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Davis Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1080 less every year
Sacramento Valley Elevation 52 ft Population Pop. 67,000
$1,820
Avg. Full Coverage
28%
Below State Avg
22min
Avg. Commute
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$1,820 Avg. Annual Full Coverage
$152 Monthly Premium (Clean Record)
28% Below CA Average
$78 Monthly Liability Only
22 min Average Commute Time
Excellent News for Davis Residents!
Davis's auto insurance rates are 28% below CA average of $2,532/year. With comprehensive coverage averaging just $1,820 annually, you're saving $712/year compared to the typical CA driver.

Davis Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $712/year with smart coverage.

Weather & Environmental Risk Factors

Moderate Risk Level — Low-Moderate (valley buffer but smoke transport)

Valley location with hot summers (wildfire smoke) and wet winters (fog/flooding). Annual rainfall 20 inches; rare snow. Tule fog reduces visibility Nov–Feb. Wildfire smoke impacts air quality and paint.

Annual Weather Data

Thunderstorm Days 8 per year
Annual Rainfall 20 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • West Davis
  • South Davis

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

July August September

Common Weather-Related Claims

Wildfire smoke damage to paint/HVAC (comprehensive)

Coverage: Comprehensive

Fog-related rear-end collisions

Coverage: Collision

Flooded undercarriage in low areas

Coverage: Comprehensive

Hail from rare thunderstorms

Coverage: Comprehensive

Heat-related battery/tire failures

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Use fog lights and reduce speed in tule fog
  • Recirculate air during smoke events

Wildfire Season

  • Increase following distance in rain ≥3 seconds
  • Bike-aware driving near campus

General Safety

  • Check tire pressure monthly in heat
  • Emergency kit for I-80 delays
Data Sources: NOAA NWS Sacramento, CAL FIRE 2025, UC Davis OEM

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Accident Risk Analysis

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

Moderate accident rate influenced by student cyclists/pedestrians and I-80 commuters. At-fault rate ~12.5% (near national 12%), with 30% commuter-related. Bike/vehicle conflicts common near UC Davis.

Key Statistics

At-Fault Rate (Davis) 12.5%
National Average 12%
Commuter-Related Crashes 30%
Tourist-Related Crashes 15%

Premium Impact

Monthly Liability (Clean Record) $78
Monthly Full Coverage (Clean) $152
Annual Full Coverage $1,820
Savings vs. CA Average 28% lower

Common Accident Types

Bike/vehicle collisions near campus

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

Left-turn crashes at signalized intersections

Pedestrian incidents downtown

Distracted driving near bike paths

High-Risk Intersections

Drive with Extra Caution at These Locations:

I-80 & Richards Blvd

Russell Blvd & Anderson Rd

Covell Blvd & CA-113

1st St & B St (downtown)

Peak Accident Months

September October January
Data Sources: CHP SWITRS 2023–2025, Insurify September 2025 Report, Caltrans PeMS

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Theft & Property Crime Risk

Low-Moderate Risk Level — Motor vehicle theft rate...

Property crime rate 9.8 per 1,000 (near national 9.3). Motor vehicle theft 1.6 per 1,000 (below national 1.7), with hotspots near campus and downtown. Bike theft high but not auto.

Crime Statistics

Motor Vehicle Theft Rate 1.6 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 9.8 per 1,000
Burglary Rate 290 per 100,000
Violent Crime Rate 3.2 per 1,000
Theft Increase (2023-2025) +8%

Most Stolen Vehicles in Davis

  1. Honda Civic
  2. Toyota Prius
  3. Toyota Camry
  4. Honda Accord

High Theft Zones

Exercise Extra Caution in These Areas:

UC Davis parking lots

Downtown Davis parking garages

Apartment complexes near Russell Blvd

Amtrak station area

Recommended Anti-Theft Measures

GPS tracking device (e.g., AirTag)

Steering wheel lock

Secure garage parking

Remove valuables from sight

Alarm system for high-value vehicles

Data Sources: Davis PD Crime Statistics 2024, FBI UCR 2023, NICB Hot Spots Report

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Seasonal Driving Risks in Davis

❄️

Winter

Tule fog, flooding near creeks

🌸

Spring

Pollen, bike traffic surge

☀️

Summer

Wildfire smoke, extreme heat

🍂

Fall

Student move-in, early darkness

🍂

Source

CAL FIRE, NWS Sacramento

Source: CAL FIRE, NWS Sacramento

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Claims Trends & Payouts in Davis

Claim Distribution

Comprehensive25%
Collision60%
Liability15%

Average Payouts

Comprehensive$3,900
Collision$5,500

Notable Trends

Smoke Damage Claims +150% (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, Davis Municipal Code

Davis Location & Geography

University town home to UC Davis, known for bike-friendly culture, agriculture research, and proximity to Sacramento.

City
Davis
State
CA (CA)
ZIP Codes
95616, 95617, 95618
County
Yolo County
Region
Sacramento Valley
Population
67,000
Growth Rate (2020-2025)
1.2%
Land Area
9.9 sq miles
Population Density
6,768 per sq mi
Elevation
52 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

I-80

CA-113

Russell Blvd

Insurance Cost Comparison

Coverage Type Davis Average California Average National Average Your Savings
Full Coverage $1,820/year $2,532/year $2,030/year 28% lower

Demographics & Driving Behavior

Median age 26 (vs. 38.8 U.S.); 35% drivers 16–24 due to UC Davis. DUI rate 2.1 per 1,000 (below CA avg). Credit scoring banned; rates based on driving history, age, mileage.

Age Demographics

Median Age (Davis) 26
U.S. Median Age 38.8
Drivers Aged 16-24 35%

DUI & Violations

DUI Rate (Davis) 2.1 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +85%
Speeding (15+ mph) +28%
At-Fault Accident +48%

Frequently Asked Questions

Is credit score used for insurance rates in Davis?
No. California bans credit scoring in auto insurance per Prop 103.
Do I need comprehensive coverage in Davis?
Recommended for wildfire smoke, fog, and bike-related risks.
Are red light cameras used in Davis?
No. Davis does not use red light or speed cameras.
What's the cheapest insurance in Davis?
GEICO and Progressive typically offer lowest rates for students and clean records.

Expert Recommendations for Davis Drivers

Coverage & Savings Tips

  • Fill out our quick quote form to receive a personalized auto insurance rate tailored to Davis, CA.
  • Bundle auto + renters for up to 20% savings (popular with students).
  • UC Davis students: Ask about good student discounts.
  • Add comprehensive coverage for wildfire smoke and hail.
  • Maintain clean record for maximum good driver discount.
  • Avoid small claims under $700.
  • Get your free quote today — takes less than 2 minutes.
  • Consider telematics for safe driving rewards — up to 35% off.

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Overall Risk Assessment

Low-Moderate overall; 28% below CA average due to bike culture, low crime, and young but responsible drivers. Annual full coverage $1,820 (28% below CA avg of $2,532).

Last Updated: 2025-11-07