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West Sacramento Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $960 less every year
Sacramento Valley Elevation 20 ft Population Pop. 53,000
$1,940
Avg. Full Coverage
23%
Below State Avg
28min
Avg. Commute
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$1,940 Avg. Annual Full Coverage
$162 Monthly Premium (Clean Record)
23% Below CA Average
$81 Monthly Liability Only
28 min Average Commute Time
Excellent News for West Sacramento Residents!
West Sacramento's auto insurance rates are 23% below CA average of $2,532/year. With comprehensive coverage averaging just $1,940 annually, you're saving $592/year compared to the typical CA driver.

West Sacramento Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $592/year with smart coverage.

Weather & Environmental Risk Factors

Moderate-High Risk Level — Low

Fog, wind, flooding. Annual rainfall 19 inches.

Annual Weather Data

Thunderstorm Days 5 per year
Annual Rainfall 19 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • None

Peak Risk Months

Flood Risk:

January February

Wildfire Risk:

N/A

Common Weather-Related Claims

River flood underpass

Coverage: Comprehensive

Fog crash on I-80

Coverage: Comprehensive

Weather Driving Safety Advice

Winter Preparation

  • Avoid flooded Harbor Blvd

Wildfire Season

  • Fog lights in winter
Data Sources: NOAA, Yolo OES

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Accident Risk Analysis

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

I-80 and bridges. At-fault rate 14.2%.

Key Statistics

At-Fault Rate (West Sacramento) 14.2%
National Average 12%
Commuter-Related Crashes 60%
Tourist-Related Crashes 8%

Premium Impact

Monthly Liability (Clean Record) $81
Monthly Full Coverage (Clean) $162
Annual Full Coverage $1,940
Savings vs. CA Average 23% lower

Common Accident Types

Bridge merge on I-80

Truck rear-end

Downtown gridlock

High-Risk Intersections

Drive with Extra Caution at These Locations:

I-80 & Reed Ave

US-50 & Jefferson Blvd

Harbor Blvd & Industrial Blvd

Peak Accident Months

January July
Data Sources: CHP SWITRS 2023–2025

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Theft & Property Crime Risk

High Risk Level — Motor vehicle theft rate...

High. Theft 3.8 per 1,000. Port and urban.

Crime Statistics

Motor Vehicle Theft Rate 3.8 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 22 per 1,000
Burglary Rate 680 per 100,000
Violent Crime Rate 4.5 per 1,000
Theft Increase (2023-2025) +20%

Most Stolen Vehicles in West Sacramento

  1. Honda Civic
  2. Toyota Tacoma
  3. Chevy Silverado

High Theft Zones

Exercise Extra Caution in These Areas:

Port of Sacramento

Raley Field

Warehouse districts

Recommended Anti-Theft Measures

Secure parking

GPS + alarm

Data Sources: West Sacramento PD 2024

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Seasonal Driving Risks in West Sacramento

❄️

Winter

Fog, flood

🌸

Spring

Wind

☀️

Summer

Heat

🍂

Fall

Early dark

🍂

Source

NWS

Source: NWS

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Claims Trends & Payouts in West Sacramento

Claim Distribution

Comprehensive34%
Collision58%
Liability8%

Average Payouts

Comprehensive$5,200
Collision$6,800

Notable Trends

Smoke Damage Claims +120% (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

West Sacramento Location & Geography

Port city across Sacramento River. Industrial, logistics, and Raley Field.

City
West Sacramento
State
CA (CA)
ZIP Codes
95605, 95691
County
Yolo County
Region
Sacramento Valley
Population
53,000
Growth Rate (2020-2025)
3.2%
Land Area
22.8 sq miles
Population Density
2,325 per sq mi
Elevation
20 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

I-80

US-50

I-5

Jefferson Blvd

Harbor Blvd

Reed Ave

Insurance Cost Comparison

Coverage Type West Sacramento Average California Average National Average Your Savings
Full Coverage $0/year $2,532/year $2,030/year 23% lower

Demographics & Driving Behavior

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

Age Demographics

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

DUI & Violations

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

Premium Increases

DUI Violation +84%
Speeding (15+ mph) +26%
At-Fault Accident +46%

Frequently Asked Questions

Credit in West Sacramento?
No. CA bans credit.
Comprehensive needed?
Yes — critical for fog and theft.
Red light cameras?
Yes.
Cheapest?
GEICO, Progressive, Mercury.

Expert Recommendations for West Sacramento Drivers

Coverage & Savings Tips

  • Get your West Sacramento quote now.
  • Bundle auto + renters for 25% savings.
  • Add comprehensive for fog and theft.
  • High mileage for commuters.
  • Clean record = max discount.
  • Avoid small claims.
  • Telematics for 38% off.

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Overall Risk Assessment

High overall; 23% below CA average due to transit and base rates. Elevated by I-80, port theft, and fog. Annual full coverage $1,940.

Last Updated: 2025-11-07