Camino drivers face a 36-minute average commute, so a quote that fits your daily miles is worth a few minutes to compare.
How Much Does Car Insurance Cost in Camino?
Long commutes mean more annual mileage, and Prop 103 counts mileage and driving record among the biggest rating factors. Vehicle theft in El Dorado County is low at about 0.5 per thousand people, compared with a state average of 3.2.
| Factor | Camino | California |
|---|---|---|
| Average commute | 36 min | 29 min |
| Homes with 2+ cars | 82% | 63% |
| Car thefts per 1,000 (El Dorado County) | 0.5 | 3.2 |
| ZIP codes | 1 |
Why Camino Drivers Compare Quotes With A1
Carriers weigh mileage, experience and record differently, so the same Camino driver can see quite different prices from one company to the next. An independent agency that compares several California carriers at once saves you from asking each one yourself.
About Camino, California
Camino sits at about 3,100 feet in El Dorado County, a small community of roughly 2,000 people spread over 2.6 square miles. Most neighbors are close by, with Pollock Pines 5 miles away and Placerville 6 miles away. US-50 runs through or near the area, and the sheriff handles local policing while the CHP covers the highways.
- County
- El Dorado County
- Population
- 1,968 (Census est.)
- Major routes
- US-50
Driving in Camino: What to Know
Commutes here average about 36 minutes, well above the state average of 29, and that ranks fourth among 15 El Dorado County communities. About 76% of workers drive alone and nobody relies on public transit, so a car is essential. Around 82% of households have two or more vehicles, compared with 63% statewide, which means many families insure more than one car. Mileage on US-50 adds up, so make sure your quote reflects how far you really drive each year.
State highways through or near Camino:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Camino
The nearest DMV office is Placerville DMV at 2919 Cold Springs Rd., about 8 miles from Camino. That is a short drive, but it is worth booking an appointment so a renewal or registration change takes one trip.
Nearest DMV: Placerville
2919 Cold Springs Rd., Placerville, CA 95667
About 7.8 miles from Camino
California Car Insurance Rules for Camino Drivers
Because commutes are long, accurate annual mileage matters, since it is one of the top factors insurers must weigh. If your record is clean, ask about the Good Driver Discount, which is at least 20% for those who qualify.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Camino ZIP Codes and Nearby Areas
ZIP codes in Camino:
Nearby cities and communities:
More About Camino
Camino sits in the Sierra foothills east of Placerville, a community known for its apple orchards and cool, pine-scented air, and here's what locals love:
- Apple Hill. Camino is the heart of this famous collection of family farms, where fall brings fresh cider donuts, pies, pick-your-own apples and hayrides.
- Small-town foothill living. Camino is an unincorporated community, with oak and pine woods, quiet country roads and a friendly, rural feel at about 3,000 feet in elevation.
- Historic Placerville. Just down Highway 50, the Gold Rush town of Placerville has a walkable Main Street with old brick buildings, local restaurants and shops.
- Day trips to Tahoe. Lake Tahoe is roughly an hour and a half up Highway 50, so beaches, ski resorts and alpine hiking are an easy getaway.
Camino Car Insurance FAQ
Will my long commute raise my insurance price in Camino?
It can, because annual mileage is one of the main factors under Prop 103. If you work from home some days, tell the carrier so your mileage estimate is accurate.
Is comprehensive coverage worth it in Camino given local theft?
Not compared with the state. El Dorado County reported about 0.5 thefts per thousand people against 3.2 statewide, though comprehensive still covers theft, fire, flood and vandalism if you want it.
How do I insure several cars in a Camino household?
Many homes here have two or more vehicles, so ask for quotes on all of them together. Comparing carriers shows which one prices your full set of drivers and cars best.