Coloma drivers can compare free car insurance quotes from several California carriers, and a short 20-minute average commute may help keep costs in check.
How Much Does Car Insurance Cost in Coloma?
Coloma's average commute is about 20 minutes, well under the state's 29, and shorter drives mean lower annual mileage, which Prop 103 weighs heavily. Vehicle theft is also low here, at about 0.5 per thousand people in El Dorado County compared with 3.2 statewide.
| Factor | Coloma | California |
|---|---|---|
| Average commute | 20 min | 29 min |
| Homes with 2+ cars | 92% | 63% |
| Car thefts per 1,000 (El Dorado County) | 0.5 | 3.2 |
| ZIP codes | 3 |
Why Coloma Drivers Compare Quotes With A1
Every carrier weighs mileage, driving record and experience a little differently, so the same Coloma driver can get quite different prices. A1 is independent and compares quotes from several California carriers, so you can see the spread in one request by phone, text or the form.
About Coloma, California
Coloma is a small community of about 372 people spread over roughly 3.4 square miles, at an elevation of 764 feet. It sits in El Dorado County and is policed by the county sheriff, with the CHP patrolling the highways. Placerville is 7 miles away, and Roseville, the nearest city over 100,000, is about 23 miles off.
- County
- El Dorado County
- Population
- 372 (Census est.)
- Major routes
- SR-49, SR-153
Driving in Coloma: What to Know
Most people here drive themselves, with about 82% driving alone compared with 67% across California. Nobody in the data relies on public transit, and almost every household has two or more vehicles, so insurance usually covers several cars. SR-49 and SR-153 run through or near the community and are the main routes in and out. With short commutes and a lot of home-based work, many drivers log fewer miles, so it is worth reporting your real annual mileage.
State highways through or near Coloma:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Coloma
The nearest DMV office is Placerville DMV at 2919 Cold Springs Rd., about 6 miles from Coloma. That is a short drive, so renewals and registration visits are easy to fit into a normal day.
Nearest DMV: Placerville
2919 Cold Springs Rd., Placerville, CA 95667
About 6 miles from Coloma
California Car Insurance Rules for Coloma Drivers
Because commutes are short and mileage is low, the mileage factor under Prop 103 can work in your favor, so make sure your quote reflects how little you drive. If you have a clean record, you may also qualify for the Good Driver Discount of at least 20%.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Coloma ZIP Codes and Nearby Areas
ZIP codes in Coloma:
Nearby cities and communities:
Coloma Car Insurance FAQ
Does my short commute lower my car insurance in Coloma?
It can. Annual mileage is one of the main factors California insurers must weigh, and the average commute here is about 20 minutes. Give each carrier an accurate mileage figure when you compare.
Is vehicle theft a big worry around Coloma?
Not compared with the rest of the state. El Dorado County had about 0.5 thefts per thousand people in 2025, against 3.2 statewide. Comprehensive still covers theft, fire, flood and vandalism if you want that protection for your own car.
Do I need more than minimum coverage with several cars in my household?
The legal minimum is 30/60/15, which covers others but not your own vehicle. With most households here owning two or more vehicles, adding collision or comprehensive on the ones you rely on is worth pricing in your quotes.