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Shingle Springs Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1160 less every year
Sierra Nevada Foothills Elevation 1,420 ft Population Pop. 10,000
$1,740
Avg. Full Coverage
31%
Below State Avg
34min
Avg. Commute
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$1,740 Avg. Annual Full Coverage
$145 Monthly Premium (Clean Record)
31% Below CA Average
$73 Monthly Liability Only
34 min Average Commute Time
Excellent News for Shingle Springs Residents!
Shingle Springs's auto insurance rates are 31% below CA average of $2,532/year. With comprehensive coverage averaging just $1,740 annually, you're saving $792/year compared to the typical CA driver.

Shingle Springs Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $792/year with smart coverage.

Weather & Environmental Risk Factors

High Risk Level — High (WUI)

Snow, ice, wildfire smoke. Annual rainfall 38 inches.

Annual Weather Data

Thunderstorm Days 9 per year
Annual Rainfall 38 inches
Annual Snowfall 20 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Shingle Springs
  • Cameron Park
  • El Dorado Hills

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

July August September

Common Weather-Related Claims

Snow/ice skid

Coverage: Collision

Smoke damage

Coverage: Comprehensive

Rockfall on US-50

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Snow tires Nov–Apr

Wildfire Season

  • Check chain control

General Safety

  • Recirculate in smoke
Data Sources: CAL FIRE, Caltrans 2025

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Accident Risk Analysis

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

US-50 corridor. At-fault rate 11.7%.

Key Statistics

At-Fault Rate (Shingle Springs) 11.7%
National Average 12%
Commuter-Related Crashes 36%
Tourist-Related Crashes 18%

Premium Impact

Monthly Liability (Clean Record) $73
Monthly Full Coverage (Clean) $145
Annual Full Coverage $1,740
Savings vs. CA Average 31% lower

Common Accident Types

Rear-end on US-50

Rural road runoff

Deer collision

High-Risk Intersections

Drive with Extra Caution at These Locations:

US-50 & Ponderosa Rd

US-50 & Mother Lode Dr

Peak Accident Months

December August
Data Sources: CHP SWITRS 2023–2025

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Theft & Property Crime Risk

Low Risk Level — Motor vehicle theft rate...

Low. Theft 1.1 per 1,000.

Crime Statistics

Motor Vehicle Theft Rate 1.1 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 7.5 per 1,000
Burglary Rate 200 per 100,000
Violent Crime Rate 2.2 per 1,000
Theft Increase (2023-2025) +3%

Most Stolen Vehicles in Shingle Springs

  1. Ford F-150
  2. Toyota Tacoma

High Theft Zones

Exercise Extra Caution in These Areas:

Shopping centers

Recommended Anti-Theft Measures

Garage parking

Data Sources: El Dorado Sheriff 2024

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Seasonal Driving Risks in Shingle Springs

❄️

Winter

Snow, ice

🌸

Spring

Rockfall

☀️

Summer

Smoke

🍂

Fall

Deer

🍂

Source

CAL FIRE

Source: CAL FIRE

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Claims Trends & Payouts in Shingle Springs

Claim Distribution

Comprehensive40%
Collision50%
Liability10%

Average Payouts

Comprehensive$5,100
Collision$6,500

Notable Trends

Smoke Damage Claims +210% (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

Shingle Springs Location & Geography

Rural foothills community. Ranch properties, wineries, and US-50 corridor. Growing with Cameron Park.

City
Shingle Springs
State
CA (CA)
ZIP Codes
95682
County
El Dorado County
Region
Sierra Nevada Foothills
Population
10,000
Growth Rate (2020-2025)
3.2%
Land Area
8.2 sq miles
Population Density
1,220 per sq mi
Elevation
1,420 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

US-50

Ponderosa Rd

Mother Lode Dr

Cameron Park Dr

Insurance Cost Comparison

Coverage Type Shingle Springs Average California Average National Average Your Savings
Full Coverage $0/year $2,532/year $2,030/year 31% lower

Demographics & Driving Behavior

Median age 49. 13% drivers 16–24. DUI 1.6 per 1,000.

Age Demographics

Median Age (Shingle Springs) 49
U.S. Median Age 38.8
Drivers Aged 16-24 13%

DUI & Violations

DUI Rate (Shingle Springs) 1.6 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +85%
Speeding (15+ mph) +19%
At-Fault Accident +37%

Frequently Asked Questions

Credit in Shingle Springs?
No. CA bans credit.
Comprehensive needed?
Yes — for wildfire and snow.
Cameras?
No.
Cheapest?
GEICO, Progressive.

Expert Recommendations for Shingle Springs Drivers

Coverage & Savings Tips

  • Get your Shingle Springs quote now.
  • Bundle for 28% savings.
  • Add comprehensive for smoke and snow.
  • Ranch: Trailer coverage.
  • Clean record = max savings.
  • Avoid small claims.
  • Telematics for 45% off.

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Overall Risk Assessment

Moderate overall; 31% below CA average due to low crime and mature drivers. Elevated by US-50 and wildfire. Annual full coverage $1,740.

Last Updated: 2025-11-07