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Woodland Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1020 less every year
Sacramento Valley Elevation 69 ft Population Pop. 62,000
$1,880
Avg. Full Coverage
26%
Below State Avg
30min
Avg. Commute
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$1,880 Avg. Annual Full Coverage
$157 Monthly Premium (Clean Record)
26% Below CA Average
$78 Monthly Liability Only
30 min Average Commute Time
Excellent News for Woodland Residents!
Woodland's auto insurance rates are 26% below CA average of $2,532/year. With comprehensive coverage averaging just $1,880 annually, you're saving $652/year compared to the typical CA driver.

Woodland Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $652/year with smart coverage.

Weather & Environmental Risk Factors

Moderate Risk Level — Low

Fog, heat. Annual rainfall 20 inches.

Annual Weather Data

Thunderstorm Days 4 per year
Annual Rainfall 20 inches
Wildfire Exposure High Risk

Wildfire Evacuation Zones

  • None

Peak Risk Months

Flood Risk:

January

Wildfire Risk:

N/A

Common Weather-Related Claims

Fog crash on I-5

Coverage: Comprehensive

Heat damage

Coverage: Collision

Weather Driving Safety Advice

Winter Preparation

  • Fog lights; 30 mph in fog

Wildfire Season

  • Watch farm crossings
Data Sources: NOAA, Yolo OES

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Accident Risk Analysis

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

I-5 and rural. At-fault rate 13.0%.

Key Statistics

At-Fault Rate (Woodland) 13%
National Average 12%
Commuter-Related Crashes 50%
Tourist-Related Crashes 6%

Premium Impact

Monthly Liability (Clean Record) $78
Monthly Full Coverage (Clean) $157
Annual Full Coverage $1,880
Savings vs. CA Average 26% lower

Common Accident Types

Rear-end on I-5

Farm equipment merge

Downtown gridlock

High-Risk Intersections

Drive with Extra Caution at These Locations:

I-5 & CA-113

East St & Main St

West St & Gibson 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 2.1 per 1,000.

Crime Statistics

Motor Vehicle Theft Rate 2.1 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 12 per 1,000
Burglary Rate 340 per 100,000
Violent Crime Rate 2.8 per 1,000
Theft Increase (2023-2025) +10%

Most Stolen Vehicles in Woodland

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

High Theft Zones

Exercise Extra Caution in These Areas:

Downtown parking

County Fair Mall

Recommended Anti-Theft Measures

Covered parking

Steering lock

Data Sources: Woodland PD 2024

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Seasonal Driving Risks in Woodland

❄️

Winter

Fog

🌸

Spring

Pollen

☀️

Summer

Heat

🍂

Fall

Early dark

🍂

Source

NWS

Source: NWS

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Claims Trends & Payouts in Woodland

Claim Distribution

Comprehensive33%
Collision56%
Liability11%

Average Payouts

Comprehensive$4,700
Collision$6,300

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

Woodland Location & Geography

Agricultural and government center. Yolo County seat, UC Davis proximity, and historic downtown.

City
Woodland
State
CA (CA)
ZIP Codes
95695, 95776
County
Yolo County
Region
Sacramento Valley
Population
62,000
Growth Rate (2020-2025)
2.7%
Land Area
15.3 sq miles
Population Density
4,052 per sq mi
Elevation
69 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Sacramento-Roseville-Folsom, CA MSA

Major Roadways

I-5

CA-113

East St

Main St

West St

Insurance Cost Comparison

Coverage Type Woodland Average California Average National Average Your Savings
Full Coverage $1,880/year $2,532/year $2,030/year 26% lower

Demographics & Driving Behavior

Median age 38. 21% drivers 16–24. DUI 2.4 per 1,000.

Age Demographics

Median Age (Woodland) 38
U.S. Median Age 38.8
Drivers Aged 16-24 21%

DUI & Violations

DUI Rate (Woodland) 2.4 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +83%
Speeding (15+ mph) +24%
At-Fault Accident +43%

Frequently Asked Questions

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

Expert Recommendations for Woodland Drivers

Coverage & Savings Tips

  • Get your Woodland quote now.
  • Bundle auto + home for 26% savings.
  • Add comprehensive for fog.
  • Student discounts for UC Davis.
  • Clean record = max savings.
  • Avoid small claims.
  • Telematics for 40% off.

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Overall Risk Assessment

Moderate-High overall; 26% below CA average due to transit and lower theft. Elevated by I-5 and fog. Annual full coverage $1,880.

Last Updated: 2025-11-07