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Ione Auto Insurance 2025

Historic Gold Rush town with rates up to $1159 below Sacramento
Sierra Nevada Foothills Elevation 299 ft Population Pop. 7,900
$1,741
Avg. Full Coverage
31%
Below State Avg
34min
Avg. Commute
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$1,741 Avg. Annual Full Coverage
$145 Monthly Premium (Clean Record)
31% Below CA Average
$70 Monthly Liability Only
34 min Average Commute Time
Excellent News for Ione Residents!
Ione's auto insurance rates are 31% below CA average of $2,532/year. With comprehensive coverage averaging just $1,741 annually, you're saving $791/year compared to the typical CA driver.

Ione Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $791/year with smart coverage.

Weather & Environmental Risk Factors

High Risk Level — High (dense oak and chaparral)

Foothills with high wildfire risk, occasional snow, and smoke. Annual rainfall 32 inches.

Annual Weather Data

Thunderstorm Days 10 per year
Annual Rainfall 32 inches
Annual Snowfall 3 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Ione
  • Sunnybrook
  • Carbondale

Peak Risk Months

Flood Risk:

January February March

Wildfire Risk:

July August September October

Common Weather-Related Claims

Wildfire smoke damage (comprehensive)

Coverage: Comprehensive

Hydroplaning on CA-88 curves

Coverage: Collision

Hail or falling branches

Coverage: Comprehensive

Snow/ice on higher roads

Coverage: Collision

Ash fallout on paint

Coverage: Comprehensive

Weather Driving Safety Advice

Winter Preparation

  • Snow tires for winter (Nov–Mar)
  • Monitor Caltrans for CA-88 chain controls

Wildfire Season

  • Avoid driving in heavy smoke
  • Increase following distance in rain to 5 seconds

General Safety

  • Keep wildfire go-bag in vehicle
  • Use headlights in fog/smoke
Data Sources: NOAA NWS Sacramento, CAL FIRE 2025, Amador County OEM

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Accident Risk Analysis

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

Rural roads, CA-88 curves. At-fault rate 11%. Deer and run-off-road common.

Key Statistics

At-Fault Rate (Ione) 11%
National Average 12%
Commuter-Related Crashes 22%
Tourist-Related Crashes 18%

Premium Impact

Monthly Liability (Clean Record) $70
Monthly Full Coverage (Clean) $145
Annual Full Coverage $1,741
Savings vs. CA Average 31% lower

Common Accident Types

Deer collisions on CA-124

Run-off-road on CA-88 curves

Intersection crashes at Preston Ave

Single-vehicle rollover on hills

High-Risk Intersections

Drive with Extra Caution at These Locations:

CA-88 & CA-124

CA-124 & Ione Rd

Preston Ave & Church St

Peak Accident Months

October November December
Data Sources: CHP SWITRS 2023–2025, Amador County Sheriff

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Theft & Property Crime Risk

Low Risk Level — Motor vehicle theft rate...

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 7.9 per 1,000
Burglary Rate 240 per 100,000
Violent Crime Rate 2.5 per 1,000
Theft Increase (2023-2025) +4%

Most Stolen Vehicles in Ione

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

High Theft Zones

Exercise Extra Caution in These Areas:

Preston Castle parking

Downtown Ione

Vineyard worker lots

Recommended Anti-Theft Measures

Garage parking

Motion lighting

Remove valuables

GPS tracking

Data Sources: Ione PD 2024, FBI UCR 2023

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Seasonal Driving Risks in Ione

❄️

Winter

Snow, black ice

🌸

Spring

Flooding, rockslides

☀️

Summer

Wildfire smoke

🍂

Fall

Deer, early dark

🍂

Source

CAL FIRE

Source: CAL FIRE

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Claims Trends & Payouts in Ione

Claim Distribution

Comprehensive38%
Collision52%
Liability10%

Average Payouts

Comprehensive$5,100
Collision$6,300

Notable Trends

Smoke Damage Claims +220% (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

Ione Location & Geography

Historic Gold Rush town in Amador County, home to Preston Castle and Mule Creek State Prison. Surrounded by vineyards and rolling foothills.

City
Ione
State
CA (CA)
ZIP Codes
95640
County
Amador County
Region
Sierra Nevada Foothills
Population
7,900
Growth Rate (2020-2025)
0.5%
Land Area
4.6 sq miles
Population Density
1,717 per sq mi
Elevation
299 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

CA-124

CA-88

Ione Rd

Preston Ave

Church St

Insurance Cost Comparison

Coverage Type Ione Average California Average National Average Your Savings
Full Coverage $1,741/year $2,532/year $2,030/year 31% lower

Demographics & Driving Behavior

Median age 48. 13% drivers 16–24. DUI 1.8 per 1,000.

Age Demographics

Median Age (Ione) 48
U.S. Median Age 38.8
Drivers Aged 16-24 13%

DUI & Violations

DUI Rate (Ione) 1.8 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +82%
Speeding (15+ mph) +22%
At-Fault Accident +40%

Frequently Asked Questions

Credit in Ione?
No. CA bans credit.
Comprehensive needed?
Yes — for wildfire smoke and deer.
Cameras?
No.
Cheapest?
GEICO, Progressive.

Expert Recommendations for Ione Drivers

Coverage & Savings Tips

  • Get your Ione quote in under 2 minutes.
  • Bundle for 28% savings.
  • Add comprehensive for wildfire and hail.
  • Clean record = max savings.
  • Avoid small claims.
  • Telematics for 40% off.

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Overall Risk Assessment

Low overall; 31% below CA average due to low density, low crime, mature drivers. Elevated only by wildfire and rural roads. Annual full coverage $1,741.

Last Updated: 2025-11-07