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Tracy Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $980 less every year
San Joaquin Valley Elevation 52 ft Population Pop. 98,000
$1,920
Avg. Full Coverage
24%
Below State Avg
42min
Avg. Commute
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$1,920 Avg. Annual Full Coverage
$160 Monthly Premium (Clean Record)
24% Below CA Average
$80 Monthly Liability Only
42 min Average Commute Time
Excellent News for Tracy Residents!
Tracy's auto insurance rates are 24% below CA average of $2,532/year. With comprehensive coverage averaging just $1,920 annually, you're saving $612/year compared to the typical CA driver.

Tracy Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $612/year with smart coverage.

Weather & Environmental Risk Factors

Moderate Risk Level — Low-Moderate

Wind, fog, heat. Annual rainfall 12 inches.

Annual Weather Data

Thunderstorm Days 3 per year
Annual Rainfall 12 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Tracy Hills

Peak Risk Months

Flood Risk:

January

Wildfire Risk:

August

Common Weather-Related Claims

Wind gust swerve

Coverage: Collision

Fog on I-205

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Secure cargo in wind

Wildfire Season

  • Fog lights on Altamont
Data Sources: NOAA, San Joaquin OES

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Accident Risk Analysis

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

I-5 and growth. At-fault rate 13.9%.

Key Statistics

At-Fault Rate (Tracy) 13.9%
National Average 12%
Commuter-Related Crashes 58%
Tourist-Related Crashes 5%

Premium Impact

Monthly Liability (Clean Record) $80
Monthly Full Coverage (Clean) $160
Annual Full Coverage $1,920
Savings vs. CA Average 24% lower

Common Accident Types

Rear-end on I-5

Truck merge at Lammers Rd

Intersection at Tracy Blvd & 11th St

High-Risk Intersections

Drive with Extra Caution at These Locations:

I-5 & I-205

I-5 & Tracy Blvd

CA-132 & Corral Hollow Rd

Peak Accident Months

January August
Data Sources: CHP SWITRS 2023–2025

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Theft & Property Crime Risk

Moderate Risk Level — Motor vehicle theft rate...

Moderate. Theft 2.4 per 1,000.

Crime Statistics

Motor Vehicle Theft Rate 2.4 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 12.5 per 1,000
Burglary Rate 350 per 100,000
Violent Crime Rate 3.2 per 1,000
Theft Increase (2023-2025) +10%

Most Stolen Vehicles in Tracy

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

High Theft Zones

Exercise Extra Caution in These Areas:

Warehouse lots

West Valley Mall

Recommended Anti-Theft Measures

Covered parking

GPS tracking

Data Sources: Tracy PD 2024

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Seasonal Driving Risks in Tracy

❄️

Winter

Fog, wind

🌸

Spring

Pollen

☀️

Summer

Heat

🍂

Fall

Early dark

🍂

Source

NWS

Source: NWS

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Claims Trends & Payouts in Tracy

Claim Distribution

Comprehensive34%
Collision56%
Liability10%

Average Payouts

Comprehensive$4,800
Collision$6,500

Notable Trends

Smoke Damage Claims +130% (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

Tracy Location & Geography

Fast-growing logistics hub. Amazon, warehouses, and Bay Area bedroom community.

City
Tracy
State
CA (CA)
ZIP Codes
95304, 95376, 95377, 95391
County
San Joaquin County
Region
San Joaquin Valley
Population
98,000
Growth Rate (2020-2025)
4.1%
Land Area
26 sq miles
Population Density
3,769 per sq mi
Elevation
52 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
San Jose-Sunnyvale-Santa Clara, CA MSA

Major Roadways

I-5

I-205

CA-132

Tracy Blvd

Lammers Rd

Byron Rd

Insurance Cost Comparison

Coverage Type Tracy Average California Average National Average Your Savings
Full Coverage $1,920/year $2,532/year $2,030/year 24% lower

Demographics & Driving Behavior

Median age 36. 23% drivers 16–24. DUI 2.7 per 1,000.

Age Demographics

Median Age (Tracy) 36
U.S. Median Age 38.8
Drivers Aged 16-24 23%

DUI & Violations

DUI Rate (Tracy) 2.7 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +82%
Speeding (15+ mph) +25%
At-Fault Accident +44%

Frequently Asked Questions

Credit in Tracy?
No. CA bans credit.
Comprehensive needed?
Yes — for wind and fog.
Red light cameras?
Yes.
Cheapest?
GEICO, Progressive, Tesla Insurance.

Expert Recommendations for Tracy Drivers

Coverage & Savings Tips

  • Get your Tracy quote now.
  • Bundle auto + home for 28% savings.
  • Add comprehensive for wind.
  • High mileage discount for commuters.
  • Clean record = max savings.
  • Avoid small claims.
  • Telematics for 42% off.

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Overall Risk Assessment

High overall; 24% below CA average due to growth and transit. Elevated by long commutes and traffic. Annual full coverage $1,920.

Last Updated: 2025-11-07