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Marysville Auto Insurance 2025

Historic Gold Rush town with rates up to $1080 below Sacramento
Sacramento Valley Elevation 63 ft Population Pop. 13,000
$1,820
Avg. Full Coverage
28%
Below State Avg
26min
Avg. Commute
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$1,820 Avg. Annual Full Coverage
$152 Monthly Premium (Clean Record)
28% Below CA Average
$77 Monthly Liability Only
26 min Average Commute Time
Excellent News for Marysville Residents!
Marysville's auto insurance rates are 28% below CA average of $2,532/year. With comprehensive coverage averaging just $1,820 annually, you're saving $712/year compared to the typical CA driver.

Marysville Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $712/year with smart coverage.

Weather & Environmental Risk Factors

High Risk Level — Low-Moderate (smoke transport)

Valley fog, heat, and high flood risk from Feather/Yuba Rivers. Annual rainfall 24 inches.

Annual Weather Data

Thunderstorm Days 6 per year
Annual Rainfall 24 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • South Marysville
  • Olivehurst

Peak Risk Months

Flood Risk:

December January February

Wildfire Risk:

N/A (smoke only)

Common Weather-Related Claims

Flooded undercarriage in low areas

Coverage: Comprehensive

Fog crashes on CA-70

Coverage: Comprehensive

Hail on ag vehicles

Coverage: Comprehensive

Heat tire damage

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Avoid flooded 10th St underpass
  • Fog lights; 35 mph in dense fog

Wildfire Season

  • Increase following distance to 6 seconds
  • Recirculate air during smoke
Data Sources: NOAA NWS Sacramento, Yuba County OES 2025

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Accident Risk Analysis

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

CA-70 truck route. At-fault rate 13.0%. Rural intersections and ag equipment.

Key Statistics

At-Fault Rate (Marysville) 13%
National Average 12%
Commuter-Related Crashes 40%
Tourist-Related Crashes 8%

Premium Impact

Monthly Liability (Clean Record) $77
Monthly Full Coverage (Clean) $152
Annual Full Coverage $1,820
Savings vs. CA Average 28% lower

Common Accident Types

Truck rear-end on CA-70

Intersection at 10th & E St

Tractor on rural roads

Run-off-road in fog

High-Risk Intersections

Drive with Extra Caution at These Locations:

CA-70 & 10th St

CA-70 & Ramirez St

E St & 12th St

Peak Accident Months

November December January
Data Sources: CHP SWITRS 2023–2025, Marysville PD

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Theft & Property Crime Risk

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

Moderate. Theft 2.3 per 1,000. Downtown and ag lots.

Crime Statistics

Motor Vehicle Theft Rate 2.3 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 13.2 per 1,000
Burglary Rate 380 per 100,000
Violent Crime Rate 4.1 per 1,000
Theft Increase (2023-2025) +14%

Most Stolen Vehicles in Marysville

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

High Theft Zones

Exercise Extra Caution in These Areas:

Downtown parking

Ag processing plants

Walmart lot

Recommended Anti-Theft Measures

GPS tracking for work trucks

Alarm systems

Secure parking

Data Sources: Marysville PD 2024, FBI UCR

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Seasonal Driving Risks in Marysville

❄️

Winter

Fog, flooding

🌸

Spring

Pollen, construction

☀️

Summer

Heat, smoke

🍂

Fall

Harvest, early dark

🍂

Source

CAL FIRE

Source: CAL FIRE

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Claims Trends & Payouts in Marysville

Claim Distribution

Comprehensive32%
Collision58%
Liability10%

Average Payouts

Comprehensive$4,500
Collision$6,100

Notable Trends

Smoke Damage Claims +150% (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

Marysville Location & Geography

Historic Gold Rush river town on the Feather River. County seat with downtown charm, Bok Kai Temple, and ag processing. Flood-prone lowlands.

City
Marysville
State
CA (CA)
ZIP Codes
95901
County
Yuba County
Region
Sacramento Valley
Population
13,000
Growth Rate (2020-2025)
1.1%
Land Area
9.8 sq miles
Population Density
1,327 per sq mi
Elevation
63 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Yuba City-Marysville, CA MSA

Major Roadways

CA-70

CA-20

10th St

E St

Hwy 20 Business

Insurance Cost Comparison

Coverage Type Marysville Average California Average National Average Your Savings
Full Coverage $1,820/year $2,532/year $2,030/year 28% lower

Demographics & Driving Behavior

Median age 40. 20% drivers 16–24. DUI 2.8 per 1,000.

Age Demographics

Median Age (Marysville) 40
U.S. Median Age 38.8
Drivers Aged 16-24 20%

DUI & Violations

DUI Rate (Marysville) 2.8 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +80%
Speeding (15+ mph) +25%
At-Fault Accident +45%

Frequently Asked Questions

Credit in Marysville?
No. CA bans credit.
Comprehensive needed?
Yes — critical for flood and fog.
Cameras?
No.
Cheapest?
GEICO, Progressive.

Expert Recommendations for Marysville Drivers

Coverage & Savings Tips

  • Get your Marysville quote in under 2 minutes.
  • Bundle auto + home for up to 25% savings.
  • Add comprehensive for flood and fog protection.
  • Ag operators: Commercial add-ons.
  • Clean record = max discount.
  • Avoid small claims under $800.
  • Telematics for 40% off.

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Overall Risk Assessment

Moderate-High overall; 28% below CA average due to rural setting but elevated by CA-70, fog, and flood risk. Annual full coverage $1,820.

Last Updated: 2025-11-07