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Yuba City Auto Insurance 2025

Same coverage as Sacramento drivers — pay up to $1040 less every year
Sacramento Valley Elevation 59 ft Population Pop. 71,000
$1,860
Avg. Full Coverage
27%
Below State Avg
28min
Avg. Commute
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$1,860 Avg. Annual Full Coverage
$155 Monthly Premium (Clean Record)
27% Below CA Average
$78 Monthly Liability Only
28 min Average Commute Time
Excellent News for Yuba City Residents!
Yuba City's auto insurance rates are 27% below CA average of $2,532/year. With comprehensive coverage averaging just $1,860 annually, you're saving $672/year compared to the typical CA driver.

Yuba City Auto Insurance Risk Report 2025

Weather, accidents, theft, and seasonal risks — save up to $672/year with smart coverage.

Weather & Environmental Risk Factors

Moderate-High Risk Level — Low

Fog, heat, flooding. Annual rainfall 22 inches.

Annual Weather Data

Thunderstorm Days 5 per year
Annual Rainfall 22 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 CA-99

Coverage: Comprehensive

Weather Driving Safety Advice

Winter Preparation

  • Avoid flooded Bridge St

Wildfire Season

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

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Accident Risk Analysis

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

CA-99 and rural. At-fault rate 12.8%.

Key Statistics

At-Fault Rate (Yuba City) 12.8%
National Average 12%
Commuter-Related Crashes 48%
Tourist-Related Crashes 5%

Premium Impact

Monthly Liability (Clean Record) $78
Monthly Full Coverage (Clean) $155
Annual Full Coverage $1,860
Savings vs. CA Average 27% lower

Common Accident Types

Rear-end on CA-99

Farm equipment merge

Intersection at Colusa & Bridge

High-Risk Intersections

Drive with Extra Caution at These Locations:

CA-99 & CA-20

Bridge St & Colusa Ave

Live Oak Blvd & Tharp 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 2.0 per 1,000.

Crime Statistics

Motor Vehicle Theft Rate 2 per 1,000
National Average 1.7 per 1,000
Property Crime Rate 11.5 per 1,000
Burglary Rate 320 per 100,000
Violent Crime Rate 2.9 per 1,000
Theft Increase (2023-2025) +9%

Most Stolen Vehicles in Yuba City

  1. Honda...

High Theft Zones

Exercise Extra Caution in These Areas:

Downtown parking

Walmart

Recommended Anti-Theft Measures

Covered parking

Alarm

Data Sources: Yuba City PD 2024

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Seasonal Driving Risks in Yuba City

❄️

Winter

Fog, flood

🌸

Spring

Pollen

☀️

Summer

Heat

🍂

Fall

Early dark

🍂

Source

NWS

Source: NWS

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Claims Trends & Payouts in Yuba City

Claim Distribution

Comprehensive34%
Collision55%
Liability11%

Average Payouts

Comprehensive$4,600
Collision$6,200

Notable Trends

Smoke Damage Claims +100% (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

Yuba City Location & Geography

Agricultural hub. Rice, peaches, and Feather River. Sutter Buttes nearby.

City
Yuba City
State
CA (CA)
ZIP Codes
95991, 95993
County
Sutter County
Region
Sacramento Valley
Population
71,000
Growth Rate (2020-2025)
2.1%
Land Area
15 sq miles
Population Density
4,733 per sq mi
Elevation
59 feet
Climate Zone
Hot-summer Mediterranean (Csa)
Metro Area
Yuba City, CA MSA

Major Roadways

CA-99

CA-20

Bridge St

Colusa Ave

Live Oak Blvd

Insurance Cost Comparison

Coverage Type Yuba City Average California Average National Average Your Savings
Full Coverage $0/year $2,532/year $2,030/year 27% lower

Demographics & Driving Behavior

Median age 36. 22% drivers 16–24. DUI 2.5 per 1,000.

Age Demographics

Median Age (Yuba City) 36
U.S. Median Age 38.8
Drivers Aged 16-24 22%

DUI & Violations

DUI Rate (Yuba City) 2.5 per 1,000
California Average 2.8 per 1,000

Premium Increases

DUI Violation +83%
Speeding (15+ mph) +23%
At-Fault Accident +42%

Frequently Asked Questions

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

Expert Recommendations for Yuba City Drivers

Coverage & Savings Tips

  • Get your Yuba City quote now.
  • Bundle auto + home for 25% savings.
  • Add comprehensive for flood.
  • Farm vehicle coverage available.
  • Clean record = max savings.
  • Avoid small claims.
  • Telematics for 38% off.

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Overall Risk Assessment

Moderate overall; 27% below CA average due to lower density and crime. Elevated by fog and farm roads. Annual full coverage $1,860.

Last Updated: 2025-11-07