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Rancho Murieta Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1110 less every year
Sacramento Valley Foothills Elevation 184 ft Population Pop. 5,500
$1,790
Avg. Full Coverage
29%
Below State Avg
35min
Avg. Commute
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$1,790 Avg. Annual Full Coverage
$149 Monthly Premium (Clean Record)
29% Below CA Average
$75 Monthly Liability Only
35 min Average Commute Time
Excellent News for Rancho Murieta Residents!
Rancho Murieta'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.

Rancho Murieta Auto Insurance Risk Report 2025

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

Weather & Environmental Risk Factors

Moderate Risk Level — High (WUI)

Fog, heat, wildfire. Annual rainfall 22 inches.

Annual Weather Data

Thunderstorm Days 5 per year
Annual Rainfall 22 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Rancho Murieta
  • Cosumnes River

Peak Risk Months

Flood Risk:

February

Wildfire Risk:

July August

Common Weather-Related Claims

Wildfire smoke

Coverage: Comprehensive

Debris on CA-16

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Check wildfire alerts

Wildfire Season

  • Avoid driving in smoke
Data Sources: CAL FIRE, Sacramento OES

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Accident Risk Analysis

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

CA-16 and gates. At-fault rate 10.5%.

Key Statistics

At-Fault Rate (Rancho Murieta) 10.5%
National Average 12%
Commuter-Related Crashes 40%
Tourist-Related Crashes 15%

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

Gate entry collision

Golf cart incident

Deer on Murieta Dr

High-Risk Intersections

Drive with Extra Caution at These Locations:

CA-16 & Murieta Dr

Jackson Rd & Latrobe Rd

Guadalupe Dr & Clubhouse

Peak Accident Months

December July
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 0.8 per 1,000.

Crime Statistics

Motor Vehicle Theft Rate 0.8 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 3.5 per 1,000
Burglary Rate 90 per 100,000
Violent Crime Rate 0.6 per 1,000
Theft Increase (2023-2025) +2%

Most Stolen Vehicles in Rancho Murieta

  1. Golf carts
  2. ATVs
  3. Tesla Model Y

High Theft Zones

Exercise Extra Caution in These Areas:

None significant

Recommended Anti-Theft Measures

Gated + garage

Home security

Data Sources: Rancho Murieta Security 2024

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Seasonal Driving Risks in Rancho Murieta

❄️

Winter

Fog

🌸

Spring

Pollen

☀️

Summer

Smoke

🍂

Fall

Deer

🍂

Source

NWS

Source: NWS

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Claims Trends & Payouts in Rancho Murieta

Claim Distribution

Comprehensive52%
Collision40%
Liability8%

Average Payouts

Comprehensive$6,200
Collision$7,100

Notable Trends

Smoke Damage Claims +180% (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

Rancho Murieta Location & Geography

Gated golf & equestrian community. Private airport, lakes, and low density.

City
Rancho Murieta
State
CA (CA)
ZIP Codes
95683
County
Sacramento County
Region
Sacramento Valley Foothills
Population
5,500
Growth Rate (2020-2025)
3.8%
Land Area
11.9 sq miles
Population Density
462 per sq mi
Elevation
184 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

CA-16 (Jackson Rd)

Murieta Dr

Guadalupe Dr

Latrobe Rd

Insurance Cost Comparison

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

Demographics & Driving Behavior

Median age 58. 8% drivers 16–24. DUI 0.9 per 1,000.

Age Demographics

Median Age (Rancho Murieta) 58
U.S. Median Age 38.8
Drivers Aged 16-24 8%

DUI & Violations

DUI Rate (Rancho Murieta) 0.9 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +88%
Speeding (15+ mph) +18%
At-Fault Accident +32%

Frequently Asked Questions

Credit in Rancho Murieta?
No. CA bans credit.
Comprehensive needed?
Yes — for wildfire smoke.
Cameras?
No.
Cheapest?
GEICO, Progressive, Tesla Insurance.

Expert Recommendations for Rancho Murieta Drivers

Coverage & Savings Tips

  • Get your Rancho Murieta quote now.
  • Bundle for 38% savings.
  • Add comprehensive for smoke.
  • Low mileage = big discount.
  • Clean record = max savings.
  • Avoid small claims.
  • Telematics for 55% off.

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Overall Risk Assessment

Low overall; 29% below CA average due to gated security, low mileage, and affluent drivers. Elevated by wildfire. Annual full coverage $1,790.

Last Updated: 2025-11-07