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Lodi Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1035 less every year
Central Valley Elevation 49 ft Population Pop. 67,000
$1,865
Avg. Full Coverage
26%
Below State Avg
27min
Avg. Commute
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$1,865 Avg. Annual Full Coverage
$155 Monthly Premium (Clean Record)
26% Below CA Average
$78 Monthly Liability Only
27 min Average Commute Time
Excellent News for Lodi Residents!
Lodi's auto insurance rates are 26% below CA average of $2,532/year. With comprehensive coverage averaging just $1,865 annually, you're saving $667/year compared to the typical CA driver.

Lodi Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $667/year with smart coverage.

Weather & Environmental Risk Factors

Moderate-High Risk Level — Moderate (smoke from Delta fires)

Dense tule fog, heat, and wildfire smoke. Annual rainfall 18 inches.

Annual Weather Data

Thunderstorm Days 5 per year
Annual Rainfall 18 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • North Lodi
  • Woodbridge

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

July August

Common Weather-Related Claims

Fog pileups on CA-99

Coverage: Collision

Smoke damage

Coverage: Comprehensive

Hail on ag vehicles

Coverage: Comprehensive

Heat tire blowouts

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Fog lights; 35 mph in fog
  • 6+ second following in rain

Wildfire Season

  • Recirculate air in smoke
  • Avoid flooded vineyard roads
Data Sources: NOAA, CAL FIRE 2025

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Accident Risk Analysis

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

CA-99 truck corridor. At-fault rate 13.2%. Wine tourism and ag equipment.

Key Statistics

At-Fault Rate (Lodi) 13.2%
National Average 12%
Commuter-Related Crashes 42%
Tourist-Related Crashes 15%

Premium Impact

Monthly Liability (Clean Record) $78
Monthly Full Coverage (Clean) $155
Annual Full Coverage $1,865
Savings vs. CA Average 26% lower

Common Accident Types

Truck rear-end on CA-99

Wine tour parking incidents

Tractor collisions on Lower Sacramento Rd

Intersection at Kettleman & Ham

High-Risk Intersections

Drive with Extra Caution at These Locations:

CA-99 & Turner Rd

CA-99 & Lodi Ave

Kettleman Ln & Lower Sacramento Rd

Peak Accident Months

November December September
Data Sources: CHP SWITRS 2023–2025

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Theft & Property Crime Risk

Moderate-High Risk Level — Motor vehicle theft rate...

Moderate. Theft 2.1 per 1,000. Winery and warehouse hotspots.

Crime Statistics

Motor Vehicle Theft Rate 2.1 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 12.8 per 1,000
Burglary Rate 360 per 100,000
Violent Crime Rate 3.8 per 1,000
Theft Increase (2023-2025) +12%

Most Stolen Vehicles in Lodi

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

High Theft Zones

Exercise Extra Caution in These Areas:

Winery parking lots

Warehouse districts

Downtown Lodi

Recommended Anti-Theft Measures

GPS tracking for work trucks

Alarm systems

Secure winery parking

Data Sources: Lodi PD 2024, FBI UCR

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Seasonal Driving Risks in Lodi

❄️

Winter

Fog, flooding

🌸

Spring

Pollen, harvest prep

☀️

Summer

Smoke, heat

🍂

Fall

Harvest traffic, deer

🍂

Source

CAL FIRE

Source: CAL FIRE

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Claims Trends & Payouts in Lodi

Claim Distribution

Comprehensive29%
Collision61%
Liability10%

Average Payouts

Comprehensive$4,300
Collision$6,100

Notable Trends

Smoke Damage Claims +170% (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

Lodi Location & Geography

Wine country hub in the Delta. Known for Lodi Wine Trail, Zinfandel, and historic downtown. Major agribusiness and distribution center.

City
Lodi
State
CA (CA)
ZIP Codes
95240, 95242
County
San Joaquin County
Region
Central Valley
Population
67,000
Growth Rate (2020-2025)
2.1%
Land Area
13.8 sq miles
Population Density
4,855 per sq mi
Elevation
49 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Stockton-Lodi, CA MSA

Major Roadways

CA-99

CA-12

Lodi Ave

Kettleman Ln

Lower Sacramento Rd

Insurance Cost Comparison

Coverage Type Lodi Average California Average National Average Your Savings
Full Coverage $1,865/year $2,532/year $2,030/year 26% lower

Demographics & Driving Behavior

Median age 39. 20% drivers 16–24. DUI 2.6 per 1,000.

Age Demographics

Median Age (Lodi) 39
U.S. Median Age 38.8
Drivers Aged 16-24 20%

DUI & Violations

DUI Rate (Lodi) 2.6 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +80%
Speeding (15+ mph) +24%
At-Fault Accident +44%

Frequently Asked Questions

Credit in Lodi?
No. CA bans credit.
Comprehensive needed?
Yes — for fog, smoke, and hail.
Cameras?
No.
Cheapest?
GEICO, Progressive.

Expert Recommendations for Lodi Drivers

Coverage & Savings Tips

  • Get your Lodi quote now.
  • Bundle for 25% savings.
  • Add comprehensive for fog and smoke.
  • Ag operators: Commercial add-ons.
  • Clean record = max discount.
  • Avoid small claims.
  • Telematics for 40% off.

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Overall Risk Assessment

Moderate-High overall; 26% below CA average due to rural safety but elevated by CA-99, fog, and ag traffic. Annual full coverage $1,865.

Last Updated: 2025-11-07