Arcadia drivers can compare car insurance quotes from multiple California carriers, and with vehicle theft well below the state average, it pays to see who rewards that.
How Much Does Car Insurance Cost in Arcadia?
Arcadia police logged about 2 vehicle thefts per thousand residents in 2025, compared with a state average of about 3, which is a good sign for comprehensive coverage costs. Under Prop 103, your driving record, annual mileage and years of experience count most, so a long commute can matter more than your address.
| Factor | Arcadia | California |
|---|---|---|
| Average commute | 30 min | 29 min |
| Homes with 2+ cars | 69% | 63% |
| Car thefts per 1,000 | 1.8 | 3.2 |
| ZIP codes | 2 |
Why Arcadia Drivers Compare Quotes With A1
Every carrier weighs the same factors a little differently, so the same Arcadia driver can see quite different prices from one company to the next. As an independent broker, A1 checks prices with several California carriers in one go, at no cost to you.
About Arcadia, California
Arcadia is an incorporated city in Los Angeles County with about 55,550 residents spread over roughly 11 square miles. It sits at about 482 feet of elevation in Southern California and uses ZIP codes 91006 and 91007. Neighbors such as Temple City, East Pasadena and Sierra Madre are all within a few miles, and El Monte, the nearest city over 100,000 people, is about 4 miles away.
- County
- Los Angeles County
- Population
- 55,550 (Census est.)
- Major routes
- I-210
Driving in Arcadia: What to Know
The average commute here is about 30 minutes, just above the state average of 29, and Arcadia ranks 72nd of 141 places in the county. About 64% of workers drive alone, which is lower than the state figure of about 67%, and about 21% work from home. Around 69% of households own two or more vehicles, so many families insure more than one car and may benefit from comparing multi-car pricing. I-210 runs through or near the city, so freeway miles are likely part of many drivers' routines and are worth reporting accurately when you get a quote.
State highways through or near Arcadia:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Arcadia
The nearest DMV office is Pasadena DMV at 49 South Rosemead Blvd., Pasadena, CA 91107, about 2 miles from Arcadia.
Nearest DMV: Pasadena
49 South Rosemead Blvd., Pasadena, CA 91107
About 2.3 miles from Arcadia
California Car Insurance Rules for Arcadia Drivers
California's minimum liability limits are 30/60/15, meaning $30,000 per person, $60,000 per accident and $15,000 for property damage. Qualifying good drivers get at least a 20% Good Driver Discount, and insurers can't use your credit score or gender to set rates.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Arcadia ZIP Codes and Nearby Areas
ZIP codes in Arcadia:
Nearby cities and communities:
More About Arcadia
Arcadia sits at the foot of the San Gabriel Mountains, where racetrack glamour, garden strolls and mountain trailheads are all within a few minutes of each other. Where to start:
- Santa Anita Park. This art deco racetrack, open since 1934, offers thoroughbred racing with the San Gabriel Mountains as a backdrop. Early mornings are great for watching workouts on the track.
- LA County Arboretum. Peacocks wander the grounds of this 127-acre botanic garden, which also features the Queen Anne Cottage, built for early landowner Lucky Baldwin.
- Chantry Flat and Big Santa Anita Canyon. Just north of town, shady trails lead along a stream to Sturtevant Falls, one of the most popular easy hikes in the San Gabriel foothills.
- A serious dining scene. Arcadia has a large Asian American community, and its restaurants are a big draw, from dim sum and noodle houses to bubble tea shops, all across town.
Arcadia Car Insurance FAQ
Does low car theft in Arcadia lower my insurance?
It can help, since theft is covered by comprehensive and Arcadia's rate of about 2 per thousand is below the state's roughly 3. Your own driving record and mileage still count most.
Does my commute affect my car insurance rate?
Yes, annual mileage is one of the top factors under Prop 103. Arcadia's average commute is about 30 minutes, so tell carriers honestly how far you drive, especially if you work from home some days.
Is liability-only enough for me in Arcadia?
Liability-only meets the state minimum but does not pay to repair or replace your own car. If you own a vehicle you rely on, comprehensive and collision coverage may be worth comparing.