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Rancho Cordova Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $965 less every year
Sacramento Valley Elevation 89 ft Population Pop. 75,000
$1,935
Avg. Full Coverage
24%
Below State Avg
26min
Avg. Commute
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$1,935 Avg. Annual Full Coverage
$161 Monthly Premium (Clean Record)
24% Below CA Average
$81 Monthly Liability Only
26 min Average Commute Time
Excellent News for Rancho Cordova Residents!
Rancho Cordova's auto insurance rates are 24% below CA average of $2,532/year. With comprehensive coverage averaging just $1,935 annually, you're saving $597/year compared to the typical CA driver.

Rancho Cordova Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $597/year with smart coverage.

Weather & Environmental Risk Factors

Moderate Risk Level — Low (urban)

Valley fog, heat, river proximity. Annual rainfall 19 inches.

Annual Weather Data

Thunderstorm Days 6 per year
Annual Rainfall 19 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • None

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

N/A

Common Weather-Related Claims

Fog crash on US-50

Coverage: Comprehensive

Heat tire damage

Coverage: Collision

Hail rare

Coverage: Comprehensive

Weather Driving Safety Advice

Winter Preparation

  • Fog lights; 35 mph in fog

Wildfire Season

  • 6 second following

General Safety

  • Recirculate in smoke
Data Sources: NOAA, Sacramento OES

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Accident Risk Analysis

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

US-50 and tech traffic. At-fault rate 13.5%.

Key Statistics

At-Fault Rate (Rancho Cordova) 13.5%
National Average 12%
Commuter-Related Crashes 48%
Tourist-Related Crashes 6%

Premium Impact

Monthly Liability (Clean Record) $81
Monthly Full Coverage (Clean) $161
Annual Full Coverage $1,935
Savings vs. CA Average 24% lower

Common Accident Types

Rear-end on US-50

Light rail lot fender-bender

Intersection at Sunrise & Folsom

High-Risk Intersections

Drive with Extra Caution at These Locations:

US-50 & Hazel Ave

US-50 & Mather Field Rd

Sunrise Blvd & White Rock Rd

Peak Accident Months

January August
Data Sources: CHP SWITRS 2023–2025

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Theft & Property Crime Risk

High Risk Level — Motor vehicle theft rate...

Moderate-High. Theft 2.7 per 1,000.

Crime Statistics

Motor Vehicle Theft Rate 2.7 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 14.2 per 1,000
Burglary Rate 410 per 100,000
Violent Crime Rate 4 per 1,000
Theft Increase (2023-2025) +16%

Most Stolen Vehicles in Rancho Cordova

  1. Honda Civic
  2. Toyota Camry
  3. Ford F-150

High Theft Zones

Exercise Extra Caution in These Areas:

Light rail stations

Mather Field lots

Shopping centers

Recommended Anti-Theft Measures

Covered parking

GPS tracking

Data Sources: Sacramento Sheriff 2024

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Seasonal Driving Risks in Rancho Cordova

❄️

Winter

Fog

🌸

Spring

Pollen

☀️

Summer

Heat

🍂

Fall

Early dark

🍂

Source

NWS

Source: NWS

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Claims Trends & Payouts in Rancho Cordova

Claim Distribution

Comprehensive30%
Collision60%
Liability10%

Average Payouts

Comprehensive$4,600
Collision$6,200

Notable Trends

Smoke Damage Claims +140% (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 CamerasYes (select)
Speed CamerasNo
Source: CA DMV

Rancho Cordova Location & Geography

Tech and aerospace hub (Mather, Intel). Diverse, growing with new housing and light rail. Near American River.

City
Rancho Cordova
State
CA (CA)
ZIP Codes
95670, 95742
County
Sacramento County
Region
Sacramento Valley
Population
75,000
Growth Rate (2020-2025)
2.1%
Land Area
36.5 sq miles
Population Density
2,055 per sq mi
Elevation
89 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

US-50

Hazel Ave

Folsom Blvd

Sunrise Blvd

Mather Field Rd

Insurance Cost Comparison

Coverage Type Rancho Cordova Average California Average National Average Your Savings
Full Coverage $0/year $2,532/year $2,030/year 24% lower

Demographics & Driving Behavior

Median age 38. 22% drivers 16–24. DUI 2.6 per 1,000.

Age Demographics

Median Age (Rancho Cordova) 38
U.S. Median Age 38.8
Drivers Aged 16-24 22%

DUI & Violations

DUI Rate (Rancho Cordova) 2.6 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +80%
Speeding (15+ mph) +25%
At-Fault Accident +45%

Frequently Asked Questions

Credit in Rancho Cordova?
No. CA bans credit.
Comprehensive needed?
Yes — for fog and theft.
Red light cameras?
Yes, at select intersections.
Cheapest?
GEICO, Progressive, Tesla Insurance.

Expert Recommendations for Rancho Cordova Drivers

Coverage & Savings Tips

  • Get your Rancho Cordova quote now.
  • Bundle auto + renters for 25% savings.
  • Add comprehensive for fog.
  • Tech workers: High mileage plans.
  • Clean record = max discount.
  • Avoid small claims.
  • Telematics for 40% off.

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Overall Risk Assessment

Moderate-High overall; 24% below CA average due to light rail and short commutes. Elevated by US-50 and theft. Annual full coverage $1,935.

Last Updated: 2025-11-07