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Vineyard Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1010 less every year
Sacramento Valley Elevation 56 ft Population Pop. 25,000
$1,890
Avg. Full Coverage
25%
Below State Avg
32min
Avg. Commute
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$1,890 Avg. Annual Full Coverage
$158 Monthly Premium (Clean Record)
25% Below CA Average
$79 Monthly Liability Only
32 min Average Commute Time
Excellent News for Vineyard Residents!
Vineyard's auto insurance rates are 25% below CA average of $2,532/year. With comprehensive coverage averaging just $1,890 annually, you're saving $642/year compared to the typical CA driver.

Vineyard Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $642/year with smart coverage.

Weather & Environmental Risk Factors

Moderate Risk Level — Low-Moderate

Tule fog, heat. Annual rainfall 18 inches.

Annual Weather Data

Thunderstorm Days 4 per year
Annual Rainfall 18 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • None

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

August

Common Weather-Related Claims

Fog pileup on CA-99

Coverage: Collision

Heat-related tire blowout

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Fog lights; 30 mph in fog

Wildfire Season

  • Check tire pressure in summer
Data Sources: NOAA, Sacramento OES

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Accident Risk Analysis

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

CA-99 and growth. At-fault rate 13.1%.

Key Statistics

At-Fault Rate (Vineyard) 13.1%
National Average 12%
Commuter-Related Crashes 55%
Tourist-Related Crashes 4%

Premium Impact

Monthly Liability (Clean Record) $79
Monthly Full Coverage (Clean) $158
Annual Full Coverage $1,890
Savings vs. CA Average 25% lower

Common Accident Types

Rear-end on CA-99

School zone collision

Merge at Bradshaw & Gerber

High-Risk Intersections

Drive with Extra Caution at These Locations:

CA-99 & Elk Grove Blvd

Vineyard Rd & Bradshaw Rd

Gerber Rd & Waterman Rd

Peak Accident Months

January September
Data Sources: CHP SWITRS 2023–2025

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Theft & Property Crime Risk

Low-Moderate Risk Level — Motor vehicle theft rate...

Low-Moderate. Theft 1.6 per 1,000.

Crime Statistics

Motor Vehicle Theft Rate 1.6 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 8.5 per 1,000
Burglary Rate 220 per 100,000
Violent Crime Rate 1.8 per 1,000
Theft Increase (2023-2025) +6%

Most Stolen Vehicles in Vineyard

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

High Theft Zones

Exercise Extra Caution in These Areas:

Shopping centers

New construction sites

Recommended Anti-Theft Measures

Garage parking

Security system

Data Sources: Sacramento County Sheriff 2024

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Seasonal Driving Risks in Vineyard

❄️

Winter

Fog

🌸

Spring

Pollen

☀️

Summer

Heat

🍂

Fall

Early dark

🍂

Source

NWS

Source: NWS

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Claims Trends & Payouts in Vineyard

Claim Distribution

Comprehensive35%
Collision55%
Liability10%

Average Payouts

Comprehensive$4,600
Collision$6,200

Notable Trends

Smoke Damage Claims +110% (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

Vineyard Location & Geography

Fast-growing suburban enclave south of Sacramento. Family-oriented, new developments, and vineyard estates.

City
Vineyard
State
CA (CA)
ZIP Codes
95829, 95830
County
Sacramento County
Region
Sacramento Valley
Population
25,000
Growth Rate (2020-2025)
4.5%
Land Area
9.2 sq miles
Population Density
2,717 per sq mi
Elevation
56 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

CA-99

Elk Grove Blvd

Bradshaw Rd

Gerber Rd

Vineyard Rd

Insurance Cost Comparison

Coverage Type Vineyard Average California Average National Average Your Savings
Full Coverage $1,890/year $2,532/year $2,030/year 25% lower

Demographics & Driving Behavior

Median age 37. 22% drivers 16–24. DUI 2.1 per 1,000.

Age Demographics

Median Age (Vineyard) 37
U.S. Median Age 38.8
Drivers Aged 16-24 22%

DUI & Violations

DUI Rate (Vineyard) 2.1 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +82%
Speeding (15+ mph) +23%
At-Fault Accident +42%

Frequently Asked Questions

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

Expert Recommendations for Vineyard Drivers

Coverage & Savings Tips

  • Get your Vineyard quote now.
  • Bundle auto + home for 30% savings.
  • Add comprehensive for fog.
  • New home = multi-policy discount.
  • Clean record = max savings.
  • Avoid small claims.
  • Telematics for 42% off.

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Overall Risk Assessment

Moderate-High overall; 25% below CA average due to family drivers and low crime. Elevated by CA-99 and fog. Annual full coverage $1,890.

Last Updated: 2025-11-07