El Segundo drivers have one of the shorter commutes in Los Angeles County, so compare quotes and see what that low mileage is worth.
How Much Does Car Insurance Cost in El Segundo?
Car insurance prices here are shaped by your driving record, annual mileage and years of experience, and a short commute can help keep mileage down. Vehicle theft is a local factor too, since El Segundo police logged about 5 thefts per thousand people in 2025, above the state average of about 3.
| Factor | El Segundo | California |
|---|---|---|
| Average commute | 24 min | 29 min |
| Homes with 2+ cars | 58% | 63% |
| Car thefts per 1,000 | 5.3 | 3.2 |
| ZIP codes | 1 |
Why El Segundo Drivers Compare Quotes With A1
Carriers weigh the same details differently, so the same El Segundo driver can get quite different quotes from different companies. A1 is independent, so it can line up quotes from several California carriers at once, free of charge.
About El Segundo, California
El Segundo is an incorporated city in Los Angeles County with about 16,900 residents on 5.4 square miles. It sits at roughly 115 feet of elevation and uses the ZIP code 90245. Manhattan Beach is about a mile away, and Hermosa Beach, Del Aire, Lennox, Lawndale and Hawthorne are all within a few miles.
- County
- Los Angeles County
- Population
- 16,863 (Census est.)
- Major routes
- SR-1
Driving in El Segundo: What to Know
The average commute here is about 24 minutes, compared with about 29 across California, and it ranks 140th of 141 in the county for length. About 62% of workers drive alone, and nearly 29% work from home, almost double the state share of about 16%. Fewer daily miles can matter when insurers ask for your annual mileage. SR-1 runs through or near the city, and with 58% of households owning two or more vehicles, many families will want to compare coverage for each car.
State highways through or near El Segundo:
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 Segundo
The nearest DMV office is Hawthorne DMV at 3700 W. El Segundo Blvd., Hawthorne, CA 90250, about 5 miles away.
Nearest DMV: Hawthorne
3700 W. El Segundo Blvd., Hawthorne, CA 90250
About 5 miles from El Segundo
California Car Insurance Rules for El Segundo Drivers
California's minimum liability is 30/60/15, meaning $30,000 per injured person, $60,000 per accident and $15,000 for property damage. Qualifying good drivers get at least a 20% Good Driver Discount, 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 Segundo ZIP Codes and Nearby Areas
ZIP codes in El Segundo:
Nearby cities and communities:
More About El Segundo
Tucked between the beach and LAX, El Segundo has a small-town feel and an easygoing South Bay setting, plus a name with a story (it means "the second"). Where to start:
- Main Street charm. Downtown El Segundo has a walkable, hometown feel, with local restaurants, coffee shops and shops along a tree-lined stretch that feels far from the nearby freeways.
- Beach days next door. Dockweiler State Beach runs along the city's western edge, with wide sand, fire pits and a bike path that stretches toward Manhattan Beach and beyond.
- The El Segundo Dunes. One of the last coastal dune systems in the region, this protected habitat is home to the endangered El Segundo blue butterfly.
- Airplane views. With LAX right next door, watching jets climb out over the coast is a local pastime, especially around sunset.
El Segundo Car Insurance FAQ
Does a short commute lower my car insurance in El Segundo?
It can, because annual mileage is one of the top factors California insurers must weigh. With an average commute of about 24 minutes and many people working from home, some drivers here may log fewer miles.
Should I worry about car theft in El Segundo?
The 2025 rate of about 5 thefts per thousand people is higher than the state average of about 3. Comprehensive coverage pays for theft, fire, flood and vandalism, while liability-only does not cover your own car.
Where do I go for DMV matters near El Segundo?
The closest office is Hawthorne DMV on W. El Segundo Blvd., about 5 miles away. If you need an SR-22 after a DUI, uninsured driving or a suspension, your insurer files that form with the DMV.