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Pollock Pines Auto Insurance 2025

Mountain town insurance that beats Sacramento by over $500/yr
Sierra Nevada Foothills Elevation 3,950 ft Population Pop. 10,000
$1,700
Avg. Full Coverage
33%
Below State Avg
35min
Avg. Commute
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$1,700 Avg. Annual Full Coverage
$142 Monthly Premium (Clean Record)
33% Below CA Average
$71 Monthly Liability Only
35 min Average Commute Time
Excellent News for Pollock Pines Residents!
Pollock Pines's auto insurance rates are 33% below CA average of $2,532/year. With comprehensive coverage averaging just $1,700 annually, you're saving $832/year compared to the typical CA driver.

Pollock Pines Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $832/year with smart coverage.

Weather & Environmental Risk Factors

Very High Risk Level — Extreme (WUI)

Heavy snow, ice, wildfire. Annual rainfall 50 inches, 60+ inches snow.

Annual Weather Data

Thunderstorm Days 11 per year
Annual Rainfall 50 inches
Annual Snowfall 65 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Pollock Pines
  • Camino
  • Sly Park

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

July August September

Common Weather-Related Claims

Snow/ice collision

Coverage: Collision

Chain damage

Coverage: Collision

Smoke damage

Coverage: Comprehensive

Rockfall

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Snow tires mandatory Nov–Apr
  • Carry chains + shovel

Wildfire Season

  • Check Caltrans R-2 conditions
  • Evacuation prep
Data Sources: CAL FIRE, Caltrans 2025

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Accident Risk Analysis

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

US-50 mountain pass. At-fault rate 11.3%.

Key Statistics

At-Fault Rate (Pollock Pines) 11.3%
National Average 12%
Commuter-Related Crashes 35%
Tourist-Related Crashes 25%

Premium Impact

Monthly Liability (Clean Record) $71
Monthly Full Coverage (Clean) $142
Annual Full Coverage $1,700
Savings vs. CA Average 33% lower

Common Accident Types

Ice skid on US-50

Tourist chain stop

Rear-end in snow

High-Risk Intersections

Drive with Extra Caution at These Locations:

US-50 & Sly Park Rd

US-50 & Pony Express Trail

Peak Accident Months

January August
Data Sources: CHP SWITRS 2023–2025

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Theft & Property Crime Risk

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

Very Low. Theft 0.7 per 1,000.

Crime Statistics

Motor Vehicle Theft Rate 0.7 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 5.5 per 1,000
Burglary Rate 150 per 100,000
Violent Crime Rate 1.8 per 1,000
Theft Increase (2023-2025) +-8%

Most Stolen Vehicles in Pollock Pines

  1. Ford F-150
  2. Toyota Tacoma

High Theft Zones

Exercise Extra Caution in These Areas:

Jenkinson Lake parking

Recommended Anti-Theft Measures

Garage parking

Data Sources: El Dorado Sheriff 2024

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Seasonal Driving Risks in Pollock Pines

❄️

Winter

Heavy snow, ice

🌸

Spring

Mud, rockfall

☀️

Summer

Wildfire

🍂

Fall

Deer, early dark

🍂

Source

CAL FIRE

Source: CAL FIRE

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Claims Trends & Payouts in Pollock Pines

Claim Distribution

Comprehensive44%
Collision46%
Liability10%

Average Payouts

Comprehensive$5,300
Collision$6,600

Notable Trends

Smoke Damage Claims +230% (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

Pollock Pines Location & Geography

Mountain community on US-50. High elevation, heavy snow, wildfire risk. Gateway to Tahoe and Jenkinson Lake.

City
Pollock Pines
State
CA (CA)
ZIP Codes
95726
County
El Dorado County
Region
Sierra Nevada Foothills
Population
10,000
Growth Rate (2020-2025)
5.1%
Land Area
8 sq miles
Population Density
1,250 per sq mi
Elevation
3,950 feet
Climate Zone
Cold semi-arid (BSk) / Mediterranean (Csb)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

US-50

Sly Park Rd

Pony Express Trail

Forebay Rd

Insurance Cost Comparison

Coverage Type Pollock Pines Average California Average National Average Your Savings
Full Coverage $0/year $2,532/year $2,030/year 33% lower

Demographics & Driving Behavior

Median age 50. 10% drivers 16–24. DUI 1.4 per 1,000.

Age Demographics

Median Age (Pollock Pines) 50
U.S. Median Age 38.8
Drivers Aged 16-24 10%

DUI & Violations

DUI Rate (Pollock Pines) 1.4 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +86%
Speeding (15+ mph) +18%
At-Fault Accident +36%

Frequently Asked Questions

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

Expert Recommendations for Pollock Pines Drivers

Coverage & Savings Tips

  • Get your Pollock Pines quote now.
  • Bundle for 30% savings.
  • Add comprehensive for snow and smoke.
  • Snow tire discount.
  • Clean record = max savings.
  • Avoid small claims.
  • Telematics for 45% off.

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Overall Risk Assessment

Low-Moderate overall; 33% below CA average due to very low crime and mature drivers. Elevated by snow, wildfire, and US-50. Annual full coverage $1,700.

Last Updated: 2025-11-07