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Loomis Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1170 less every year
Sacramento Valley Foothills Elevation 400 ft Population Pop. 10,000
$1,730
Avg. Full Coverage
32%
Below State Avg
28min
Avg. Commute
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$1,730 Avg. Annual Full Coverage
$144 Monthly Premium (Clean Record)
32% Below CA Average
$71 Monthly Liability Only
28 min Average Commute Time
Excellent News for Loomis Residents!
Loomis's auto insurance rates are 32% below CA average of $2,532/year. With comprehensive coverage averaging just $1,730 annually, you're saving $802/year compared to the typical CA driver.

Loomis Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $802/year with smart coverage.

Weather & Environmental Risk Factors

Moderate-High Risk Level — High (WUI with orchards and oak)

Foothills with fog, heat, and wildfire smoke. Annual rainfall 30 inches.

Annual Weather Data

Thunderstorm Days 8 per year
Annual Rainfall 30 inches
Annual Snowfall 1 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Loomis Basin
  • Penryn
  • Newcastle

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

July August September

Common Weather-Related Claims

Fog crashes on I-80

Coverage: Comprehensive

Smoke damage

Coverage: Comprehensive

Falling oak branches

Coverage: Collision

Hail on farm vehicles

Coverage: Comprehensive

Weather Driving Safety Advice

Winter Preparation

  • Fog lights in winter
  • Increase following distance

Wildfire Season

  • Park under cover in wind
  • Recirculate air in smoke
Data Sources: NOAA, CAL FIRE 2025

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Accident Risk Analysis

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

I-80 and rural roads. At-fault rate 11.2%. Deer and orchard equipment.

Key Statistics

At-Fault Rate (Loomis) 11.2%
National Average 12%
Commuter-Related Crashes 35%
Tourist-Related Crashes 10%

Premium Impact

Monthly Liability (Clean Record) $71
Monthly Full Coverage (Clean) $144
Annual Full Coverage $1,730
Savings vs. CA Average 32% lower

Common Accident Types

Rear-end on I-80

Deer on Horseshoe Bar Rd

Tractor on Taylor Rd

Intersection at King & Laird

High-Risk Intersections

Drive with Extra Caution at These Locations:

I-80 & Horseshoe Bar Rd

Taylor Rd & King Rd

I-80 & Sierra College Blvd

Peak Accident Months

October December
Data Sources: CHP SWITRS 2023–2025

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Theft & Property Crime Risk

Low Risk Level — Motor vehicle theft rate...

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 7.2 per 1,000
Burglary Rate 200 per 100,000
Violent Crime Rate 2.1 per 1,000
Theft Increase (2023-2025) +2%

Most Stolen Vehicles in Loomis

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

High Theft Zones

Exercise Extra Caution in These Areas:

Train depot parking

Orchard worker lots

Recommended Anti-Theft Measures

Garage parking

GPS tracking

Data Sources: Placer Sheriff 2024

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Seasonal Driving Risks in Loomis

❄️

Winter

Fog, frost

🌸

Spring

Pollen, rockslides

☀️

Summer

Smoke, heat

🍂

Fall

Deer, harvest

🍂

Source

CAL FIRE

Source: CAL FIRE

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Claims Trends & Payouts in Loomis

Claim Distribution

Comprehensive36%
Collision54%
Liability10%

Average Payouts

Comprehensive$4,900
Collision$6,200

Notable Trends

Smoke Damage Claims +200% (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

Loomis Location & Geography

Small, fast-growing foothill town between Rocklin and Auburn. Known for fruit orchards, historic train depot, and rural-suburban mix. Excellent schools.

City
Loomis
State
CA (CA)
ZIP Codes
95650
County
Placer County
Region
Sacramento Valley Foothills
Population
10,000
Growth Rate (2020-2025)
8.1%
Land Area
7.3 sq miles
Population Density
1,370 per sq mi
Elevation
400 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

I-80

Horseshoe Bar Rd

Taylor Rd

King Rd

Laird Rd

Insurance Cost Comparison

Coverage Type Loomis Average California Average National Average Your Savings
Full Coverage $1,730/year $2,532/year $2,030/year 32% lower

Demographics & Driving Behavior

Median age 46. 15% drivers 16–24. DUI 1.7 per 1,000.

Age Demographics

Median Age (Loomis) 46
U.S. Median Age 38.8
Drivers Aged 16-24 15%

DUI & Violations

DUI Rate (Loomis) 1.7 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +83%
Speeding (15+ mph) +20%
At-Fault Accident +38%

Frequently Asked Questions

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

Expert Recommendations for Loomis Drivers

Coverage & Savings Tips

  • Get your Loomis quote now.
  • Bundle for 28% savings.
  • Add comprehensive for smoke and hail.
  • Clean record = max discount.
  • Avoid small claims.
  • Telematics for 45% off.

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Overall Risk Assessment

Low overall; 32% below CA average due to low density, low crime, mature drivers. Elevated only by I-80 and deer. Annual full coverage $1,730.

Last Updated: 2025-11-07