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Granite Bay Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1200 less every year
Sacramento Valley Foothills Elevation 482 ft Population Pop. 23,000
$1,700
Avg. Full Coverage
33%
Below State Avg
28min
Avg. Commute
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$1,700 Avg. Annual Full Coverage
$142 Monthly Premium (Clean Record)
33% Below CA Average
$66 Monthly Liability Only
28 min Average Commute Time
Excellent News for Granite Bay Residents!
Granite Bay's auto insurance rates are 33% below CA average of $2,532/year. With comprehensive coverage averaging just $1,700 annually, you're saving $832/year compared to the typical CA driver.

Granite Bay Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $832/year with smart coverage.

Weather & Environmental Risk Factors

High Risk Level — Very High (WUI with dense oak and chaparral)

Foothills with high wildfire risk, occasional smoke, and rare snow. Proximity to Folsom Lake increases flood risk in low areas. Annual rainfall 32 inches.

Annual Weather Data

Thunderstorm Days 9 per year
Annual Rainfall 32 inches
Annual Snowfall 2 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Granite Bay
  • Los Lagos
  • Wedgewood
  • Treelake

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

July August September October

Common Weather-Related Claims

Wildfire smoke damage to paint/interior (comprehensive)

Coverage: Comprehensive

Hail on luxury vehicles

Coverage: Comprehensive

Falling oak branches in high wind

Coverage: Collision

Flooded undercarriage near lake access

Coverage: Comprehensive

Ash accumulation on HVAC filters

Coverage: Comprehensive

Weather Driving Safety Advice

Winter Preparation

  • Use snow tires for rare winter events (Dec–Feb)
  • Monitor Caltrans for I-80 chain controls

Wildfire Season

  • Avoid driving in heavy smoke; use recirculation
  • Increase following distance in rain ≥5 seconds

General Safety

  • Keep wildfire evacuation go-bag in trunk
  • Park in garage during wind/oak drop season
Data Sources: NOAA NWS Sacramento, CAL FIRE 2025, Placer County OES

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Accident Risk Analysis

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

Low density, affluent drivers. At-fault rate 10% (lowest in region). I-80 commuter crashes and deer main risks.

Key Statistics

At-Fault Rate (Granite Bay) 10%
National Average 12%
Commuter-Related Crashes 32%
Tourist-Related Crashes 10%

Premium Impact

Monthly Liability (Clean Record) $66
Monthly Full Coverage (Clean) $142
Annual Full Coverage $1,700
Savings vs. CA Average 33% lower

Common Accident Types

Rear-end collisions on I-80 (rush hours)

Deer strikes on Auburn Folsom Rd

Gated community gate damage

Distracted driving near Eureka schools

High-Risk Intersections

Drive with Extra Caution at These Locations:

I-80 & Douglas Blvd

Auburn Folsom Rd & Sierra College Blvd

Douglas Blvd & Barton Rd

Peak Accident Months

August December
Data Sources: CHP SWITRS 2023–2025, Placer County Sheriff, Caltrans PeMS

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Theft & Property Crime Risk

Very Low Risk Level — Motor vehicle theft rate...

Extremely low crime. Vehicle theft 0.9 per 1,000 (lowest in metro). Gated communities standard.

Crime Statistics

Motor Vehicle Theft Rate 0.9 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 6.8 per 1,000
Burglary Rate 180 per 100,000
Violent Crime Rate 1.8 per 1,000
Theft Increase (2023-2025) +1%

Most Stolen Vehicles in Granite Bay

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

High Theft Zones

Exercise Extra Caution in These Areas:

Folsom Lake public access parking

Granite Bay Pavilion shopping

Recommended Anti-Theft Measures

Garage parking (standard in Granite Bay)

Home security system integration

Built-in GPS tracking (Tesla, BMW)

Remove valuables from sight

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

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Seasonal Driving Risks in Granite Bay

❄️

Winter

Rare snow, oak branch fall

🌸

Spring

Pollen, rockslides near bluffs

☀️

Summer

Wildfire smoke, extreme heat

🍂

Fall

Deer activity, early darkness

🍂

Source

CAL FIRE, NWS Sacramento

Source: CAL FIRE, NWS Sacramento

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Claims Trends & Payouts in Granite Bay

Claim Distribution

Comprehensive42%
Collision48%
Liability10%

Average Payouts

Comprehensive$5,500
Collision$7,200

Notable Trends

Smoke Damage Claims +260% (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, Placer County Code

Granite Bay Location & Geography

Exclusive, affluent gated-community suburb east of Roseville. Known for Folsom Lake access, top-rated schools (Eureka USD), and high home values. Low crime, mature oak woodlands.

City
Granite Bay
State
CA (CA)
ZIP Codes
95746
County
Placer County
Region
Sacramento Valley Foothills
Population
23,000
Growth Rate (2020-2025)
1.6%
Land Area
21.6 sq miles
Population Density
1,065 per sq mi
Elevation
482 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

I-80

Douglas Blvd

Auburn Folsom Rd

Sierra College Blvd

Cavitt Stallman Rd

Insurance Cost Comparison

Coverage Type Granite Bay Average California Average National Average Your Savings
Full Coverage $0/year $2,532/year $2,030/year 33% lower

Demographics & Driving Behavior

Median age 48 (wealthy, mature). Only 12% drivers 16–24. DUI rate 1.4 per 1,000 (lowest in region). Credit banned in CA.

Age Demographics

Median Age (Granite Bay) 48
U.S. Median Age 38.8
Drivers Aged 16-24 12%

DUI & Violations

DUI Rate (Granite Bay) 1.4 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +88%
Speeding (15+ mph) +18%
At-Fault Accident +35%

Frequently Asked Questions

Is credit score used in Granite Bay?
No. California bans credit scoring in auto insurance per Prop 103.
Do I need comprehensive in Granite Bay?
Yes — essential for wildfire smoke, hail, and high-value vehicle protection.
Are red light cameras used?
No. Granite Bay has no traffic enforcement cameras.
What's the cheapest insurance in Granite Bay?
GEICO, Progressive, and Tesla Insurance for EV owners typically offer lowest rates.

Expert Recommendations for Granite Bay Drivers

Coverage & Savings Tips

  • Fill out our quick quote form to receive a personalized Granite Bay, CA rate.
  • Bundle auto + home/renters for up to 30% savings.
  • Add comprehensive coverage for wildfire smoke, hail, and oak debris.
  • High-value vehicle? Ask about agreed value policies.
  • Maintain clean record to maximize good driver discount.
  • Avoid small claims under $1,200 to preserve savings.
  • Get your free quote today — takes less than 2 minutes.
  • Consider telematics for safe driving rewards — up to 50% off.

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Overall Risk Assessment

Very Low overall; 33% below CA average due to affluent, low-crime, mature drivers, and gated communities. Only wildfire smoke is elevated. Annual full coverage $1,700 (vs CA avg $2,532).

Last Updated: 2025-11-07