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Vacaville Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1070 less every year
Sacramento Valley / Bay Area Elevation 174 ft Population Pop. 102,000
$1,830
Avg. Full Coverage
28%
Below State Avg
32min
Avg. Commute
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$1,830 Avg. Annual Full Coverage
$153 Monthly Premium (Clean Record)
28% Below CA Average
$76 Monthly Liability Only
32 min Average Commute Time
Excellent News for Vacaville Residents!
Vacaville's auto insurance rates are 28% below CA average of $2,532/year. With comprehensive coverage averaging just $1,830 annually, you're saving $702/year compared to the typical CA driver.

Vacaville Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $702/year with smart coverage.

Weather & Environmental Risk Factors

Moderate Risk Level — Moderate (WUI)

Valley fog, heat, wind. Annual rainfall 24 inches.

Annual Weather Data

Thunderstorm Days 5 per year
Annual Rainfall 24 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • Vacaville Hills
  • Pleasants Valley

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

July August

Common Weather-Related Claims

Fog crash on I-80

Coverage: Comprehensive

Wind-blown debris

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Fog lights; 35 mph in fog

Wildfire Season

  • Secure items in wind
Data Sources: NOAA, Solano OES

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Accident Risk Analysis

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

I-80 and retail. At-fault rate 13.4%.

Key Statistics

At-Fault Rate (Vacaville) 13.4%
National Average 12%
Commuter-Related Crashes 48%
Tourist-Related Crashes 12%

Premium Impact

Monthly Liability (Clean Record) $76
Monthly Full Coverage (Clean) $153
Annual Full Coverage $1,830
Savings vs. CA Average 28% lower

Common Accident Types

Rear-end on I-80

Outlet lot collision

Intersection at Vaca Valley & Nut Tree

High-Risk Intersections

Drive with Extra Caution at These Locations:

I-80 & Peabody Rd

I-505 & Vaca Valley Pkwy

Nut Tree Rd & Orange Dr

Peak Accident Months

January December
Data Sources: CHP SWITRS 2023–2025

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Theft & Property Crime Risk

High Risk Level — Motor vehicle theft rate...

High. Theft 3.2 per 1,000. Mall and urban.

Crime Statistics

Motor Vehicle Theft Rate 3.2 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 15.8 per 1,000
Burglary Rate 450 per 100,000
Violent Crime Rate 3.5 per 1,000
Theft Increase (2023-2025) +18%

Most Stolen Vehicles in Vacaville

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

High Theft Zones

Exercise Extra Caution in These Areas:

Premium Outlets

Nut Tree Plaza

Costco

Recommended Anti-Theft Measures

Covered parking

Alarm + GPS

Data Sources: Vacaville PD 2024

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Seasonal Driving Risks in Vacaville

❄️

Winter

Fog

🌸

Spring

Pollen

☀️

Summer

Heat

🍂

Fall

Early dark

🍂

Source

NWS

Source: NWS

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Claims Trends & Payouts in Vacaville

Claim Distribution

Comprehensive32%
Collision58%
Liability10%

Average Payouts

Comprehensive$4,800
Collision$6,300

Notable Trends

Smoke Damage Claims +140% (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

Vacaville Location & Geography

Retail and biotech hub. Outlet malls, Genentech, and I-80 corridor between Sacramento and Bay Area.

City
Vacaville
State
CA (CA)
ZIP Codes
95687, 95688
County
Solano County
Region
Sacramento Valley / Bay Area
Population
102,000
Growth Rate (2020-2025)
2.8%
Land Area
29.4 sq miles
Population Density
3,470 per sq mi
Elevation
174 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Vallejo-Fairfield, CA MSA

Major Roadways

I-80

I-505

Vaca Valley Pkwy

Nut Tree Rd

Peabody Rd

Insurance Cost Comparison

Coverage Type Vacaville Average California Average National Average Your Savings
Full Coverage $1,830/year $2,532/year $2,030/year 28% lower

Demographics & Driving Behavior

Median age 39. 20% drivers 16–24. DUI 2.3 per 1,000.

Age Demographics

Median Age (Vacaville) 39
U.S. Median Age 38.8
Drivers Aged 16-24 20%

DUI & Violations

DUI Rate (Vacaville) 2.3 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +81%
Speeding (15+ mph) +24%
At-Fault Accident +44%

Frequently Asked Questions

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

Expert Recommendations for Vacaville Drivers

Coverage & Savings Tips

  • Get your Vacaville quote now.
  • Bundle auto + home for 27% savings.
  • Add comprehensive for fog and theft.
  • Biotech workers: High mileage plans.
  • Clean record = max discount.
  • Avoid small claims.
  • Telematics for 40% off.

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Overall Risk Assessment

Moderate-High overall; 28% below CA average due to family drivers and transit. Elevated by I-80, mall theft, and fog. Annual full coverage $1,830.

Last Updated: 2025-11-07