Diamond Springs drivers enjoy a short 21-minute average commute, and comparing car insurance quotes here with A1 is quick and free.
How Much Does Car Insurance Cost in Diamond Springs?
Prop 103 says your driving record, yearly mileage and years of experience count most, so a short commute can help keep your mileage down. Vehicle theft is low across El Dorado County at about 0.5 per thousand people, compared with 3.2 statewide, which is a good sign for comprehensive coverage costs.
| Factor | Diamond Springs | California |
|---|---|---|
| Average commute | 21 min | 29 min |
| Homes with 2+ cars | 63% | 63% |
| Car thefts per 1,000 (El Dorado County) | 0.5 | 3.2 |
| ZIP codes | 3 |
Why Diamond Springs Drivers Compare Quotes With A1
Each carrier weighs the same rating factors a little differently, so the same driver can get very different quotes. A1 is not tied to any single insurer; it compares several California carriers and the quote is free.
About Diamond Springs, California
Diamond Springs is an unincorporated community in El Dorado County, covering about 17 square miles at roughly 1,800 feet in elevation. About 12,600 people live here, and the county sheriff handles policing. Placerville is only 3 miles away, with Cold Springs, Shingle Springs and Cameron Park also close by.
- County
- El Dorado County
- Population
- 12,642 (Census est.)
- Major routes
- US-50, SR-49
Driving in Diamond Springs: What to Know
Most residents drive alone to work, about 71%, a bit above the state figure of 67%. The average commute is about 21 minutes, well under the state average of 29, though it ranks 13th of 15 in the county. US-50 and SR-49 run through or near the community, and CHP patrols those highways. Around 63% of households have two or more vehicles, so many families will want to compare multi-car pricing and the right coverage for each vehicle.
State highways through or near Diamond Springs:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Diamond Springs
The nearest DMV office is Placerville DMV at 2919 Cold Springs Rd., about 3 miles away. Traffic matters go to the Superior Court of California, County of El Dorado.
Nearest DMV: Placerville
2919 Cold Springs Rd., Placerville, CA 95667
About 3 miles from Diamond Springs
California Car Insurance Rules for Diamond Springs Drivers
California's minimum liability is 30/60/15, meaning $30,000 per person, $60,000 per accident and $15,000 for property damage. Drivers with a clean record may qualify for a Good Driver Discount of at least 20%, and credit scores can't be used to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Diamond Springs ZIP Codes and Nearby Areas
ZIP codes in Diamond Springs:
Nearby cities and communities:
More About Diamond Springs
Diamond Springs is an unincorporated Gold Rush-era community in the Sierra foothills, just south of Placerville, where oak-covered hills and old mining history set the pace. Here’s what locals love:
- Gold Rush roots. Founded during the 1849 gold boom, the community sits near Highway 49, the route named for the miners who flooded these hills.
- The El Dorado Trail. This multi-use trail follows an old rail corridor through the area, a easy choice for walking, biking or riding a horse among the oaks.
- Apple Hill in the fall. Just east of Placerville, dozens of family farms open for apple picking, fresh cider donuts and pies every autumn, and it's a beloved local tradition.
- Coloma and Fair Play nearby. Marshall Gold Discovery State Historic Park, where the 1848 gold find happened, is a short drive away, as are the foothill wineries around Fair Play.
Diamond Springs Car Insurance FAQ
Does a short commute in Diamond Springs lower my insurance cost?
It can help, because annual mileage is one of the most important rating factors under Prop 103. With an average commute of about 21 minutes, many local drivers log fewer miles than the typical Californian.
Is comprehensive coverage worth it with theft being low here?
Theft is low in El Dorado County, about 0.5 per thousand people. Comprehensive also covers fire, flood and vandalism, and liability-only will not cover your own car, so it still matters for a vehicle you rely on.
How can I get quotes in Diamond Springs?
A1 can compare quotes from multiple California carriers for you at no cost. You can call, text or use the form.