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El Dorado Hills Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1179 less every year
Sierra Nevada Foothills Elevation 767 ft Population Pop. 51,000
$1,721
Avg. Full Coverage
32%
Below State Avg
30min
Avg. Commute
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$1,721 Avg. Annual Full Coverage
$143 Monthly Premium (Clean Record)
32% Below CA Average
$68 Monthly Liability Only
30 min Average Commute Time
Excellent News for El Dorado Hills Residents!
El Dorado Hills's auto insurance rates are 32% below CA average of $2,532/year. With comprehensive coverage averaging just $1,721 annually, you're saving $811/year compared to the typical CA driver.

El Dorado Hills Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $811/year with smart coverage.

Weather & Environmental Risk Factors

High Risk Level — Very High (WUI interface)

Foothills with high wildfire risk and occasional snow. Smoke damage frequent. Annual rainfall 34 inches.

Annual Weather Data

Thunderstorm Days 9 per year
Annual Rainfall 34 inches
Annual Snowfall 6 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Serrano
  • The Summit
  • Four Seasons

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

July August September October

Common Weather-Related Claims

Wildfire smoke damage (comprehensive)

Coverage: Comprehensive

Hail on luxury vehicles

Coverage: Comprehensive

Falling oak branches

Coverage: Collision

Snow/ice on higher roads

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Snow tires for occasional winter events
  • Monitor US-50 chain controls

Wildfire Season

  • Use recirculation in smoke
  • Increase rain following distance

General Safety

  • Wildfire go-bag in trunk
Data Sources: NOAA, CAL FIRE 2025

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Accident Risk Analysis

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

Low density, affluent drivers. At-fault rate 10.5% (lowest in region). US-50 commuter crashes main concern.

Key Statistics

At-Fault Rate (El Dorado Hills) 10.5%
National Average 12%
Commuter-Related Crashes 30%
Tourist-Related Crashes 12%

Premium Impact

Monthly Liability (Clean Record) $68
Monthly Full Coverage (Clean) $143
Annual Full Coverage $1,721
Savings vs. CA Average 32% lower

Common Accident Types

Rear-end on US-50

Gated community gate damage

Deer on Latrobe Rd

Distracted driving near schools

High-Risk Intersections

Drive with Extra Caution at These Locations:

US-50 & Latrobe Rd

Serrano Pkwy & Green Valley Rd

Silva Valley Pkwy & Harvard Way

Peak Accident Months

August December
Data Sources: CHP SWITRS 2023–2025

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Theft & Property Crime Risk

Low Risk Level — Motor vehicle theft rate...

Very low crime. Vehicle theft 1.1 per 1,000.

Crime Statistics

Motor Vehicle Theft Rate 1.1 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 7.8 per 1,000
Burglary Rate 220 per 100,000
Violent Crime Rate 2.1 per 1,000
Theft Increase (2023-2025) +3%

Most Stolen Vehicles in El Dorado Hills

  1. Tesla Model Y
  2. BMW X5
  3. Lexus RX
  4. Mercedes GLE

High Theft Zones

Exercise Extra Caution in These Areas:

Town Center parking

Folsom Lake access points

Recommended Anti-Theft Measures

Garage parking (standard)

Home security integration

GPS tracking (built-in for luxury)

Data Sources: EDH CSD, FBI UCR 2023

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Seasonal Driving Risks in El Dorado Hills

❄️

Winter

Occasional snow, ice

🌸

Spring

Pollen, rockslides

☀️

Summer

Wildfire smoke

🍂

Fall

Deer, early dark

🍂

Source

CAL FIRE

Source: CAL FIRE

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Claims Trends & Payouts in El Dorado Hills

Claim Distribution

Comprehensive40%
Collision50%
Liability10%

Average Payouts

Comprehensive$5,200
Collision$6,800

Notable Trends

Smoke Damage Claims +250% (2023–2025)
Data Sources: III, CA DOI 2024

Local Driving Laws & Regulations in CA

Key California Laws

Hands-Free LawYes
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

El Dorado Hills Location & Geography

Affluent master-planned community with top-rated schools, gated neighborhoods, and proximity to Folsom Lake. Known for low crime and high home values.

City
El Dorado Hills
State
CA (CA)
ZIP Codes
95762
County
El Dorado County
Region
Sierra Nevada Foothills
Population
51,000
Growth Rate (2020-2025)
2.8%
Land Area
48.5 sq miles
Population Density
1,052 per sq mi
Elevation
767 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

US-50

Latrobe Rd

Serrano Pkwy

Green Valley Rd

Insurance Cost Comparison

Coverage Type El Dorado Hills Average California Average National Average Your Savings
Full Coverage $0/year $2,532/year $2,030/year 32% lower

Demographics & Driving Behavior

Median age 45. Only 15% drivers 16–24. DUI 1.7 per 1,000.

Age Demographics

Median Age (El Dorado Hills) 45
U.S. Median Age 38.8
Drivers Aged 16-24 15%

DUI & Violations

DUI Rate (El Dorado Hills) 1.7 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +85%
Speeding (15+ mph) +20%
At-Fault Accident +38%

Frequently Asked Questions

Credit in EDH?
No. CA bans credit use.
Comprehensive needed?
Yes — critical for wildfire smoke.
Cameras?
No traffic cameras.
Cheapest?
GEICO, Progressive for clean records.

Expert Recommendations for El Dorado Hills Drivers

Coverage & Savings Tips

  • Get your EDH personalized quote now.
  • Bundle auto + home for 30% savings.
  • Add comprehensive for wildfire protection.
  • Clean record = maximum discount.
  • Avoid small claims under $1,000.
  • Telematics for up to 45% off.

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Overall Risk Assessment

Low overall; 32% below CA average due to affluent, low-crime, mature drivers. Wildfire only major risk. Annual full coverage $1,721.

Last Updated: 2025-11-07