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Paradise Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1170 less every year
Sierra Nevada Foothills Elevation 1,770 ft Population Pop. 12,000
$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
$72 Monthly Liability Only
28 min Average Commute Time
Excellent News for Paradise Residents!
Paradise'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.

Paradise Auto Insurance Risk Report 2025

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

Weather & Environmental Risk Factors

Very High Risk Level — Extreme (WUI, post-Camp Fire)

High wildfire risk, winter snow, pine debris. Annual rainfall 62 inches.

Annual Weather Data

Thunderstorm Days 12 per year
Annual Rainfall 62 inches
Annual Snowfall 15 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • All of Paradise
  • Magalia
  • Upper Ridge

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

July August September October

Common Weather-Related Claims

Wildfire smoke damage

Coverage: Comprehensive

Pine branch on vehicle

Coverage: Collision

Snow/ice skid

Coverage: Collision

Debris on Skyway

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Snow tires Nov–Mar
  • Clear pine needles from wipers

Wildfire Season

  • Evacuation go-bag in trunk
  • Recirculate during smoke
Data Sources: CAL FIRE, NOAA 2025

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Accident Risk Analysis

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

Skyway two-lane mountain road. At-fault rate 11.8%.

Key Statistics

At-Fault Rate (Paradise) 11.8%
National Average 12%
Commuter-Related Crashes 32%
Tourist-Related Crashes 15%

Premium Impact

Monthly Liability (Clean Record) $72
Monthly Full Coverage (Clean) $144
Annual Full Coverage $1,730
Savings vs. CA Average 32% lower

Common Accident Types

Run-off-road on Skyway

Debris collision

Rear-end at Clark & Skyway

Snow/ice skid

High-Risk Intersections

Drive with Extra Caution at These Locations:

Skyway & Clark Rd

Skyway & Pearson Rd

Clark Rd & Wagstaff Rd

Peak Accident Months

December August
Data Sources: CHP SWITRS 2023–2025

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Theft & Property Crime Risk

Low Risk Level — Motor vehicle theft rate...

Low. Theft 0.9 per 1,000.

Crime Statistics

Motor Vehicle Theft Rate 0.9 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 6.8 per 1,000
Burglary Rate 180 per 100,000
Violent Crime Rate 2 per 1,000
Theft Increase (2023-2025) +-5%

Most Stolen Vehicles in Paradise

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

High Theft Zones

Exercise Extra Caution in These Areas:

Walmart lot

Downtown

Recommended Anti-Theft Measures

Garage parking

Remove valuables

Data Sources: Paradise PD 2024

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Seasonal Driving Risks in Paradise

❄️

Winter

Snow, ice, debris

🌸

Spring

Mudslides

☀️

Summer

Wildfire, smoke

🍂

Fall

Pine needles, deer

🍂

Source

CAL FIRE

Source: CAL FIRE

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Claims Trends & Payouts in Paradise

Claim Distribution

Comprehensive42%
Collision48%
Liability10%

Average Payouts

Comprehensive$5,200
Collision$6,500

Notable Trends

Smoke Damage Claims +250% (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

Paradise Location & Geography

Rebuilt mountain town post-2018 Camp Fire. Pine forest, steep terrain, strong wildfire recovery. High WUI risk.

City
Paradise
State
CA (CA)
ZIP Codes
95969
County
Butte County
Region
Sierra Nevada Foothills
Population
12,000
Growth Rate (2020-2025)
3.8%
Land Area
18.3 sq miles
Population Density
656 per sq mi
Elevation
1,770 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Chico-Paradise, CA MSA

Major Roadways

Skyway

Clark Rd

Pearson Rd

Pentecost Dr

CA-191

Insurance Cost Comparison

Coverage Type Paradise 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 52. 12% drivers 16–24. DUI 1.6 per 1,000.

Age Demographics

Median Age (Paradise) 52
U.S. Median Age 38.8
Drivers Aged 16-24 12%

DUI & Violations

DUI Rate (Paradise) 1.6 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +85%
Speeding (15+ mph) +19%
At-Fault Accident +37%

Frequently Asked Questions

Credit in Paradise?
No. CA bans credit.
Comprehensive needed?
Yes — essential for wildfire and debris.
Cameras?
No.
Cheapest?
GEICO, Progressive, Allstate.

Expert Recommendations for Paradise Drivers

Coverage & Savings Tips

  • Get your Paradise quote now.
  • Bundle for 30% savings.
  • Add comprehensive for smoke and debris.
  • Mature driver discount available.
  • Clean record = max savings.
  • Avoid small claims.
  • Telematics for 45% off.

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Overall Risk Assessment

Moderate overall; 32% below CA average due to low crime and mature drivers. Elevated by wildfire, Skyway, and snow. Annual full coverage $1,730.

Last Updated: 2025-11-07