Placerville drivers can compare car insurance quotes from several California carriers and see what a low local theft rate is worth.
How Much Does Car Insurance Cost in Placerville?
Placerville reported just 7 vehicle thefts in 2025, about 0.7 per thousand residents against a state average of 3.2, which helps keep one pricing worry small. Prop 103 still puts your driving record, annual mileage and years of experience first, so your own habits count for more than the ZIP code 95667.
| Factor | Placerville | California |
|---|---|---|
| Average commute | 28 min | 29 min |
| Homes with 2+ cars | 55% | 63% |
| Car thefts per 1,000 | 0.7 | 3.2 |
| ZIP codes | 1 |
Why Placerville Drivers Compare Quotes With A1
A1 is an independent agency that compares quotes from several California carriers, so you do not have to call each company yourself. Quotes are free and you can ask by phone, text or the online form.
About Placerville, California
Placerville sits at about 1,867 feet in El Dorado County and covers under 6 square miles. About 10,730 people live here, in a compact city with small neighbors like Diamond Springs and Cold Springs a few miles away. US-50, SR-49 and SR-193 all run through or near town.
- County
- El Dorado County
- Population
- 10,730 (Census est.)
- Major routes
- US-50, SR-49, SR-193
Driving in Placerville: What to Know
The average commute here is about 28 minutes, a little under the state figure of 29, and it ranks 10th of 15 in the county. About 69% of workers drive alone, and only 0.5% use public transit, so most people rely on their own car. Roughly 17% work from home, which can lower yearly mileage for some households. If your mileage is low, tell every carrier, because it is one of the top factors in your rate.
State highways through or near Placerville:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Placerville
The Placerville DMV is at 2919 Cold Springs Rd., only about 1.5 miles from the city's center. That short trip makes it easy to handle registration, license renewals or proof of insurance without losing much of your day.
Nearest DMV: Placerville
2919 Cold Springs Rd., Placerville, CA 95667
About 1.5 miles from Placerville
California Car Insurance Rules for Placerville Drivers
With theft this low, a Good Driver Discount of at least 20% may matter more than anything else on your quote, as long as your record is clean. Mileage also counts, so accurate numbers for your commute or remote work can change your price.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Placerville ZIP Codes and Nearby Areas
ZIP codes in Placerville:
Nearby cities and communities:
More About Placerville
Placerville grew up during the Gold Rush and still has the look of a foothill mining town, with brick storefronts and Sierra views, so here's what locals love:
- Historic Main Street. Old Hangtown's downtown is lined with 19th-century buildings that now hold antique shops, cafes and tasting rooms. It's an easy place to spend an afternoon on foot.
- Gold Bug Park & Mine. This city-owned park has a mine you can tour on your own, plus a working stamp mill and picnic spots among the oaks.
- Apple Hill in the fall. Just east of town, family-run orchards and farms open for the season with fresh cider, pies and u-pick apples.
- Where the Gold Rush began. Marshall Gold Discovery State Historic Park in nearby Coloma marks the 1848 find that started it all. It also has a replica of Sutter's Mill, and rafters launch from the American River nearby.
Placerville Car Insurance FAQ
Does low car theft in Placerville make my insurance cheaper?
It can help, since the city reported only 0.7 thefts per thousand people compared with 3.2 statewide. Your driving record, mileage and experience are still weighed most under Prop 103.
I work from home part of the week. Should I tell my insurer?
Yes. About 17% of Placerville workers work from home, and less driving means lower annual mileage, which is a major rating factor. Give each carrier your honest estimate.
Is liability-only enough if I drive on US-50 or SR-49?
Liability meets the 30/60/15 minimum, but it pays nothing toward your own car. If you want theft, fire, flood or vandalism covered, you need comprehensive.