(916) 365-4988 Get Free Quote

Rio Vista Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1170 less every year
Sacramento-San Joaquin Delta Elevation 20 ft Population Pop. 10,000
$1,730
Avg. Full Coverage
32%
Below State Avg
38min
Avg. Commute
Get Free Quote - Save $800

Compare 10+ top carriers • Rio Vista-specific rates • Zero spam

$1,730 Avg. Annual Full Coverage
$144 Monthly Premium (Clean Record)
32% Below CA Average
$72 Monthly Liability Only
38 min Average Commute Time
Excellent News for Rio Vista Residents!
Rio Vista's auto insurance rates are 32% below CA average of $2,532/year. With comprehensive coverage averaging just $1,730 annually, you're saving $802/year compared to the typical CA driver.

Rio Vista Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $802/year with smart coverage.

Weather & Environmental Risk Factors

Moderate-High Risk Level — Low

Strong Delta wind, fog, flood risk. Annual rainfall 16 inches.

Annual Weather Data

Thunderstorm Days 4 per year
Annual Rainfall 16 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • None

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

N/A

Common Weather-Related Claims

Wind-blown debris

Coverage: Collision

Flooded low areas

Coverage: Comprehensive

Fog on CA-12

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Secure loose items in wind

Wildfire Season

  • Avoid flooded River Rd

General Safety

  • Fog lights on CA-12
Data Sources: NOAA, Solano OES

Protect your vehicle today. Get a free quote in 2 minutes.

Get Your Free Quote Now →

Accident Risk Analysis

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

CA-12 bridge and rural. At-fault rate 11.2%.

Key Statistics

At-Fault Rate (Rio Vista) 11.2%
National Average 12%
Commuter-Related Crashes 28%
Tourist-Related Crashes 12%

Premium Impact

Monthly Liability (Clean Record) $72
Monthly Full Coverage (Clean) $144
Annual Full Coverage $1,730
Savings vs. CA Average 32% lower

Common Accident Types

Rear-end on CA-12 bridge

Tourist slowdown at Main St

Wind gust swerve

High-Risk Intersections

Drive with Extra Caution at These Locations:

CA-12 & Main St

CA-160 & Front St

River Rd & Church Rd

Peak Accident Months

January August
Data Sources: CHP SWITRS 2023–2025

Protect your vehicle today. Get a free quote in 2 minutes.

Get Your Free Quote Now →

Theft & Property Crime Risk

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

Very Low. Theft 0.9 per 1,000.

Crime Statistics

Motor Vehicle Theft Rate 0.9 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 6.5 per 1,000
Burglary Rate 170 per 100,000
Violent Crime Rate 1.8 per 1,000
Theft Increase (2023-2025) +-6%

Most Stolen Vehicles in Rio Vista

  1. Ford F-150
  2. Toyota Tacoma
  3. Chevy Silverado

High Theft Zones

Exercise Extra Caution in These Areas:

Marina parking

Recommended Anti-Theft Measures

Garage parking

Data Sources: Rio Vista PD 2024

Protect your vehicle today. Get a free quote in 2 minutes.

Get Your Free Quote Now →

Seasonal Driving Risks in Rio Vista

❄️

Winter

Fog, wind

🌸

Spring

Flooding

☀️

Summer

Heat, wind

🍂

Fall

Early dark

🍂

Source

NWS

Source: NWS

Protect your vehicle today. Get a free quote in 2 minutes.

Get Your Free Quote Now →

Claims Trends & Payouts in Rio Vista

Claim Distribution

Comprehensive36%
Collision54%
Liability10%

Average Payouts

Comprehensive$4,900
Collision$6,200

Notable Trends

Smoke Damage Claims +100% (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 Vista Location & Geography

Delta river town with wind, levees, and senior communities. Known for fishing, boating, and Trilogy 55+.

City
Rio Vista
State
CA (CA)
ZIP Codes
94571
County
Solano County
Region
Sacramento-San Joaquin Delta
Population
10,000
Growth Rate (2020-2025)
4.5%
Land Area
6.7 sq miles
Population Density
1,493 per sq mi
Elevation
20 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

CA-12

CA-160

Main St

Front St

River Rd

Insurance Cost Comparison

Coverage Type Rio Vista Average California Average National Average Your Savings
Full Coverage $0/year $2,532/year $2,030/year 32% lower

Demographics & Driving Behavior

Median age 58. 8% drivers 16–24. DUI 1.2 per 1,000.

Age Demographics

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

DUI & Violations

DUI Rate (Rio Vista) 1.2 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +88%
Speeding (15+ mph) +17%
At-Fault Accident +35%

Frequently Asked Questions

Credit in Rio Vista?
No. CA bans credit.
Comprehensive needed?
Yes — for wind and fog.
Cameras?
No.
Cheapest?
GEICO, Progressive.

Expert Recommendations for Rio Vista Drivers

Coverage & Savings Tips

  • Get your Rio Vista quote now.
  • Bundle for 30% savings.
  • Add comprehensive for wind and fog.
  • Senior driver discount available.
  • Clean record = max savings.
  • Avoid small claims.
  • Telematics for 45% off.

Ready to Save on Auto Insurance in Rio Vista?

Get your personalized quote in under 2 minutes.

Get Free Quote Now

Overall Risk Assessment

Low overall; 32% below CA average due to very low crime, mature drivers, and low traffic. Elevated by wind and fog. Annual full coverage $1,730.

Last Updated: 2025-11-07