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Clovis Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $710 less every year
San Joaquin Valley Elevation 374 ft Population Pop. 129,196
$2,190
Avg. Full Coverage
18%
Below State Avg
25min
Avg. Commute
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$2,190 Avg. Annual Full Coverage
$182 Monthly Premium (Clean Record)
18% Below CA Average
$82 Monthly Liability Only
25 min Average Commute Time
Excellent News for Clovis Residents!
Clovis's auto insurance rates are 18% below CA average of $2,670/year. With comprehensive coverage averaging just $2,190 annually, you're saving $480/year compared to the typical CA driver.

Clovis Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $480/year with smart coverage.

Weather & Environmental Risk Factors

Moderate Risk Level — Moderate (valley fire prone)

Mediterranean with hot summers (smoke) and mild winters. Annual rainfall 12 inches; low snow. Valley heat and fire risks.

Annual Weather Data

Thunderstorm Days 5 per year
Annual Rainfall 12 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Clovis
  • Fresno

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

July August

Common Weather-Related Claims

Smoke damage

Coverage: Comprehensive

Heat breakdowns

Coverage: Collision

Hail

Coverage: Comprehensive

Wind damage

Coverage: Collision

Dust storms

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Flood watch CA-168
  • Recirculate smoke

Wildfire Season

  • Rain distance
  • Emergency kit

General Safety

  • Tire pressure heat
  • Headlights dust
Data Sources: NOAA Fresno, CAL FIRE 2025

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Accident Risk Analysis

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

Moderate from CA-168 and suburban growth. At-fault 13.5% (vs 12% national), 32% commuter crashes.

Key Statistics

At-Fault Rate (Clovis) 13.5%
National Average 12%
Commuter-Related Crashes 32%
Tourist-Related Crashes 12%

Premium Impact

Monthly Liability (Clean Record) $82
Monthly Full Coverage (Clean) $182
Annual Full Coverage $2,190
Savings vs. CA Average 18% lower

Common Accident Types

CA-168 rear-end

Suburban intersections

Clovis Ave collisions

Deer rural

Distracted near schools

High-Risk Intersections

Drive with Extra Caution at These Locations:

CA-168 & Clovis Ave

Herndon & Temperance

Shaw & Sunnyside

Peak Accident Months

July August December
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 property crime 10.8 per 1,000. Vehicle theft 1.8 per 1,000, hotspots in commercial.

Crime Statistics

Motor Vehicle Theft Rate 1.8 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 10.8 per 1,000
Burglary Rate 300 per 100,000
Violent Crime Rate 3.2 per 1,000
Theft Increase (2023-2025) +12%

Most Stolen Vehicles in Clovis

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

High Theft Zones

Exercise Extra Caution in These Areas:

Clovis shopping centers

CA-168 lots

Residential outskirts

Apartment areas

Recommended Anti-Theft Measures

Alarm system

Wheel lock

GPS tracker

Secure parking

Hide valuables

Steering lock

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

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Seasonal Driving Risks in Clovis

❄️

Winter

Fog on CA-168

🌸

Spring

Rain accidents

☀️

Summer

Smoke, heat

🍂

Fall

Deer

🍂

Source

CAL FIRE, NWS Fresno

Source: CAL FIRE, NWS Fresno

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Claims Trends & Payouts in Clovis

Claim Distribution

Comprehensive26%
Collision64%
Liability10%

Average Payouts

Comprehensive$4,000
Collision$5,700

Notable Trends

Smoke Damage Claims +160% (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, Fresno Code

Clovis Location & Geography

Suburban city in Fresno County, known for family-friendly neighborhoods and proximity to Sierra Nevada.

City
Clovis
State
CA (CA)
ZIP Codes
93611, 93612, 93619
County
Fresno County
Region
San Joaquin Valley
Population
129,196
Growth Rate (2020-2025)
2.5%
Land Area
31 sq miles
Population Density
4,168 per sq mi
Elevation
374 feet
Climate Zone
Mediterranean (Csa)
Metro Area
Fresno, CA MSA

Major Roadways

CA-168

CA-41

Clovis Ave

Insurance Cost Comparison

Coverage Type Clovis Average California Average National Average Your Savings
Full Coverage $2,190/year $2,670/year $2,030/year 18% lower

Demographics & Driving Behavior

Median age 35 (vs 38.8 US); 18% drivers 16-24. DUI 2.3 per 1,000 (below CA 2.8). Credit banned.

Age Demographics

Median Age (Clovis) 35
U.S. Median Age 38.8
Drivers Aged 16-24 18%

DUI & Violations

DUI Rate (Clovis) 2.3 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +75%
Speeding (15+ mph) +23%
At-Fault Accident +42%

Frequently Asked Questions

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

Expert Recommendations for Clovis Drivers

Coverage & Savings Tips

  • Personalized quote for Clovis, 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

Moderate overall; 18% below CA average due to suburban safety, but elevated by commutes. Annual full coverage $2,190 (18% below CA avg of $2,670).

Last Updated: 2025-11-07