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Jackson Auto Insurance 2025

Historic Gold Rush town with rates up to $1137 below Sacramento
Sierra Nevada Foothills Elevation 1,217 ft Population Pop. 5,100
$1,763
Avg. Full Coverage
30%
Below State Avg
36min
Avg. Commute
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$1,763 Avg. Annual Full Coverage
$147 Monthly Premium (Clean Record)
30% Below CA Average
$72 Monthly Liability Only
36 min Average Commute Time
Excellent News for Jackson Residents!
Jackson's auto insurance rates are 30% below CA average of $2,532/year. With comprehensive coverage averaging just $1,763 annually, you're saving $769/year compared to the typical CA driver.

Jackson Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $769/year with smart coverage.

Weather & Environmental Risk Factors

High Risk Level — Very High (WUI community)

High wildfire risk, occasional snow at elevation, dense smoke. Annual rainfall 34 inches.

Annual Weather Data

Thunderstorm Days 11 per year
Annual Rainfall 34 inches
Annual Snowfall 6 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Jackson
  • Sutter Creek
  • Pine Grove

Peak Risk Months

Flood Risk:

January February March

Wildfire Risk:

July August September October

Common Weather-Related Claims

Wildfire smoke damage

Coverage: Comprehensive

Hydroplaning on CA-49

Coverage: Collision

Hail/falling oak limbs

Coverage: Comprehensive

Snow damage on roofs/vehicles

Coverage: Collision

Ash on paint and HVAC

Coverage: Comprehensive

Weather Driving Safety Advice

Winter Preparation

  • Snow tires Nov–Mar
  • Monitor chain controls on CA-88

Wildfire Season

  • Avoid smoke driving
  • Increase rain following distance

General Safety

  • Wildfire evacuation kit in car
Data Sources: NOAA, CAL FIRE 2025

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Accident Risk Analysis

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

CA-49 curves, tourist traffic. At-fault rate 11.5%. Deer and run-off-road.

Key Statistics

At-Fault Rate (Jackson) 11.5%
National Average 12%
Commuter-Related Crashes 25%
Tourist-Related Crashes 25%

Premium Impact

Monthly Liability (Clean Record) $72
Monthly Full Coverage (Clean) $147
Annual Full Coverage $1,763
Savings vs. CA Average 30% lower

Common Accident Types

Run-off-road on CA-49

Tourist rear-end in town

Deer on CA-88

Intersection at Sutter & Broadway

High-Risk Intersections

Drive with Extra Caution at These Locations:

CA-49 & CA-88

CA-49 & Sutter St

Broadway & Court St

Peak Accident Months

August October December
Data Sources: CHP SWITRS 2023–2025

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Theft & Property Crime Risk

Low Risk Level — Motor vehicle theft rate...

Very low. Theft 1.0 per 1,000.

Crime Statistics

Motor Vehicle Theft Rate 1 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 7.5 per 1,000
Burglary Rate 210 per 100,000
Violent Crime Rate 2.3 per 1,000
Theft Increase (2023-2025) +2%

Most Stolen Vehicles in Jackson

  1. Ford F-150
  2. Chevy Silverado
  3. Toyota Tacoma

High Theft Zones

Exercise Extra Caution in These Areas:

Downtown parking

Casino lots (nearby)

Recommended Anti-Theft Measures

Garage parking

Remove valuables

Motion lights

Data Sources: Jackson PD 2024

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Seasonal Driving Risks in Jackson

❄️

Winter

Snow, ice

🌸

Spring

Rockslides

☀️

Summer

Wildfire smoke

🍂

Fall

Deer, tourism

🍂

Source

CAL FIRE

Source: CAL FIRE

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Claims Trends & Payouts in Jackson

Claim Distribution

Comprehensive40%
Collision50%
Liability10%

Average Payouts

Comprehensive$5,300
Collision$6,500

Notable Trends

Smoke Damage Claims +240% (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

Jackson Location & Geography

Amador County seat and historic Gold Rush hub. Known for Kennedy Tailing Wheels, wineries, and as gateway to Shenandoah Valley wine country.

City
Jackson
State
CA (CA)
ZIP Codes
95642
County
Amador County
Region
Sierra Nevada Foothills
Population
5,100
Growth Rate (2020-2025)
0.7%
Land Area
3.7 sq miles
Population Density
1,378 per sq mi
Elevation
1,217 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

CA-49

CA-88

Sutter St

Broadway

Court St

Insurance Cost Comparison

Coverage Type Jackson Average California Average National Average Your Savings
Full Coverage $1,763/year $2,532/year $2,030/year 30% lower

Demographics & Driving Behavior

Median age 51. 11% drivers 16–24. DUI 1.6 per 1,000.

Age Demographics

Median Age (Jackson) 51
U.S. Median Age 38.8
Drivers Aged 16-24 11%

DUI & Violations

DUI Rate (Jackson) 1.6 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 Jackson?
No. CA bans credit.
Comprehensive needed?
Yes — for wildfire and deer.
Cameras?
No.
Cheapest?
GEICO, Progressive.

Expert Recommendations for Jackson Drivers

Coverage & Savings Tips

  • Get your Jackson quote now.
  • Bundle for 28% savings.
  • Add comprehensive for wildfire.
  • Clean record = max discount.
  • Avoid small claims.
  • Telematics for 40% off.

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Overall Risk Assessment

Low overall; 30% below CA average due to low crime, mature drivers, and low density. Elevated only by wildfire and tourism. Annual full coverage $1,763.

Last Updated: 2025-11-07