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North Highlands Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $955 less every year
Sacramento Valley Elevation 95 ft Population Pop. 47,000
$1,945
Avg. Full Coverage
23%
Below State Avg
26min
Avg. Commute
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$1,945 Avg. Annual Full Coverage
$162 Monthly Premium (Clean Record)
23% Below CA Average
$83 Monthly Liability Only
26 min Average Commute Time
Excellent News for North Highlands Residents!
North Highlands's auto insurance rates are 23% below CA average of $2,532/year. With comprehensive coverage averaging just $1,945 annually, you're saving $587/year compared to the typical CA driver.

North Highlands Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $587/year with smart coverage.

Weather & Environmental Risk Factors

Moderate Risk Level — Low (smoke only)

Urban valley fog, heat. Annual rainfall 18 inches.

Annual Weather Data

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

Wildfire Evacuation Zones

  • None

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

N/A

Common Weather-Related Claims

Fog crashes on I-80

Coverage: Comprehensive

Hail rare

Coverage: Comprehensive

Heat tire damage

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Fog lights; 35 mph in fog

Wildfire Season

  • 6 second following

General Safety

  • Recirculate in smoke
Data Sources: NOAA, Sacramento OES

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Accident Risk Analysis

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

I-80 and dense local traffic. At-fault rate 14.2%.

Key Statistics

At-Fault Rate (North Highlands) 14.2%
National Average 12%
Commuter-Related Crashes 48%
Tourist-Related Crashes 4%

Premium Impact

Monthly Liability (Clean Record) $83
Monthly Full Coverage (Clean) $162
Annual Full Coverage $1,945
Savings vs. CA Average 23% lower

Common Accident Types

Rear-end on I-80

Apartment lot collisions

Intersection at Walerga & Elkhorn

High-Risk Intersections

Drive with Extra Caution at These Locations:

I-80 & Walerga Rd

Elkhorn Blvd & Watt Ave

Hillsdale Blvd & Andrea Blvd

Peak Accident Months

January December
Data Sources: CHP SWITRS 2023–2025

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Theft & Property Crime Risk

Very High Risk Level — Motor vehicle theft rate...

Very High. Theft 3.8 per 1,000. Dense apartments.

Crime Statistics

Motor Vehicle Theft Rate 3.8 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 17.2 per 1,000
Burglary Rate 520 per 100,000
Violent Crime Rate 5.1 per 1,000
Theft Increase (2023-2025) +25%

Most Stolen Vehicles in North Highlands

  1. Honda Civic
  2. Toyota Camry
  3. Honda Accord
  4. Kia Optima

High Theft Zones

Exercise Extra Caution in These Areas:

Apartment complexes

McClellan Park

Walmart lot

Recommended Anti-Theft Measures

Steering lock

Alarm + GPS

Covered parking

Data Sources: Sacramento Sheriff 2024

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Seasonal Driving Risks in North Highlands

❄️

Winter

Fog

🌸

Spring

Pollen

☀️

Summer

Heat

🍂

Fall

Early dark

🍂

Source

NWS

Source: NWS

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Claims Trends & Payouts in North Highlands

Claim Distribution

Comprehensive34%
Collision58%
Liability8%

Average Payouts

Comprehensive$4,700
Collision$6,200

Notable Trends

Smoke Damage Claims +160% (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

North Highlands Location & Geography

Dense, working-class suburb north of Sacramento. High apartment density, near McClellan Park and aerospace jobs.

City
North Highlands
State
CA (CA)
ZIP Codes
95660
County
Sacramento County
Region
Sacramento Valley
Population
47,000
Growth Rate (2020-2025)
0.5%
Land Area
8.8 sq miles
Population Density
5,341 per sq mi
Elevation
95 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

I-80

Walerga Rd

Elkhorn Blvd

Watt Ave

Hillsdale Blvd

Insurance Cost Comparison

Coverage Type North Highlands Average California Average National Average Your Savings
Full Coverage $0/year $2,532/year $2,030/year 23% lower

Demographics & Driving Behavior

Median age 34. 26% drivers 16–24. DUI 3.1 per 1,000.

Age Demographics

Median Age (North Highlands) 34
U.S. Median Age 38.8
Drivers Aged 16-24 26%

DUI & Violations

DUI Rate (North Highlands) 3.1 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +83%
Speeding (15+ mph) +28%
At-Fault Accident +48%

Frequently Asked Questions

Credit in North Highlands?
No. CA bans credit.
Comprehensive needed?
Yes — for theft and fog.
Cameras?
No.
Cheapest?
GEICO, Progressive.

Expert Recommendations for North Highlands Drivers

Coverage & Savings Tips

  • Get your North Highlands quote now.
  • Bundle auto + renters for 25% savings.
  • Add comprehensive for theft.
  • Apartment dwellers: High theft coverage.
  • Clean record = max discount.
  • Avoid small claims.
  • Telematics for 40% off.

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Overall Risk Assessment

High overall; 23% below CA average but elevated by I-80, fog, and very high theft. Annual full coverage $1,945.

Last Updated: 2025-11-07