Valley Elevation 322 ft Population Pop. 85,369
$2,080
Avg. Full Coverage
22%
Below State Avg
22min
Avg. Commute
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$2,080 Avg. Annual Full Coverage
$173 Monthly Premium (Clean Record)
22% Below CA Average
$88 Monthly Liability Only
22 min Average Commute Time
Excellent News for Citrus Heights Residents!
Citrus Heights's auto insurance rates are 22% below CA average of $2,670/year. With comprehensive coverage averaging just $2,080 annually, you're saving $590/year compared to the typical CA driver.

Citrus Heights Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $590/year with smart coverage.

Weather & Environmental Risk Factors

Moderate Risk Level — Low (suburban buffer)

Mediterranean with hot summers (smoke) and wet winters (floods). Annual rainfall 28 inches; low snow. Urban heat and flood risks.

Annual Weather Data

Thunderstorm Days 9 per year
Annual Rainfall 28 inches
Annual Snowfall 1 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Citrus Heights
  • Fair Oaks

Peak Risk Months

Flood Risk:

January February March

Wildfire Risk:

July August

Common Weather-Related Claims

Smoke damage

Coverage: Comprehensive

Flooding low areas

Coverage: Comprehensive

Hail

Coverage: Comprehensive

Wind debris

Coverage: Collision

Urban heat breakdowns

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Flood watch I-80
  • Recirculate smoke

Wildfire Season

  • Rain distance
  • Emergency kit

General Safety

  • Tire pressure heat
  • Headlights fog
Data Sources: NOAA Sacramento, CAL FIRE 2025

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Accident Risk Analysis

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

High from I-80 traffic and suburban density. At-fault 14.5% (vs 12% national), 38% commuter crashes.

Key Statistics

At-Fault Rate (Citrus Heights) 14.5%
National Average 12%
Commuter-Related Crashes 38%
Tourist-Related Crashes 8%

Premium Impact

Monthly Liability (Clean Record) $88
Monthly Full Coverage (Clean) $173
Annual Full Coverage $2,080
Savings vs. CA Average 22% lower

Common Accident Types

I-80 rear-end rush hour

Suburban intersection

Auburn Blvd collisions

Deer outskirts

Distracted near parks

High-Risk Intersections

Drive with Extra Caution at These Locations:

I-80 & Sunrise Ave

Auburn Blvd & Walnut Ave

Antelope Rd & Greenback Ln

Peak Accident Months

January February August
Data Sources: CHP SWITRS 2023-2025, Insurify 2025, Caltrans PeMS

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Theft & Property Crime Risk

Moderate Risk Level — Motor vehicle theft rate...

Moderate-high property crime 12.1 per 1,000. Vehicle theft 2.2 per 1,000, hotspots in malls.

Crime Statistics

Motor Vehicle Theft Rate 2.2 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 12.1 per 1,000
Burglary Rate 380 per 100,000
Violent Crime Rate 4.5 per 1,000
Theft Increase (2023-2025) +18%

Most Stolen Vehicles in Citrus Heights

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

High Theft Zones

Exercise Extra Caution in These Areas:

Sunrise Mall lots

I-80 commercial

Residential near river

Apartments

Recommended Anti-Theft Measures

Alarm system

Wheel lock

GPS tracker

Secure parking

Hide valuables

Steering lock

Data Sources: Sacramento County Sheriff 2024, FBI UCR 2023, NICB 2025

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Seasonal Driving Risks in Citrus Heights

❄️

Winter

Flooding, fog on I-80

🌸

Spring

Rain accidents

☀️

Summer

Smoke, heat

🍂

Fall

Deer, dark

🍂

Source

CAL FIRE, NWS Sacramento

Source: CAL FIRE, NWS Sacramento

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Claims Trends & Payouts in Citrus Heights

Claim Distribution

Comprehensive28%
Collision62%
Liability10%

Average Payouts

Comprehensive$4,200
Collision$5,800

Notable Trends

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

Local Driving Laws & Regulations in CA

Key California Laws

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

Local Enforcement

Red Light CamerasNo
Speed CamerasNo
Source: CA DMV, CHP, Sacramento Code

Citrus Heights Location & Geography

Suburban city in Sacramento County, known for residential neighborhoods and proximity to American River.

City
Citrus Heights
State
CA (CA)
ZIP Codes
95610, 95621
County
Sacramento County
Region
Central Valley
Population
85,369
Growth Rate (2020-2025)
0.8%
Land Area
14.2 sq miles
Population Density
6,010 per sq mi
Elevation
322 feet
Climate Zone
Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

I-80

Auburn Blvd

Sunrise Ave

Insurance Cost Comparison

Coverage Type Citrus Heights Average California Average National Average Your Savings
Full Coverage $0/year $2,670/year $2,030/year 22% lower

Demographics & Driving Behavior

Median age 38 (vs 38.8 US); 22% drivers 16-24. DUI 2.4 per 1,000 (below CA 2.8). Credit banned; rates on history.

Age Demographics

Median Age (Citrus Heights) 38
U.S. Median Age 38.8
Drivers Aged 16-24 22%

DUI & Violations

DUI Rate (Citrus Heights) 2.4 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +78%
Speeding (15+ mph) +24%
At-Fault Accident +42%

Frequently Asked Questions

Credit for Citrus Heights rates?
No. CA bans credit per Prop 103.
Comprehensive needed?
Yes for smoke, hail, animals.
Cameras in Citrus Heights?
No red light or speed.
Best insurance in Citrus Heights?
GEICO, Progressive for clean records.

Expert Recommendations for Citrus Heights Drivers

Coverage & Savings Tips

  • Personalized quote for Citrus Heights, CA.
  • Bundle for 25% savings.
  • Mature course discounts.
  • Comprehensive for smoke and hail.
  • Clean record discounts.
  • Avoid small claims.
  • Free quote 2 minutes.
  • Telematics for 40% off.

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Overall Risk Assessment

High overall; 22% below CA average due to suburban access, but elevated by traffic. Annual full coverage $2,080 (22% below CA avg of $2,670).

Last Updated: 2025-11-07