Hermosa Beach drivers can compare car insurance quotes from multiple California carriers, and with vehicle theft well below the state rate, many may find good options.
How Much Does Car Insurance Cost in Hermosa Beach?
Vehicle theft here is low, about 1.2 per thousand people in 2025 against a state average of 3.2, which is a point in a driver's favor. Under Prop 103, your driving record, annual mileage and years of experience count most, and with about 31% of workers at home, lower mileage could help your rate.
| Factor | Hermosa Beach | California |
|---|---|---|
| Average commute | 29 min | 29 min |
| Homes with 2+ cars | 53% | 63% |
| Car thefts per 1,000 | 1.2 | 3.2 |
| ZIP codes | 1 |
Why Hermosa Beach Drivers Compare Quotes With A1
Each carrier weighs the same factors a little differently, so the same driver can get different prices from different companies. Instead of calling each company, let A1 gather free quotes from several California carriers for you.
About Hermosa Beach, California
Hermosa Beach is an incorporated city in Los Angeles County, covering just 1.4 square miles at about 26 feet above sea level. About 19,000 people live here, all in ZIP code 90254. Redondo Beach is only a mile away, and Manhattan Beach, El Segundo and Lawndale are all within a few miles.
- County
- Los Angeles County
- Population
- 19,248 (Census est.)
- Major routes
- SR-1
Driving in Hermosa Beach: What to Know
The average commute is about 29 minutes, right at the state average, though that ranks 93rd of 141 in the county. About 55% of workers drive alone, well under the state figure of 67%, and few use public transit. Roughly 6% of households have no vehicle, and about 53% have two or more. State Route 1 runs through or near town, so shorter local trips and busy coastal traffic both matter when you choose coverage and think about parking your car.
State highways through or near Hermosa Beach:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Hermosa Beach
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 Hermosa Beach
California Car Insurance Rules for Hermosa Beach 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. Drivers with a clean record may qualify for a Good Driver Discount of at least 20%, and credit scores cannot be used to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Hermosa Beach ZIP Codes and Nearby Areas
ZIP codes in Hermosa Beach:
Nearby cities and communities:
More About Hermosa Beach
Hermosa Beach is a compact South Bay beach town where sand, surf and a walkable downtown sit within a few blocks of each other, and here’s what locals love:
- The Strand. This paved beachfront path is made for walking, jogging and biking, with ocean views on one side and colorful beach homes on the other.
- Pier Avenue and the pier. Pier Avenue runs from the heart of town straight down to the Hermosa Beach Pier, lined with casual restaurants, surf shops and spots to catch the sunset.
- Beach volleyball. Volleyball is a way of life here, and nets line the sand year-round. Pick-up games are easy to find, and tournaments draw big crowds.
- The Hermosa Valley Greenbelt. A long, tree-lined strip of parkland runs through town, making it a peaceful spot for a stroll or run away from the beach crowds.
Hermosa Beach Car Insurance FAQ
Does low car theft in Hermosa Beach lower my insurance cost?
Local theft was about 1.2 per thousand people in 2025, well below the state average of 3.2. Insurers may weigh your ZIP code as an optional factor, but your record, mileage and experience count most.
Should I still carry comprehensive coverage here?
Comprehensive pays for theft, fire, flood and vandalism to your own car, and liability-only does not. Even with low theft, it can be worth it if you would struggle to replace your car.
How can working from home affect my quote?
About 31% of Hermosa Beach workers work from home, roughly double the state share of 16%. If you drive less, tell your carrier your real annual mileage, since mileage is one of the main rating factors.