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Sacramento Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $720 less every year
Sacramento Valley Elevation 30 ft Population Pop. 540,000
$2,180
Avg. Full Coverage
14%
Below State Avg
28min
Avg. Commute
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$2,180 Avg. Annual Full Coverage
$182 Monthly Premium (Clean Record)
14% Below CA Average
$91 Monthly Liability Only
28 min Average Commute Time
Excellent News for Sacramento Residents!
Sacramento's auto insurance rates are 14% below CA average of $2,532/year. With comprehensive coverage averaging just $2,180 annually, you're saving $352/year compared to the typical CA driver.

Sacramento Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $352/year with smart coverage.

Weather & Environmental Risk Factors

Moderate-High Risk Level — Low (urban)

Dense fog, heat, river flooding. Annual rainfall 18 inches.

Annual Weather Data

Thunderstorm Days 5 per year
Annual Rainfall 18 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • None

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

N/A

Common Weather-Related Claims

Tule fog crash

Coverage: Comprehensive

Flooded underpass

Coverage: Comprehensive

Heat damage

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Fog lights; 30 mph in fog

Wildfire Season

  • Avoid flooded roads

General Safety

  • Recirculate in smoke
Data Sources: NOAA, Sacramento OES

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Accident Risk Analysis

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

Urban freeways. At-fault rate 14.5%.

Key Statistics

At-Fault Rate (Sacramento) 14.5%
National Average 12%
Commuter-Related Crashes 55%
Tourist-Related Crashes 12%

Premium Impact

Monthly Liability (Clean Record) $91
Monthly Full Coverage (Clean) $182
Annual Full Coverage $2,180
Savings vs. CA Average 14% lower

Common Accident Types

Rear-end on I-5

Merge crash on Business 80

Light rail lot fender-bender

High-Risk Intersections

Drive with Extra Caution at These Locations:

I-5 & J St

I-80 & Truxel Rd

US-50 & 65th St

Peak Accident Months

January August
Data Sources: CHP SWITRS 2023–2025

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Theft & Property Crime Risk

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

Very High. Theft 4.8 per 1,000.

Crime Statistics

Motor Vehicle Theft Rate 4.8 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 22.5 per 1,000
Burglary Rate 680 per 100,000
Violent Crime Rate 6.2 per 1,000
Theft Increase (2023-2025) +25%

Most Stolen Vehicles in Sacramento

  1. Honda Civic
  2. Toyota Camry
  3. Chevy Silverado
  4. Kia Optima

High Theft Zones

Exercise Extra Caution in These Areas:

Downtown garages

Light rail stations

Old Sacramento

Recommended Anti-Theft Measures

Covered parking

Steering lock

GPS tracking

Data Sources: Sacramento PD 2024

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Seasonal Driving Risks in Sacramento

❄️

Winter

Fog, flood

🌸

Spring

Pollen

☀️

Summer

Heat

🍂

Fall

Early dark

🍂

Source

NWS

Source: NWS

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Claims Trends & Payouts in Sacramento

Claim Distribution

Comprehensive28%
Collision62%
Liability10%

Average Payouts

Comprehensive$5,200
Collision$6,800

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 CamerasYes
Speed CamerasNo
Source: CA DMV

Sacramento Location & Geography

State capital. Government, healthcare, and tech hub. River confluence, urban core, and sprawl.

City
Sacramento
State
CA (CA)
ZIP Codes
95811, 95814, 95815, 95816, 95818, 95819, 95820, 95821, 95822, 95823, 95824, 95825, 95826, 95828, 95829, 95831, 95833, 95834, 95835, 95838, 95841, 95842, 95864
County
Sacramento County
Region
Sacramento Valley
Population
540,000
Growth Rate (2020-2025)
1.8%
Land Area
99.8 sq miles
Population Density
5,411 per sq mi
Elevation
30 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

I-5

I-80

US-50

CA-99

Business 80

Truxel Rd

Florin Rd

Arden Way

Insurance Cost Comparison

Coverage Type Sacramento Average California Average National Average Your Savings
Full Coverage $2,180/year $2,532/year $2,030/year 14% lower

Demographics & Driving Behavior

Median age 36. 24% drivers 16–24. DUI 3.1 per 1,000.

Age Demographics

Median Age (Sacramento) 36
U.S. Median Age 38.8
Drivers Aged 16-24 24%

DUI & Violations

DUI Rate (Sacramento) 3.1 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +78%
Speeding (15+ mph) +28%
At-Fault Accident +48%

Frequently Asked Questions

Credit in Sacramento?
No. CA bans credit.
Comprehensive needed?
Yes — critical for fog and theft.
Red light cameras?
Yes.
Cheapest?
GEICO, Progressive, State Farm.

Expert Recommendations for Sacramento Drivers

Coverage & Savings Tips

  • Get your Sacramento quote now.
  • Bundle auto + renters for 22% savings.
  • Add comprehensive for fog and theft.
  • State workers: Low mileage discount.
  • Clean record = max discount.
  • Avoid small claims.
  • Telematics for 35% off.

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Overall Risk Assessment

High overall; 14% below CA average due to light rail and short commutes. Elevated by urban traffic, theft, and fog. Annual full coverage $2,180.

Last Updated: 2025-11-07