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The City of Placerville is centrally located between Sacramento, the State capitol, and South Lake Tahoe. Placerville boasts an ideal climate with four distinct seasons, and all the available outdoor activities to go along with it. Accessibility to Placerville is via State Highway 49 and U.S. Highway 50, along one of the most traveled corridors in California. The cost of living in Placerville is 16% lower than the California average, and 14% higher than the national average. The city has a very rich history, including the site of the Pony Express where 80 riders including William, “Buffalo Bill” Cody, relayed mail by horseback between Missouri and Sacramento. It’s location and high cost of living make it very important to understand all the options for cheap car insurance Placerville has available.

The Placerville Police Department is comprised of 20 Sworn Officers and 11 Professional Staff, and includes a K9 Unit, and a bike patrol program, as well as a neighborhood watch program. The overall crime rate in Placerville is 13% higher than the national average, yet  Placerville is safer than 41% of the cities in the United States. Crime involving property stands 16% higher than the remainder of the state of California and 22% higher than the nation’s average. These statistics are important factors in determining the cost of your auto insurance.

Placerville Insurance Requirements

All California state residents are required to have the basic liability insurance coverage in the following limits:

  • $5,000 of property damage liability per incident
  • $15,000 of bodily injury liability per person
  • $30,000 of bodily injury liability per incident

The minimum coverage may be all the law requires, but Placerville has a large population of higher income residents, and lots of traffic. This can put you at risk for more than what is covered by just liability. Car repairs and towing can quickly wipe out your savings, so consider adding these options for the best cheap car insurance Placerville can provide.

  • Collision
  • Towing and labor
  • Comprehensive
  • Rental reimbursement
  • Uninsured motorist bodily injury

Placerville Public Transportation

There are 7 Amtrak train stations within 30 miles of the Placerville city center, and bus service is provided by El Dorado Transit. The average travel time to work in Placerville is 7% higher than the national average, and the number of people who carpool to work in Placerville is 1% higher than the national average. The farther you commute, the longer you’re on the road, and that increases your risk of being involved in an accident. Reduce your risk and your insurance costs by using public transportation or carpooling.