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Sonora Auto Insurance 2025

Historic Gold Rush town with rates up to $1180 below Sacramento
Sierra Nevada Foothills Elevation 1,795 ft Population Pop. 10,000
$1,720
Avg. Full Coverage
32%
Below State Avg
30min
Avg. Commute
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$1,720 Avg. Annual Full Coverage
$143 Monthly Premium (Clean Record)
32% Below CA Average
$72 Monthly Liability Only
30 min Average Commute Time
Excellent News for Sonora Residents!
Sonora's auto insurance rates are 32% below CA average of $2,532/year. With comprehensive coverage averaging just $1,720 annually, you're saving $812/year compared to the typical CA driver.

Sonora Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $812/year with smart coverage.

Weather & Environmental Risk Factors

Very High Risk Level — Extreme (WUI)

Heavy snow, ice, wildfire. Annual rainfall 40 inches, 30+ inches snow.

Annual Weather Data

Thunderstorm Days 10 per year
Annual Rainfall 40 inches
Annual Snowfall 35 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Sonora
  • Jamestown
  • Tuolumne

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

July August September

Common Weather-Related Claims

Snow/ice collision

Coverage: Collision

Smoke damage

Coverage: Comprehensive

Rockfall on CA-108

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Snow tires mandatory Nov–Apr
  • Carry chains + shovel

Wildfire Season

  • Check Caltrans R-2
  • Evacuation prep
Data Sources: CAL FIRE, Caltrans 2025

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Accident Risk Analysis

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

CA-108 mountain pass. At-fault rate 11.5%.

Key Statistics

At-Fault Rate (Sonora) 11.5%
National Average 12%
Commuter-Related Crashes 32%
Tourist-Related Crashes 28%

Premium Impact

Monthly Liability (Clean Record) $72
Monthly Full Coverage (Clean) $143
Annual Full Coverage $1,720
Savings vs. CA Average 32% lower

Common Accident Types

Tourist slowdown on CA-108

Ice skid on Mono Way

Rear-end in snow

High-Risk Intersections

Drive with Extra Caution at These Locations:

CA-49 & Washington St

CA-108 & Mono Way

Peak Accident Months

January July
Data Sources: CHP SWITRS 2023–2025

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Theft & Property Crime Risk

Low Risk Level — Motor vehicle theft rate...

Low. Theft 1.0 per 1,000.

Crime Statistics

Motor Vehicle Theft Rate 1 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 7 per 1,000
Burglary Rate 180 per 100,000
Violent Crime Rate 2 per 1,000

Most Stolen Vehicles in Sonora

  1. Ford F-150
  2. Toyota Tacoma

High Theft Zones

Exercise Extra Caution in These Areas:

Downtown parking

Recommended Anti-Theft Measures

Garage parking

Data Sources: Tuolumne Sheriff 2024

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Seasonal Driving Risks in Sonora

❄️

Winter

Snow, ice

🌸

Spring

Mudslides

☀️

Summer

Wildfire, tourists

🍂

Fall

Deer, early dark

🍂

Source

CAL FIRE

Source: CAL FIRE

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Claims Trends & Payouts in Sonora

Claim Distribution

Comprehensive42%
Collision48%
Liability10%

Average Payouts

Comprehensive$5,300
Collision$6,600

Notable Trends

Smoke Damage Claims +240% (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

Sonora Location & Geography

Gold Rush county seat. Historic downtown, gateway to Yosemite, pine forests, and mountain passes.

City
Sonora
State
CA (CA)
ZIP Codes
95370
County
Tuolumne County
Region
Sierra Nevada Foothills
Population
10,000
Growth Rate (2020-2025)
1.5%
Land Area
3.1 sq miles
Population Density
3,226 per sq mi
Elevation
1,795 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
None (micropolitan)

Major Roadways

CA-49

CA-108

Mono Way

Washington St

Stockton Rd

Insurance Cost Comparison

Coverage Type Sonora Average California Average National Average Your Savings
Full Coverage $1,720/year $2,532/year $2,030/year 32% lower

Demographics & Driving Behavior

Median age 52. 11% drivers 16–24. DUI 1.5 per 1,000.

Age Demographics

Median Age (Sonora) 52
U.S. Median Age 38.8
Drivers Aged 16-24 11%

DUI & Violations

DUI Rate (Sonora) 1.5 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +86%
Speeding (15+ mph) +18%
At-Fault Accident +36%

Frequently Asked Questions

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

Expert Recommendations for Sonora Drivers

Coverage & Savings Tips

  • Get your Sonora quote now.
  • Bundle for 30% savings.
  • Add comprehensive for snow and smoke.
  • Snow tire discount.
  • Clean record = max savings.
  • Avoid small claims.
  • Telematics for 45% off.

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Overall Risk Assessment

Moderate overall; 32% below CA average due to low crime and mature drivers. Elevated by snow, wildfire, and tourists. Annual full coverage $1,720.

Last Updated: 2025-11-07