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Fair Oaks Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1046 less every year
Sacramento Valley Foothills Elevation 174 ft Population Pop. 32,000
$1,854
Avg. Full Coverage
27%
Below State Avg
26min
Avg. Commute
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$1,854 Avg. Annual Full Coverage
$155 Monthly Premium (Clean Record)
27% Below CA Average
$76 Monthly Liability Only
26 min Average Commute Time
Excellent News for Fair Oaks Residents!
Fair Oaks's auto insurance rates are 27% below CA average of $2,532/year. With comprehensive coverage averaging just $1,854 annually, you're saving $678/year compared to the typical CA driver.

Fair Oaks Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $678/year with smart coverage.

Weather & Environmental Risk Factors

Moderate Risk Level — Moderate (smoke from Sierra fires, local WUI zones)

Valley-foothills transition with dense tule fog (Nov–Feb), wildfire smoke (summer), and occasional river flooding. Annual rainfall 22 inches. Oak tree debris common.

Annual Weather Data

Thunderstorm Days 7 per year
Annual Rainfall 22 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Phoenix Field
  • Sailor Bar
  • River Bend

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

July August September

Common Weather-Related Claims

Fog-related rear-end collisions

Coverage: Collision

Wildfire smoke damage to paint/HVAC

Coverage: Comprehensive

Falling oak branches on vehicles

Coverage: Collision

Hail from rare thunderstorms

Coverage: Comprehensive

Flooded undercarriage near river trails

Coverage: Comprehensive

Weather Driving Safety Advice

Winter Preparation

  • Use fog lights and reduce speed to 35 mph in dense tule fog
  • Increase following distance to 5+ seconds in rain

Wildfire Season

  • Park under cover during wind/oak drop season (Oct–Mar)
  • Recirculate cabin air during smoke events

General Safety

  • Avoid flooded low-water crossings on San Juan Ave
  • Check tire pressure monthly in extreme heat
Data Sources: NOAA NWS Sacramento, CAL FIRE 2025, Sacramento County OES

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Accident Risk Analysis

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

Suburban traffic on CA-50 and Hazel Ave. At-fault accident rate 12.5% (near national avg). Oak-lined roads increase debris claims. School zones active.

Key Statistics

At-Fault Rate (Fair Oaks) 12.5%
National Average 12%
Commuter-Related Crashes 38%
Tourist-Related Crashes 10%

Premium Impact

Monthly Liability (Clean Record) $76
Monthly Full Coverage (Clean) $155
Annual Full Coverage $1,854
Savings vs. CA Average 27% lower

Common Accident Types

Rear-end collisions on CA-50 (rush hours)

Intersection crashes at Madison & Hazel

Deer collisions on San Juan Ave (dusk/dawn)

Distracted driving near Bella Vista High School

Oak branch impacts in residential areas

High-Risk Intersections

Drive with Extra Caution at These Locations:

CA-50 & Hazel Ave

Madison Ave & Sunrise Blvd

San Juan Ave & Winding Way

Fair Oaks Blvd & Kenneth Ave

Peak Accident Months

January August December
Data Sources: CHP SWITRS 2023–2025, Sacramento County DOT, Caltrans PeMS

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Theft & Property Crime Risk

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

Low-moderate crime. Motor vehicle theft 1.6 per 1,000 (below CA urban avg). Hotspots in village parking and trailheads.

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 Fair Oaks

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

High Theft Zones

Exercise Extra Caution in These Areas:

Fair Oaks Village parking

American River Parkway trailheads

Safeway & Raley's lots

Residential streets near parks

Recommended Anti-Theft Measures

Garage parking (highly effective in suburb)

Motion-sensor lighting

Remove valuables from sight

Steering wheel lock for overnight street parking

GPS tracking (AirTag/OnStar)

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

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Seasonal Driving Risks in Fair Oaks

❄️

Winter

Dense tule fog, oak branch fall, river flooding

🌸

Spring

Pollen, rockslides on bluffs

☀️

Summer

Wildfire smoke, extreme heat

🍂

Fall

Early darkness, deer activity, leaf debris

🍂

Source

CAL FIRE, NWS Sacramento

Source: CAL FIRE, NWS Sacramento

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Claims Trends & Payouts in Fair Oaks

Claim Distribution

Comprehensive32%
Collision58%
Liability10%

Average Payouts

Comprehensive$4,600
Collision$6,100

Notable Trends

Smoke Damage Claims +175% (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

Local Enforcement

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

Fair Oaks Location & Geography

Established suburban community along the American River with mature oak trees, excellent schools, and historic chicken farms. Known for the Fair Oaks Village and annual festivals.

City
Fair Oaks
State
CA (CA)
ZIP Codes
95628
County
Sacramento County
Region
Sacramento Valley Foothills
Population
32,000
Growth Rate (2020-2025)
0.8%
Land Area
11.2 sq miles
Population Density
2,857 per sq mi
Elevation
174 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

CA-50

Madison Ave

Hazel Ave

San Juan Ave

Sunrise Blvd

Insurance Cost Comparison

Coverage Type Fair Oaks Average California Average National Average Your Savings
Full Coverage $0/year $2,532/year $2,030/year 27% lower

Demographics & Driving Behavior

Median age 44 (older than U.S. 38.8); 16% drivers 16–24. DUI rate 2.1 per 1,000 (below CA avg). Credit scoring banned in CA.

Age Demographics

Median Age (Fair Oaks) 44
U.S. Median Age 38.8
Drivers Aged 16-24 16%

DUI & Violations

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

Premium Increases

DUI Violation +82%
Speeding (15+ mph) +24%
At-Fault Accident +42%

Frequently Asked Questions

Is credit score used in Fair Oaks?
No. California bans credit scoring in auto insurance per Prop 103.
Do I need comprehensive in Fair Oaks?
Highly recommended for oak debris, smoke, and fog-related risks.
Are red light cameras used?
No. Fair Oaks has no traffic enforcement cameras.
What's the cheapest insurance in Fair Oaks?
GEICO and Progressive typically offer lowest rates for clean records.

Expert Recommendations for Fair Oaks Drivers

Coverage & Savings Tips

  • Fill out our quick quote form to receive a personalized Fair Oaks, CA rate.
  • Bundle auto + home/renters for up to 25% savings.
  • Add comprehensive coverage for oak branch, smoke, and hail protection.
  • Seniors: Complete CA-approved mature driver course for extra discount.
  • Maintain clean record to maximize good driver savings.
  • Avoid small claims under $800.
  • Get your free quote today — takes less than 2 minutes.
  • Consider telematics for safe driving rewards — up to 40% off.

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Overall Risk Assessment

Moderate overall; 27% below CA average due to suburban safety and mature drivers. Elevated by fog, oak debris, and commuter traffic. Annual full coverage $1,854 (vs CA avg $2,532).

Last Updated: 2025-11-07