El Dorado Hills drivers can compare car insurance quotes from multiple California carriers with A1, whether you commute along US-50 or work from home.
How Much Does Car Insurance Cost in El Dorado Hills?
Prop 103 says your driving record, annual mileage and years of experience count most, so a long commute can matter here, where the average is about 31 minutes each way. Your ZIP code (95682 or 95762), your vehicle and the coverage you pick can also move the price.
| Factor | El Dorado Hills | California |
|---|---|---|
| Average commute | 31 min | 29 min |
| Homes with 2+ cars | 80% | 63% |
| Car thefts per 1,000 (El Dorado County) | 0.5 | 3.2 |
| ZIP codes | 2 |
Why El Dorado Hills Drivers Compare Quotes With A1
Each carrier weighs those factors a little differently, so the same driver can get quite different quotes. As an independent broker, A1 checks prices with several California carriers in one go, at no cost to you.
About El Dorado Hills, California
El Dorado Hills is an unincorporated community of about 50,500 people in El Dorado County, in the Sacramento Valley. It covers roughly 48 square miles and sits at about 764 feet of elevation. Folsom is 5 miles away, and Roseville, the nearest city over 100,000 people, is about 16 miles off.
- County
- El Dorado County
- Population
- 50,553 (Census est.)
- Major routes
- US-50
Driving in El Dorado Hills: What to Know
Most workers here drive alone, about 68 percent, which is close to the state figure. About 80 percent of households have two or more vehicles, well above the state's 63 percent, so many families may want to compare multi-car pricing. Only 0.4 percent of workers use public transit, and about 26 percent work from home compared with 15 percent statewide, which may mean fewer miles for some drivers. Vehicle theft is low, at about 0.5 per thousand people countywide in 2025 against 3.2 statewide, though comprehensive coverage still pays for theft, fire, flood and vandalism.
State highways through or near El Dorado Hills:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for El Dorado Hills
The nearest DMV office is Folsom DMV at 323 East Bidwell, Suite A, Folsom, about 6.5 miles away.
Nearest DMV: Folsom
323 East Bidwell, Suite A, Folsom, CA 95630
About 6.5 miles from El Dorado Hills
California Car Insurance Rules for El Dorado Hills Drivers
California's minimum liability is 30/60/15, which covers $30,000 per injured person, $60,000 per accident and $15,000 in property damage, but it does not pay to fix your own car. Drivers with a clean record can qualify for a Good Driver Discount of at least 20 percent, and credit scores and gender can't be used to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
El Dorado Hills ZIP Codes and Nearby Areas
ZIP codes in El Dorado Hills:
Nearby cities and communities:
More About El Dorado Hills
Set in the rolling oak-dotted foothills between Sacramento and the Sierra, El Dorado Hills is an unincorporated community with a relaxed, outdoorsy feel and Gold Country history right next door. Where to start:
- Town Center. An open-air hub of restaurants, shops and a central plaza where neighbors gather, with seasonal community events and plenty of patios for long evenings.
- Folsom Lake nearby. Folsom Lake State Recreation Area borders the community, with shoreline trails, boating, swimming and sunset views over the water.
- Bass Lake Regional Park. A local favorite for easy hikes and a quiet pond, it offers a peaceful nature break close to home.
- Gold Country and Apple Hill. Marshall Gold Discovery State Historic Park in Coloma, where gold was found in 1848, is close by, as are the fall orchards and foothill wineries of El Dorado County.
El Dorado Hills Car Insurance FAQ
Does my commute affect my car insurance rate in El Dorado Hills?
It can, because annual mileage is one of the top factors under Prop 103. The average commute here is about 31 minutes, a bit above the state's 29, so tell each carrier honestly how much you drive.
Do I need comprehensive coverage if theft is low here?
Theft is low in El Dorado County, at about 0.5 per thousand people. Comprehensive also covers fire, flood and vandalism, and liability-only will not cover your own car, so it depends on what your vehicle is worth.
Can working from home lower what I pay?
It might, if it cuts your annual mileage, since mileage is a major rating factor. About 26 percent of workers here work from home, so ask for quotes based on your actual driving.