(916) 365-4988 Get Free Quote

Oroville Auto Insurance 2025

Historic Gold Rush town with rates up to $1110 below Sacramento
Sacramento Valley Foothills Elevation 243 ft Population Pop. 16,000
$1,790
Avg. Full Coverage
29%
Below State Avg
24min
Avg. Commute
Get Free Quote - Save $750

Compare 10+ top carriers • Oroville-specific rates • Zero spam

$1,790 Avg. Annual Full Coverage
$149 Monthly Premium (Clean Record)
29% Below CA Average
$75 Monthly Liability Only
24 min Average Commute Time
Excellent News for Oroville Residents!
Oroville's auto insurance rates are 29% below CA average of $2,532/year. With comprehensive coverage averaging just $1,790 annually, you're saving $742/year compared to the typical CA driver.

Oroville Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $742/year with smart coverage.

Weather & Environmental Risk Factors

Very High Risk Level — High (WUI with chaparral)

High flood and wildfire risk. Dense fog, heat. Annual rainfall 32 inches.

Annual Weather Data

Thunderstorm Days 9 per year
Annual Rainfall 32 inches
Annual Snowfall 1 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Oroville
  • Thermalito
  • South Oroville

Peak Risk Months

Flood Risk:

December January February

Wildfire Risk:

July August September

Common Weather-Related Claims

Flood damage (comprehensive)

Coverage: Comprehensive

Wildfire smoke

Coverage: Comprehensive

Fog crashes on CA-70

Coverage: Comprehensive

Hail on vehicles

Coverage: Comprehensive

Weather Driving Safety Advice

Winter Preparation

  • Avoid flooded Oro Dam Blvd
  • Snow tires for higher areas

Wildfire Season

  • Evacuation kit in car
  • Fog lights; 35 mph
Data Sources: NOAA, CAL FIRE 2025, Butte OES

Protect your vehicle today. Get a free quote in 2 minutes.

Get Your Free Quote Now →

Accident Risk Analysis

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

CA-70 and rural roads. At-fault rate 12.5%.

Key Statistics

At-Fault Rate (Oroville) 12.5%
National Average 12%
Commuter-Related Crashes 35%
Tourist-Related Crashes 20%

Premium Impact

Monthly Liability (Clean Record) $75
Monthly Full Coverage (Clean) $149
Annual Full Coverage $1,790
Savings vs. CA Average 29% lower

Common Accident Types

Run-off-road on CA-70

Tourist at dam

Intersection at Oro Dam & Montgomery

High-Risk Intersections

Drive with Extra Caution at These Locations:

CA-70 & Oro Dam Blvd

CA-162 & Myers St

Montgomery St & Table Mountain Blvd

Peak Accident Months

February August
Data Sources: CHP SWITRS 2023–2025

Protect your vehicle today. Get a free quote in 2 minutes.

Get Your Free Quote Now →

Theft & Property Crime Risk

Moderate Risk Level — Motor vehicle theft rate...

Moderate. Theft 2.0 per 1,000.

Crime Statistics

Motor Vehicle Theft Rate 2 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 11.5 per 1,000
Burglary Rate 340 per 100,000
Violent Crime Rate 3.6 per 1,000
Theft Increase (2023-2025) +10%

Most Stolen Vehicles in Oroville

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

High Theft Zones

Exercise Extra Caution in These Areas:

Lake parking

Downtown

Walmart

Recommended Anti-Theft Measures

GPS tracking

Alarm

Data Sources: Oroville PD 2024

Protect your vehicle today. Get a free quote in 2 minutes.

Get Your Free Quote Now →

Seasonal Driving Risks in Oroville

❄️

Winter

Flood, fog

🌸

Spring

Spillway flow

☀️

Summer

Smoke, heat

🍂

Fall

Tourism, deer

🍂

Source

CAL FIRE

Source: CAL FIRE

Protect your vehicle today. Get a free quote in 2 minutes.

Get Your Free Quote Now →

Claims Trends & Payouts in Oroville

Claim Distribution

Comprehensive38%
Collision52%
Liability10%

Average Payouts

Comprehensive$5,100
Collision$6,400

Notable Trends

Smoke Damage Claims +210% (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

Oroville Location & Geography

Historic Gold Rush town below Lake Oroville Dam. Known for Feather River, fishing, and outdoor recreation. Flood and wildfire risk.

City
Oroville
State
CA (CA)
ZIP Codes
95965, 95966
County
Butte County
Region
Sacramento Valley Foothills
Population
16,000
Growth Rate (2020-2025)
1.4%
Land Area
13.9 sq miles
Population Density
1,151 per sq mi
Elevation
243 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Chico-Paradise, CA MSA

Major Roadways

CA-70

CA-162

Oro Dam Blvd

Montgomery St

Myers St

Insurance Cost Comparison

Coverage Type Oroville Average California Average National Average Your Savings
Full Coverage $0/year $2,532/year $2,030/year 29% lower

Demographics & Driving Behavior

Median age 41. 19% drivers 16–24. DUI 2.4 per 1,000.

Age Demographics

Median Age (Oroville) 41
U.S. Median Age 38.8
Drivers Aged 16-24 19%

DUI & Violations

DUI Rate (Oroville) 2.4 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +81%
Speeding (15+ mph) +24%
At-Fault Accident +43%

Frequently Asked Questions

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

Expert Recommendations for Oroville Drivers

Coverage & Savings Tips

  • Get your Oroville quote now.
  • Bundle for 28% savings.
  • Add comprehensive for flood and smoke.
  • Clean record = max discount.
  • Avoid small claims.
  • Telematics for 40% off.

Ready to Save on Auto Insurance in Oroville?

Get your personalized quote in under 2 minutes.

Get Free Quote Now

Overall Risk Assessment

Moderate-High overall; 29% below CA average due to rural safety but elevated by flood, wildfire, and tourism. Annual full coverage $1,790.

Last Updated: 2025-11-07