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Roseville Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1010 less every year
Sacramento Valley Elevation 164 ft Population Pop. 166,000
$1,890
Avg. Full Coverage
25%
Below State Avg
26min
Avg. Commute
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$1,890 Avg. Annual Full Coverage
$158 Monthly Premium (Clean Record)
25% Below CA Average
$79 Monthly Liability Only
26 min Average Commute Time
Excellent News for Roseville Residents!
Roseville's auto insurance rates are 25% below CA average of $2,532/year. With comprehensive coverage averaging just $1,890 annually, you're saving $642/year compared to the typical CA driver.

Roseville Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $642/year with smart coverage.

Weather & Environmental Risk Factors

Moderate Risk Level — Moderate (WUI)

Valley fog, heat. Annual rainfall 24 inches.

Annual Weather Data

Thunderstorm Days 6 per year
Annual Rainfall 24 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Fiddyment
  • Blue Oaks

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

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Accident Risk Analysis

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

I-80 and retail. At-fault rate 13.8%.

Key Statistics

At-Fault Rate (Roseville) 13.8%
National Average 12%
Commuter-Related Crashes 50%
Tourist-Related Crashes 10%

Premium Impact

Monthly Liability (Clean Record) $79
Monthly Full Coverage (Clean) $158
Annual Full Coverage $1,890
Savings vs. CA Average 25% lower

Common Accident Types

Rear-end on I-80

Mall lot collision

Intersection at Galleria & Roseville Pkwy

High-Risk Intersections

Drive with Extra Caution at These Locations:

I-80 & Douglas Blvd

CA-65 & Galleria Blvd

Eureka Rd & Taylor Rd

Peak Accident Months

January December
Data Sources: CHP SWITRS 2023–2025

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Theft & Property Crime Risk

High Risk Level — Motor vehicle theft rate...

High. Theft 3.0 per 1,000. Mall and urban.

Crime Statistics

Motor Vehicle Theft Rate 3 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 15.5 per 1,000
Burglary Rate 420 per 100,000
Violent Crime Rate 3.8 per 1,000
Theft Increase (2023-2025) +20%

Most Stolen Vehicles in Roseville

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

High Theft Zones

Exercise Extra Caution in These Areas:

Galleria Mall

Kaiser lots

Downtown

Recommended Anti-Theft Measures

Valet or covered parking

Alarm + GPS

Data Sources: Roseville PD 2024

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Seasonal Driving Risks in Roseville

❄️

Winter

Fog

🌸

Spring

Pollen

☀️

Summer

Heat

🍂

Fall

Early dark

🍂

Source

NWS

Source: NWS

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Claims Trends & Payouts in Roseville

Claim Distribution

Comprehensive30%
Collision60%
Liability10%

Average Payouts

Comprehensive$4,800
Collision$6,400

Notable Trends

Smoke Damage Claims +160% (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
Speed CamerasNo
Source: CA DMV

Roseville Location & Geography

Major retail and medical hub. Galleria Mall, Kaiser, Sutter. High growth, light rail planned.

City
Roseville
State
CA (CA)
ZIP Codes
95661, 95678, 95747
County
Placer County
Region
Sacramento Valley
Population
166,000
Growth Rate (2020-2025)
4.2%
Land Area
42.7 sq miles
Population Density
3,888 per sq mi
Elevation
164 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

I-80

CA-65

Douglas Blvd

Galleria Blvd

Eureka Rd

Insurance Cost Comparison

Coverage Type Roseville Average California Average National Average Your Savings
Full Coverage $1,890/year $2,532/year $2,030/year 25% lower

Demographics & Driving Behavior

Median age 39. 21% drivers 16–24. DUI 2.5 per 1,000.

Age Demographics

Median Age (Roseville) 39
U.S. Median Age 38.8
Drivers Aged 16-24 21%

DUI & Violations

DUI Rate (Roseville) 2.5 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 Roseville?
No. CA bans credit.
Comprehensive needed?
Yes — for fog and theft.
Red light cameras?
Yes.
Cheapest?
GEICO, Progressive, Tesla Insurance.

Expert Recommendations for Roseville Drivers

Coverage & Savings Tips

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

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Overall Risk Assessment

High overall; 25% below CA average due to transit and short commutes. Elevated by I-80, mall theft, and traffic. Annual full coverage $1,890.

Last Updated: 2025-11-07