(916) 365-4988 Get Free Quote

Sutter Creek Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1180 less every year
Sierra Foothills Elevation 1,193 ft Population Pop. 2,500
$1,720
Avg. Full Coverage
32%
Below State Avg
30min
Avg. Commute
Get Free Quote - Save $800

Compare 10+ top carriers • Sutter Creek-specific rates • Zero spam

$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 Sutter Creek Residents!
Sutter Creek'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.

Sutter Creek Auto Insurance Risk Report 2025

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

Weather & Environmental Risk Factors

Moderate-High Risk Level — Very High (WUI)

Foothill snow, heat, wildfire. Annual rainfall 36 inches.

Annual Weather Data

Thunderstorm Days 7 per year
Annual Rainfall 36 inches
Annual Snowfall 10 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Sutter Creek
  • Amador City
  • Volcano

Peak Risk Months

Flood Risk:

February March

Wildfire Risk:

July August

Common Weather-Related Claims

Rockfall on CA-88

Coverage: Collision

Smoke damage

Coverage: Comprehensive

Ice on Ridge Rd

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Snow tires in winter

Wildfire Season

  • Check Caltrans

General Safety

  • Avoid night driving
Data Sources: CAL FIRE, Caltrans 2025

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

Get Your Free Quote Now →

Accident Risk Analysis

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

CA-49 curves, tourists. At-fault rate 11.5%.

Key Statistics

At-Fault Rate (Sutter Creek) 11.5%
National Average 12%
Commuter-Related Crashes 32%
Tourist-Related Crashes 42%

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 Main St

Winery parking

Deer on CA-49

High-Risk Intersections

Drive with Extra Caution at These Locations:

CA-49 & CA-88

Main St & Ridge Rd

Old Sutter Creek Rd & Church St

Peak Accident Months

October (harvest) December (holidays)
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

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

Very 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 6.8 per 1,000
Burglary Rate 160 per 100,000
Violent Crime Rate 1.2 per 1,000
Theft Increase (2023-2025) +4%

Most Stolen Vehicles in Sutter Creek

  1. Ford F-150
  2. Toyota Tacoma
  3. Subaru Outback

High Theft Zones

Exercise Extra Caution in These Areas:

Downtown parking

Winery lots

Recommended Anti-Theft Measures

Street parking awareness

Lock doors

Data Sources: Amador Sheriff 2024

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

Get Your Free Quote Now →

Seasonal Driving Risks in Sutter Creek

❄️

Winter

Ice

🌸

Spring

Rockfall

☀️

Summer

Smoke

🍂

Fall

Deer

🍂

Source

CAL FIRE

Source: CAL FIRE

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

Get Your Free Quote Now →

Claims Trends & Payouts in Sutter Creek

Claim Distribution

Comprehensive50%
Collision43%
Liability7%

Average Payouts

Comprehensive$5,900
Collision$6,700

Notable Trends

Smoke Damage Claims +260% (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

Sutter Creek Location & Geography

Gold Country historic town. Wineries, antiques, and CA-49 corridor.

City
Sutter Creek
State
CA (CA)
ZIP Codes
95685
County
Amador County
Region
Sierra Foothills
Population
2,500
Growth Rate (2020-2025)
2.0%
Land Area
2.6 sq miles
Population Density
962 per sq mi
Elevation
1,193 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

CA-49

CA-88

Ridge Rd

Main St

Old Sutter Creek Rd

Insurance Cost Comparison

Coverage Type Sutter Creek Average California Average National Average Your Savings
Full Coverage $0/year $2,532/year $2,030/year 32% lower

Demographics & Driving Behavior

Median age 55. 10% drivers 16–24. DUI 1.4 per 1,000.

Age Demographics

Median Age (Sutter Creek) 55
U.S. Median Age 38.8
Drivers Aged 16-24 10%

DUI & Violations

DUI Rate (Sutter Creek) 1.4 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +86%
Speeding (15+ mph) +18%
At-Fault Accident +34%

Frequently Asked Questions

Credit in Sutter Creek?
No. CA bans credit.
Comprehensive needed?
Yes — critical for wildfire.
Cameras?
No.
Cheapest?
GEICO, Progressive, Allstate.

Expert Recommendations for Sutter Creek Drivers

Coverage & Savings Tips

  • Get your Sutter Creek quote now.
  • Bundle for 36% savings.
  • Add comprehensive for smoke.
  • Snow tire discount.
  • Clean record = max savings.
  • Avoid small claims.
  • Telematics for 52% off.

Ready to Save on Auto Insurance in Sutter Creek?

Get your personalized quote in under 2 minutes.

Get Free Quote Now

Overall Risk Assessment

Moderate overall; 32% below CA average due to low crime, mature drivers, and tourism base rates. Elevated by wildfire and foothill roads. Annual full coverage $1,720.

Last Updated: 2025-11-07