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La Riviera Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $965 less every year
Sacramento Valley Elevation 52 ft Population Pop. 10,800
$1,935
Avg. Full Coverage
24%
Below State Avg
24min
Avg. Commute
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$1,935 Avg. Annual Full Coverage
$161 Monthly Premium (Clean Record)
24% Below CA Average
$82 Monthly Liability Only
24 min Average Commute Time
Excellent News for La Riviera Residents!
La Riviera's auto insurance rates are 24% below CA average of $2,532/year. With comprehensive coverage averaging just $1,935 annually, you're saving $597/year compared to the typical CA driver.

La Riviera Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $597/year with smart coverage.

Weather & Environmental Risk Factors

Moderate Risk Level — Low (urban core, smoke transport only)

Urban valley with tule fog, heat, and occasional river flooding. Annual rainfall 19 inches.

Annual Weather Data

Thunderstorm Days 6 per year
Annual Rainfall 19 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • None (urban fire response)

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

N/A (smoke only)

Common Weather-Related Claims

Fog-related rear-end on US-50

Coverage: Collision

Hail from rare storms

Coverage: Comprehensive

Flooded undercarriage near river trails

Coverage: Comprehensive

Heat-related tire damage

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

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

Wildfire Season

  • Avoid flooded low spots on La Riviera Dr
  • Recirculate air during smoke events
Data Sources: NOAA NWS Sacramento, Sacramento County OES 2025

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Accident Risk Analysis

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

Heavy US-50 commuter traffic. At-fault rate 13.8%. Dense apartment parking increases fender-benders.

Key Statistics

At-Fault Rate (La Riviera) 13.8%
National Average 12%
Commuter-Related Crashes 45%
Tourist-Related Crashes 5%

Premium Impact

Monthly Liability (Clean Record) $82
Monthly Full Coverage (Clean) $161
Annual Full Coverage $1,935
Savings vs. CA Average 24% lower

Common Accident Types

Rear-end on US-50 (rush hours)

Parking lot collisions in apartments

Intersection crashes at Folsom & Watt

Distracted driving near CSUS

High-Risk Intersections

Drive with Extra Caution at These Locations:

US-50 & La Riviera Dr

Folsom Blvd & Watt Ave

Bradshaw Rd & Kiefer Blvd

Peak Accident Months

January August December
Data Sources: CHP SWITRS 2023–2025, SacRT, Caltrans PeMS

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Theft & Property Crime Risk

High Risk Level — Motor vehicle theft rate...

Moderate-high. Vehicle theft 2.8 per 1,000. High due to apartment density.

Crime Statistics

Motor Vehicle Theft Rate 2.8 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 14.5 per 1,000
Burglary Rate 420 per 100,000
Violent Crime Rate 4.2 per 1,000
Theft Increase (2023-2025) +18%

Most Stolen Vehicles in La Riviera

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

High Theft Zones

Exercise Extra Caution in These Areas:

Apartment complexes off La Riviera Dr

Light rail park-and-ride lots

Shopping centers on Folsom Blvd

Recommended Anti-Theft Measures

Covered/garage parking (if available)

Steering wheel lock

Remove valuables from sight

GPS tracking (AirTag)

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

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Seasonal Driving Risks in La Riviera

❄️

Winter

Tule fog, river flooding

🌸

Spring

Pollen, construction

☀️

Summer

Heat, smoke

🍂

Fall

Early darkness, deer

🍂

Source

NWS, CAL FIRE

Source: NWS, CAL FIRE

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Claims Trends & Payouts in La Riviera

Claim Distribution

Comprehensive30%
Collision60%
Liability10%

Average Payouts

Comprehensive$4,600
Collision$6,200

Notable Trends

Smoke Damage Claims +140% (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 until 18
DUI BAC Limit0.08%
Move Over LawYes

Local Enforcement

Red Light CamerasYes (at select US-50 ramps)
Speed CamerasNo
Source: CA DMV, Sac County Code

La Riviera Location & Geography

Established suburban CDP east of Sacramento along US-50. Diverse, middle-class community near American River, CSUS, and light rail. Known for apartment complexes and tree-lined streets.

City
La Riviera
State
CA (CA)
ZIP Codes
95826, 95827
County
Sacramento County
Region
Sacramento Valley
Population
10,800
Growth Rate (2020-2025)
0.7%
Land Area
2.1 sq miles
Population Density
5,143 per sq mi
Elevation
52 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

US-50

La Riviera Dr

Folsom Blvd

Watt Ave

Bradshaw Rd

Insurance Cost Comparison

Coverage Type La Riviera Average California Average National Average Your Savings
Full Coverage $0/year $2,532/year $2,030/year 24% lower

Demographics & Driving Behavior

Median age 38. 22% drivers 16–24. DUI rate 2.9 per 1,000.

Age Demographics

Median Age (La Riviera) 38
U.S. Median Age 38.8
Drivers Aged 16-24 22%

DUI & Violations

DUI Rate (La Riviera) 2.9 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +78%
Speeding (15+ mph) +26%
At-Fault Accident +46%

Frequently Asked Questions

Credit in La Riviera?
No. CA bans credit.
Comprehensive needed?
Yes — for fog, flood, and theft.
Red light cameras?
Yes, at select US-50 ramps.
Cheapest?
GEICO, Progressive for clean records.

Expert Recommendations for La Riviera Drivers

Coverage & Savings Tips

  • Get your La Riviera quote in under 2 minutes.
  • Bundle auto + renters for up to 25% savings.
  • Add comprehensive for fog and flood protection.
  • Apartment dwellers: Ask about theft coverage.
  • Clean record = max discount.
  • Avoid small claims under $800.
  • Telematics for 40% off.

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Overall Risk Assessment

Moderate-High overall; 24% below CA average due to light rail access and short commutes. Elevated by US-50, fog, and apartment theft. Annual full coverage $1,935.

Last Updated: 2025-11-07