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Folsom Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1117 less every year
Sacramento Valley Foothills Elevation 220 ft Population Pop. 85,000
$1,783
Avg. Full Coverage
30%
Below State Avg
27min
Avg. Commute
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$1,783 Avg. Annual Full Coverage
$149 Monthly Premium (Clean Record)
30% Below CA Average
$74 Monthly Liability Only
27 min Average Commute Time
Excellent News for Folsom Residents!
Folsom's auto insurance rates are 30% below CA average of $2,532/year. With comprehensive coverage averaging just $1,783 annually, you're saving $749/year compared to the typical CA driver.

Folsom Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $749/year with smart coverage.

Weather & Environmental Risk Factors

Moderate Risk Level — Moderate-High (WUI near lake and hills)

Foothills climate with hot summers, tule fog (winter), and wildfire smoke. Proximity to Folsom Lake increases flood risk in low areas. Annual rainfall 24 inches.

Annual Weather Data

Thunderstorm Days 8 per year
Annual Rainfall 24 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Broadstone
  • Empire Ranch
  • Lake Natoma Shores

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

July August September October

Common Weather-Related Claims

Wildfire smoke damage to paint/interior

Coverage: Comprehensive

Fog-related multi-car pileups on US-50

Coverage: Collision

Hail on luxury vehicles

Coverage: Comprehensive

Flooded parking near Folsom Lake

Coverage: Comprehensive

Falling branches from wind events

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

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

Wildfire Season

  • Avoid flooded underpasses near lake
  • Recirculate air during smoke events

General Safety

  • Park in garage during high wind/oak drop
  • Monitor lake levels during heavy rain
Data Sources: NOAA NWS Sacramento, CAL FIRE 2025, Folsom OEM

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Accident Risk Analysis

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

High commuter traffic on US-50. At-fault rate 12% (national avg). Tech workers and lake recreation increase weekend incidents.

Key Statistics

At-Fault Rate (Folsom) 12%
National Average 12%
Commuter-Related Crashes 42%
Tourist-Related Crashes 15%

Premium Impact

Monthly Liability (Clean Record) $74
Monthly Full Coverage (Clean) $149
Annual Full Coverage $1,783
Savings vs. CA Average 30% lower

Common Accident Types

Rear-end on US-50 (rush hours)

Intersection crashes at Blue Ravine & Iron Point

Distracted driving near Intel campus

Boating trailer incidents at lake ramps

Bicycle/vehicle conflicts on Johnny Cash Trail

High-Risk Intersections

Drive with Extra Caution at These Locations:

US-50 & Folsom Blvd

Blue Ravine Rd & East Bidwell St

Iron Point Rd & Prairie City Rd

Folsom Dam Rd & Lake Access

Peak Accident Months

July August December
Data Sources: CHP SWITRS 2023–2025, Folsom PD, Caltrans PeMS

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Theft & Property Crime Risk

Low Risk Level — Motor vehicle theft rate...

Low crime. Vehicle theft 1.4 per 1,000 (below national). Hotspots in lake parking and shopping centers.

Crime Statistics

Motor Vehicle Theft Rate 1.4 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 8.9 per 1,000
Burglary Rate 260 per 100,000
Violent Crime Rate 2.7 per 1,000
Theft Increase (2023-2025) +6%

Most Stolen Vehicles in Folsom

  1. Tesla Model Y
  2. Toyota RAV4
  3. Honda CR-V
  4. Ford F-150

High Theft Zones

Exercise Extra Caution in These Areas:

Folsom Lake State Recreation Area parking

Palladio shopping center

Intel campus lots

Historic District street parking

Recommended Anti-Theft Measures

Garage parking (standard in Folsom)

GPS tracking (built-in for Tesla)

Secure lake trailer with hitch lock

Remove valuables from sight

Data Sources: Folsom PD 2024, FBI UCR 2023, NICB 2025

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Seasonal Driving Risks in Folsom

❄️

Winter

Tule fog, lake flooding

🌸

Spring

Pollen, rockslides

☀️

Summer

Wildfire smoke, lake traffic

🍂

Fall

Early darkness, deer

🍂

Source

CAL FIRE, NWS

Source: CAL FIRE, NWS

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Claims Trends & Payouts in Folsom

Claim Distribution

Comprehensive35%
Collision55%
Liability10%

Average Payouts

Comprehensive$4,900
Collision$6,400

Notable Trends

Smoke Damage Claims +200% (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 license until 18
DUI BAC Limit0.08%
Move Over LawYes

Local Enforcement

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

Folsom Location & Geography

Dynamic, family-friendly city with historic Old Town, Folsom Lake, Intel campus, and top-rated schools. Known for Johnny Cash prison museum and extensive trail system.

City
Folsom
State
CA (CA)
ZIP Codes
95630, 95762
County
Sacramento County
Region
Sacramento Valley Foothills
Population
85,000
Growth Rate (2020-2025)
3.1%
Land Area
27.5 sq miles
Population Density
3,091 per sq mi
Elevation
220 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

US-50

Folsom Blvd

Blue Ravine Rd

Iron Point Rd

East Bidwell St

Insurance Cost Comparison

Coverage Type Folsom Average California Average National Average Your Savings
Full Coverage $1,783/year $2,532/year $2,030/year 30% lower

Demographics & Driving Behavior

Median age 42. 18% drivers 16–24. DUI rate 1.9 per 1,000. High remote work due to Intel.

Age Demographics

Median Age (Folsom) 42
U.S. Median Age 38.8
Drivers Aged 16-24 18%

DUI & Violations

DUI Rate (Folsom) 1.9 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +85%
Speeding (15+ mph) +22%
At-Fault Accident +40%

Frequently Asked Questions

Is credit used in Folsom?
No. California bans credit scoring per Prop 103.
Do I need comprehensive in Folsom?
Yes — essential for wildfire smoke, lake flooding, and hail.
Are there red light cameras?
No. Folsom does not use traffic cameras.
Cheapest insurance in Folsom?
GEICO and Progressive for clean records; Tesla owners check specialty EV rates.

Expert Recommendations for Folsom Drivers

Coverage & Savings Tips

  • Get your Folsom personalized quote in under 2 minutes.
  • Bundle auto + home for up to 28% savings.
  • Add comprehensive for smoke, hail, and lake flood protection.
  • Intel employees: Check employer discounts.
  • Clean record = maximum good driver discount.
  • Avoid small claims under $900.
  • Telematics for safe driving rewards — up to 45% off.
  • Free quote today — no obligation.

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Overall Risk Assessment

Low-Moderate overall; 30% below CA average due to affluent, low-crime, tech-savvy drivers. Elevated only by US-50 and lake recreation. Annual full coverage $1,783.

Last Updated: 2025-11-07