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Dixon Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1048 less every year
Sacramento Valley Elevation 62 ft Population Pop. 20,000
$1,852
Avg. Full Coverage
27%
Below State Avg
28min
Avg. Commute
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$1,852 Avg. Annual Full Coverage
$154 Monthly Premium (Clean Record)
27% Below CA Average
$78 Monthly Liability Only
28 min Average Commute Time
Excellent News for Dixon Residents!
Dixon's auto insurance rates are 27% below CA average of $2,532/year. With comprehensive coverage averaging just $1,852 annually, you're saving $680/year compared to the typical CA driver.

Dixon Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $680/year with smart coverage.

Weather & Environmental Risk Factors

Moderate Risk Level — Moderate (smoke transport from Sierra fires)

Valley location with dense tule fog (Nov–Feb) and wildfire smoke (summer). Annual rainfall 22 inches. Low snow risk.

Annual Weather Data

Thunderstorm Days 6 per year
Annual Rainfall 22 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Dixon
  • Rural Solano

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

July August

Common Weather-Related Claims

Fog-related rear-end collisions

Coverage: Collision

Smoke damage to paint/HVAC

Coverage: Comprehensive

Hail from rare storms

Coverage: Comprehensive

Flooded undercarriage in fields

Coverage: Comprehensive

Weather Driving Safety Advice

Winter Preparation

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

Wildfire Season

  • Increase following distance to 5 seconds in rain
  • Avoid flooded farm roads

General Safety

  • Check tire pressure in heat
Data Sources: NOAA NWS Sacramento, CAL FIRE 2025

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Accident Risk Analysis

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

I-80 truck corridor increases crash severity. At-fault rate 13%. Farm equipment and fog contribute.

Key Statistics

At-Fault Rate (Dixon) 13%
National Average 12%
Commuter-Related Crashes 40%
Tourist-Related Crashes 10%

Premium Impact

Monthly Liability (Clean Record) $78
Monthly Full Coverage (Clean) $154
Annual Full Coverage $1,852
Savings vs. CA Average 27% lower

Common Accident Types

Rear-end on I-80 (fog/truck braking)

Farm equipment collisions on rural roads

Intersection crashes at Pedrick Rd

Run-off-road in fog

High-Risk Intersections

Drive with Extra Caution at These Locations:

I-80 & Pedrick Rd

CA-113 & Vaughn Rd

Dixon Ave W & Pitt School Rd

Peak Accident Months

November December January
Data Sources: CHP SWITRS 2023–2025, Solano County DOT

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Theft & Property Crime Risk

Moderate Risk Level — Motor vehicle theft rate...

Moderate crime. Vehicle theft 1.7 per 1,000 (national avg). Hotspots near warehouses and truck stops.

Crime Statistics

Motor Vehicle Theft Rate 1.7 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 10.2 per 1,000
Burglary Rate 310 per 100,000
Violent Crime Rate 3.6 per 1,000
Theft Increase (2023-2025) +14%

Most Stolen Vehicles in Dixon

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

High Theft Zones

Exercise Extra Caution in These Areas:

I-80 truck stops

Warehouse parking lots

Downtown Dixon

Recommended Anti-Theft Measures

GPS tracking for work trucks

Alarm system

Secure parking in lighted areas

Steering wheel lock

Data Sources: Dixon PD 2024, FBI UCR 2023

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Seasonal Driving Risks in Dixon

❄️

Winter

Dense tule fog, farm road flooding

🌸

Spring

Pollen, equipment on roads

☀️

Summer

Smoke, heat

🍂

Fall

Harvest traffic, early dark

🍂

Source

CAL FIRE, NWS

Source: CAL FIRE, NWS

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Claims Trends & Payouts in Dixon

Claim Distribution

Comprehensive28%
Collision62%
Liability10%

Average Payouts

Comprehensive$4,100
Collision$5,900

Notable Trends

Smoke Damage Claims +170% (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
DUI BAC Limit0.08%
Move Over LawYes

Local Enforcement

Red Light CamerasNo
Speed CamerasNo
Source: CA DMV, Dixon Municipal Code

Dixon Location & Geography

Agricultural and logistics hub along I-80, known for dairy farms, lamb production, and growing warehouse distribution centers.

City
Dixon
State
CA (CA)
ZIP Codes
95620
County
Solano County
Region
Sacramento Valley
Population
20,000
Growth Rate (2020-2025)
2.1%
Land Area
7.4 sq miles
Population Density
2,703 per sq mi
Elevation
62 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

I-80

CA-113

Pedrick Rd

Dixon Ave W

Insurance Cost Comparison

Coverage Type Dixon Average California Average National Average Your Savings
Full Coverage $1,852/year $2,532/year $2,030/year 27% lower

Demographics & Driving Behavior

Median age 36. 20% drivers 16–24. DUI 2.4 per 1,000.

Age Demographics

Median Age (Dixon) 36
U.S. Median Age 38.8
Drivers Aged 16-24 20%

DUI & Violations

DUI Rate (Dixon) 2.4 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

Credit used in Dixon?
No. CA bans credit scoring.
Comprehensive needed?
Yes for fog, smoke, and farm risks.
Cameras?
No red light or speed cameras.
Cheapest?
GEICO, Progressive for clean records.

Expert Recommendations for Dixon Drivers

Coverage & Savings Tips

  • Get a personalized Dixon quote in under 2 minutes.
  • Bundle for up to 25% savings.
  • Add comprehensive for fog and smoke protection.
  • Clean record = max discount.
  • Avoid small claims.
  • Telematics for safe driving rewards.

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Overall Risk Assessment

Moderate overall; 27% below CA average due to rural setting but elevated by I-80 and fog. Annual full coverage $1,852.

Last Updated: 2025-11-07