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California Accident and Vehicle Theft Statistics

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Did you know that vehicle theft and accident statistics in your area of California can affect your auto insurance rates? Location is one of the many factors used by CA auto insurance companies to determine your rates.

Things such as the traffic congestion in your area, the number of accidents and the number of vehicle thefts can all play a part in the cost of your CA car insurance policy. The higher the number of accidents, higher amounts of traffic, and a higher number of vehicle thefts means more risk for the insurance company when insuring you. This in turn means a higher cost of auto insurance.

Here are some 2003 California crash statistics that may have had an affect on the cost of your auto insurance policy:

  • 4,215 people died in car crashes in CA.
  • 3 out of 10 crashes were alcohol related.
  • Of the car crash fatalities, 2,930 were passengers.
  • Over 4 out of 10 of the passenger fatalities were not wearing seatbelts.

Vehicle theft statistics can also affect a location’s auto insurance rates. In 2006, California was ranked number one for states with the highest number of vehicle thefts, followed by Texas and Florida. Also, on the top ten list of metro areas with the highest number of vehicle thefts were in 2008 were Modesto, San Diego, Bakersfield, Stockton, San Francisco, and Fresno.

In 2005, California was ranked number 17 for states with the highest auto insurance premiums. The average combined premium at this time was around $969. While many factors go into the determining cost of auto insurance premiums, no doubt California’s high level of traffic, car accidents and vehicle thefts have played some part in making CA one of the state’s with the highest cost of auto insurance.

Remember, the best way to find the lowest rates on your California auto insurance policy is by shopping around. Take a minute now to compare policies from top California car insurance providers to see if you can lower your rates today!

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