(916) 365-4988 Get Free Quote

Rocklin Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1040 less every year
Sacramento Valley Elevation 240 ft Population Pop. 66,000
$1,860
Avg. Full Coverage
27%
Below State Avg
28min
Avg. Commute
Get Free Quote - Save $675

Compare 10+ top carriers • Rocklin-specific rates • Zero spam

$1,860 Avg. Annual Full Coverage
$155 Monthly Premium (Clean Record)
27% Below CA Average
$78 Monthly Liability Only
28 min Average Commute Time
Excellent News for Rocklin Residents!
Rocklin's auto insurance rates are 27% below CA average of $2,532/year. With comprehensive coverage averaging just $1,860 annually, you're saving $672/year compared to the typical CA driver.

Rocklin Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $672/year with smart coverage.

Weather & Environmental Risk Factors

Moderate Risk Level — Moderate (WUI)

Valley fog, heat. Annual rainfall 25 inches.

Annual Weather Data

Thunderstorm Days 6 per year
Annual Rainfall 25 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Whitney Ranch
  • Clover Valley

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

July August

Common Weather-Related Claims

Fog crash on I-80

Coverage: Comprehensive

Hail rare

Coverage: Comprehensive

Weather Driving Safety Advice

Winter Preparation

  • Fog lights; 35 mph in fog

Wildfire Season

  • 6 second following
Data Sources: NOAA, Placer OES

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

Get Your Free Quote Now →

Accident Risk Analysis

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

I-80 and growth. At-fault rate 13.2%.

Key Statistics

At-Fault Rate (Rocklin) 13.2%
National Average 12%
Commuter-Related Crashes 45%
Tourist-Related Crashes 8%

Premium Impact

Monthly Liability (Clean Record) $78
Monthly Full Coverage (Clean) $155
Annual Full Coverage $1,860
Savings vs. CA Average 27% lower

Common Accident Types

Rear-end on I-80

Intersection at Stanford Ranch & Park Dr

Student driver error

High-Risk Intersections

Drive with Extra Caution at These Locations:

I-80 & Rocklin Rd

CA-65 & Stanford Ranch Rd

Sunset Blvd & Lonetree Blvd

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

Moderate Risk Level — Motor vehicle theft rate...

Moderate. Theft 2.1 per 1,000.

Crime Statistics

Motor Vehicle Theft Rate 2.1 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 11.8 per 1,000
Burglary Rate 320 per 100,000
Violent Crime Rate 2.8 per 1,000
Theft Increase (2023-2025) +12%

Most Stolen Vehicles in Rocklin

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

High Theft Zones

Exercise Extra Caution in These Areas:

Sierra College lot

Costco parking

Recommended Anti-Theft Measures

Covered parking

GPS tracking

Data Sources: Rocklin PD 2024

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

Get Your Free Quote Now →

Seasonal Driving Risks in Rocklin

❄️

Winter

Fog

🌸

Spring

Pollen

☀️

Summer

Heat

🍂

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 Rocklin

Claim Distribution

Comprehensive32%
Collision58%
Liability10%

Average Payouts

Comprehensive$4,700
Collision$6,300

Notable Trends

Smoke Damage Claims +150% (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

Rocklin Location & Geography

Fast-growing tech and family suburb. Granite quarries, Sierra College, and I-80 corridor.

City
Rocklin
State
CA (CA)
ZIP Codes
95677, 95765
County
Placer County
Region
Sacramento Valley
Population
66,000
Growth Rate (2020-2025)
3.8%
Land Area
19.6 sq miles
Population Density
3,367 per sq mi
Elevation
240 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

I-80

CA-65

Stanford Ranch Rd

Sunset Blvd

Rocklin Rd

Insurance Cost Comparison

Coverage Type Rocklin Average California Average National Average Your Savings
Full Coverage $1,860/year $2,532/year $2,030/year 27% lower

Demographics & Driving Behavior

Median age 40. 20% drivers 16–24. DUI 2.4 per 1,000.

Age Demographics

Median Age (Rocklin) 40
U.S. Median Age 38.8
Drivers Aged 16-24 20%

DUI & Violations

DUI Rate (Rocklin) 2.4 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +81%
Speeding (15+ mph) +24%
At-Fault Accident +44%

Frequently Asked Questions

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

Expert Recommendations for Rocklin Drivers

Coverage & Savings Tips

  • Get your Rocklin quote now.
  • Bundle auto + home for 28% savings.
  • Add comprehensive for fog.
  • Teen driver training discount.
  • Clean record = max savings.
  • Avoid small claims.
  • Telematics for 40% off.

Ready to Save on Auto Insurance in Rocklin?

Get your personalized quote in under 2 minutes.

Get Free Quote Now

Overall Risk Assessment

Moderate-High overall; 27% below CA average due to family drivers and transit. Elevated by I-80 and growth. Annual full coverage $1,860.

Last Updated: 2025-11-07