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Rio Linda Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1140 less every year
Sacramento Valley Elevation 56 ft Population Pop. 10,000
$1,760
Avg. Full Coverage
30%
Below State Avg
28min
Avg. Commute
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$1,760 Avg. Annual Full Coverage
$147 Monthly Premium (Clean Record)
30% Below CA Average
$73 Monthly Liability Only
28 min Average Commute Time
Excellent News for Rio Linda Residents!
Rio Linda's auto insurance rates are 30% below CA average of $2,532/year. With comprehensive coverage averaging just $1,760 annually, you're saving $772/year compared to the typical CA driver.

Rio Linda Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $772/year with smart coverage.

Weather & Environmental Risk Factors

Moderate Risk Level — Low

Valley fog, heat. Annual rainfall 20 inches.

Annual Weather Data

Thunderstorm Days 5 per year
Annual Rainfall 20 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 Elkhorn

Coverage: Comprehensive

Heat tire damage

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Fog lights in winter

Wildfire Season

  • Increase following distance
Data Sources: NOAA

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Accident Risk Analysis

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

Rural roads. At-fault rate 11.0%.

Key Statistics

At-Fault Rate (Rio Linda) 11%
National Average 12%
Commuter-Related Crashes 30%
Tourist-Related Crashes 5%

Premium Impact

Monthly Liability (Clean Record) $73
Monthly Full Coverage (Clean) $147
Annual Full Coverage $1,760
Savings vs. CA Average 30% lower

Common Accident Types

Single-vehicle on rural road

Intersection at Elkhorn & Rio Linda Blvd

High-Risk Intersections

Drive with Extra Caution at These Locations:

Elkhorn Blvd & Rio Linda Blvd

Dry Creek Rd & Ascot Ave

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 6.2 per 1,000
Burglary Rate 160 per 100,000
Violent Crime Rate 1.9 per 1,000
Theft Increase (2023-2025) +-3%

Most Stolen Vehicles in Rio Linda

  1. Ford F-150
  2. Chevy Silverado

High Theft Zones

Exercise Extra Caution in These Areas:

None significant

Recommended Anti-Theft Measures

Garage parking

Data Sources: Sacramento Sheriff 2024

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Seasonal Driving Risks in Rio Linda

❄️

Winter

Fog

🌸

Spring

Pol8en

☀️

Summer

Heat

🍂

Fall

Deer

🍂

Source

NWS

Source: NWS

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Claims Trends & Payouts in Rio Linda

Claim Distribution

Comprehensive32%
Collision58%
Liability10%

Average Payouts

Comprehensive$4,500
Collision$6,100

Notable Trends

Smoke Damage Claims +120% (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

Rio Linda Location & Geography

Rural-suburban community north of Sacramento. Known for horse properties, small farms, and quiet streets.

City
Rio Linda
State
CA (CA)
ZIP Codes
95673
County
Sacramento County
Region
Sacramento Valley
Population
10,000
Growth Rate (2020-2025)
0.8%
Land Area
9.9 sq miles
Population Density
1,010 per sq mi
Elevation
56 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

Elkhorn Blvd

Rio Linda Blvd

Dry Creek Rd

I-80 (nearby)

Insurance Cost Comparison

Coverage Type Rio Linda Average California Average National Average Your Savings
Full Coverage $0/year $2,532/year $2,030/year 30% lower

Demographics & Driving Behavior

Median age 46. 15% drivers 16–24. DUI 1.7 per 1,000.

Age Demographics

Median Age (Rio Linda) 46
U.S. Median Age 38.8
Drivers Aged 16-24 15%

DUI & Violations

DUI Rate (Rio Linda) 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 Rio Linda?
No. CA bans credit.
Comprehensive needed?
Recommended for fog.
Cameras?
No.
Cheapest?
GEICO, Progressive.

Expert Recommendations for Rio Linda Drivers

Coverage & Savings Tips

  • Get your Rio Linda quote now.
  • Bundle for 28% savings.
  • Add comprehensive for fog.
  • Farm/ranch: Trailer coverage.
  • Clean record = max savings.
  • Avoid small claims.
  • Telematics for 45% off.

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Overall Risk Assessment

Low overall; 30% below CA average due to very low crime, low traffic, and rural safety. Annual full coverage $1,760.

Last Updated: 2025-11-07