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Placerville Auto Insurance 2025

Historic Gold Rush town with rates up to $1160 below Sacramento
Sierra Nevada Foothills Elevation 1,865 ft Population Pop. 11,000
$1,740
Avg. Full Coverage
31%
Below State Avg
30min
Avg. Commute
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$1,740 Avg. Annual Full Coverage
$145 Monthly Premium (Clean Record)
31% Below CA Average
$73 Monthly Liability Only
30 min Average Commute Time
Excellent News for Placerville Residents!
Placerville's auto insurance rates are 31% below CA average of $2,532/year. With comprehensive coverage averaging just $1,740 annually, you're saving $792/year compared to the typical CA driver.

Placerville Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $792/year with smart coverage.

Weather & Environmental Risk Factors

High Risk Level — High (WUI)

Snow, ice, wildfire smoke. Annual rainfall 40 inches.

Annual Weather Data

Thunderstorm Days 10 per year
Annual Rainfall 40 inches
Annual Snowfall 25 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Placerville
  • Camino
  • Pollock Pines

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

July August September

Common Weather-Related Claims

Snow/ice collision

Coverage: Collision

Smoke damage

Coverage: Comprehensive

Rockfall on US-50

Coverage: Collision

Chain damage

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Snow tires or chains Nov–Apr
  • Check Caltrans chain control

Wildfire Season

  • Increase following distance on ice
  • Recirculate in smoke
Data Sources: CAL FIRE, Caltrans 2025

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Accident Risk Analysis

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

US-50 mountain corridor. At-fault rate 11.9%.

Key Statistics

At-Fault Rate (Placerville) 11.9%
National Average 12%
Commuter-Related Crashes 38%
Tourist-Related Crashes 22%

Premium Impact

Monthly Liability (Clean Record) $73
Monthly Full Coverage (Clean) $145
Annual Full Coverage $1,740
Savings vs. CA Average 31% lower

Common Accident Types

Rear-end on US-50

Tourist slowdown at Apple Hill

Ice skid on Broadway

High-Risk Intersections

Drive with Extra Caution at These Locations:

US-50 & Forni Rd

US-50 & Missouri Flat Rd

Main St & Broadway

Peak Accident Months

December September
Data Sources: CHP SWITRS 2023–2025

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Theft & Property Crime Risk

Low Risk Level — Motor vehicle theft rate...

Low. Theft 1.0 per 1,000.

Crime Statistics

Motor Vehicle Theft Rate 1 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 7.1 per 1,000
Burglary Rate 190 per 100,000
Violent Crime Rate 2.1 per 1,000
Theft Increase (2023-2025) +1%

Most Stolen Vehicles in Placerville

  1. Ford F-150
  2. Toyota Tacoma
  3. Subaru Outback

High Theft Zones

Exercise Extra Caution in These Areas:

Downtown parking

Apple Hill lots

Recommended Anti-Theft Measures

Garage parking

Remove valuables

Data Sources: Placerville PD 2024

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Seasonal Driving Risks in Placerville

❄️

Winter

Snow, ice, chains

🌸

Spring

Rockfall

☀️

Summer

Smoke, heat

🍂

Fall

Tourism, deer

🍂

Source

CAL FIRE

Source: CAL FIRE

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Claims Trends & Payouts in Placerville

Claim Distribution

Comprehensive38%
Collision52%
Liability10%

Average Payouts

Comprehensive$5,000
Collision$6,400

Notable Trends

Smoke Damage Claims +200% (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

Placerville Location & Geography

Historic Gold Rush county seat. Known as 'Hangtown', Apple Hill, wineries, and US-50 mountain pass gateway.

City
Placerville
State
CA (CA)
ZIP Codes
95667
County
El Dorado County
Region
Sierra Nevada Foothills
Population
11,000
Growth Rate (2020-2025)
1.2%
Land Area
5.8 sq miles
Population Density
1,897 per sq mi
Elevation
1,865 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

US-50

CA-49

Main St

Broadway

Forni Rd

Insurance Cost Comparison

Coverage Type Placerville Average California Average National Average Your Savings
Full Coverage $1,740/year $2,532/year $2,030/year 31% lower

Demographics & Driving Behavior

Median age 48. 14% drivers 16–24. DUI 1.7 per 1,000.

Age Demographics

Median Age (Placerville) 48
U.S. Median Age 38.8
Drivers Aged 16-24 14%

DUI & Violations

DUI Rate (Placerville) 1.7 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +84%
Speeding (15+ mph) +20%
At-Fault Accident +38%

Frequently Asked Questions

Credit in Placerville?
No. CA bans credit.
Comprehensive needed?
Yes — for snow, smoke, and debris.
Cameras?
No.
Cheapest?
GEICO, Progressive.

Expert Recommendations for Placerville Drivers

Coverage & Savings Tips

  • Get your Placerville quote now.
  • Bundle for 28% savings.
  • Add comprehensive for snow and smoke.
  • Snow tire discount available.
  • Clean record = max savings.
  • Avoid small claims.
  • Telematics for 45% off.

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Overall Risk Assessment

Moderate overall; 31% below CA average due to low crime and mature drivers. Elevated by US-50, snow, and tourism. Annual full coverage $1,740.

Last Updated: 2025-11-07