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Orangevale Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1140 less every year
Sacramento Valley Foothills Elevation 240 ft Population Pop. 35,000
$1,760
Avg. Full Coverage
30%
Below State Avg
28min
Avg. Commute
Get Free Quote - Save $775

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$1,760 Avg. Annual Full Coverage
$147 Monthly Premium (Clean Record)
30% Below CA Average
$73 Monthly Liability Only
28 min Average Commute Time
Excellent News for Orangevale Residents!
Orangevale's auto insurance rates are 30% below CA average of $2,532/year. With comprehensive coverage averaging just $1,760 annually, you're saving $772/year compared to the typical CA driver.

Orangevale Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $772/year with smart coverage.

Weather & Environmental Risk Factors

Moderate Risk Level — Moderate (WUI near river)

Foothills with fog, heat, wildfire smoke. Annual rainfall 28 inches.

Annual Weather Data

Thunderstorm Days 8 per year
Annual Rainfall 28 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Orangevale
  • Folsom Lake area

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

July August

Common Weather-Related Claims

Fog crashes on Hazel

Coverage: Comprehensive

Smoke damage

Coverage: Comprehensive

Hail rare

Coverage: Comprehensive

Oak branch fall

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Fog lights in winter

Wildfire Season

  • Increase following

General Safety

  • Recirculate in smoke
Data Sources: NOAA, CAL FIRE 2025

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Accident Risk Analysis

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

Hazel Ave and suburban streets. At-fault rate 11.5%.

Key Statistics

At-Fault Rate (Orangevale) 11.5%
National Average 12%
Commuter-Related Crashes 38%
Tourist-Related Crashes 12%

Premium Impact

Monthly Liability (Clean Record) $73
Monthly Full Coverage (Clean) $147
Annual Full Coverage $1,760
Savings vs. CA Average 30% lower

Common Accident Types

Rear-end on Hazel

School zone incidents

River trail parking

High-Risk Intersections

Drive with Extra Caution at These Locations:

Hazel Ave & Madison Ave

Hazel Ave & Oak Ave

Greenback Ln & Main Ave

Peak Accident Months

August December
Data Sources: CHP SWITRS 2023–2025

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Theft & Property Crime Risk

Low Risk Level — Motor vehicle theft rate...

Low. Theft 1.1 per 1,000.

Crime Statistics

Motor Vehicle Theft Rate 1.1 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 7.5 per 1,000
Burglary Rate 220 per 100,000
Violent Crime Rate 2.3 per 1,000
Theft Increase (2023-2025) +3%

Most Stolen Vehicles in Orangevale

  1. Ford F-150
  2. Toyota RAV4
  3. Honda CR-V

High Theft Zones

Exercise Extra Caution in These Areas:

River access parking

Shopping centers

Recommended Anti-Theft Measures

Garage parking

Remove valuables

Data Sources: Sacramento Sheriff 2024

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Seasonal Driving Risks in Orangevale

❄️

Winter

Fog

🌸

Spring

Pollen

☀️

Summer

Smoke, heat

🍂

Fall

Deer, early dark

🍂

Source

CAL FIRE

Source: CAL FIRE

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Claims Trends & Payouts in Orangevale

Claim Distribution

Comprehensive36%
Collision54%
Liability10%

Average Payouts

Comprehensive$4,900
Collision$6,300

Notable Trends

Smoke Damage Claims +190% (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

Orangevale Location & Geography

Established foothill suburb east of Citrus Heights. Family-oriented with parks, trails, and American River access. Low crime.

City
Orangevale
State
CA (CA)
ZIP Codes
95662
County
Sacramento County
Region
Sacramento Valley Foothills
Population
35,000
Growth Rate (2020-2025)
0.9%
Land Area
11.6 sq miles
Population Density
3,017 per sq mi
Elevation
240 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

Hazel Ave

Madison Ave

Oak Ave

Main Ave

Greenback Ln

Insurance Cost Comparison

Coverage Type Orangevale Average California Average National Average Your Savings
Full Coverage $1,760/year $2,532/year $2,030/year 30% lower

Demographics & Driving Behavior

Median age 44. 18% drivers 16–24. DUI 1.8 per 1,000.

Age Demographics

Median Age (Orangevale) 44
U.S. Median Age 38.8
Drivers Aged 16-24 18%

DUI & Violations

DUI Rate (Orangevale) 1.8 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +84%
Speeding (15+ mph) +21%
At-Fault Accident +39%

Frequently Asked Questions

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

Expert Recommendations for Orangevale Drivers

Coverage & Savings Tips

  • Get your Orangevale quote now.
  • Bundle for 28% savings.
  • Add comprehensive for smoke.
  • Family plans: Multi-car discount.
  • Clean record = max savings.
  • Avoid small claims.
  • Telematics for 45% off.

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Overall Risk Assessment

Low-Moderate overall; 30% below CA average due to low crime, family drivers, and safe roads. Annual full coverage $1,760.

Last Updated: 2025-11-07