Lomita drivers can compare car insurance quotes from multiple California carriers in one place, whether you commute about 26 minutes or just run local errands.
How Much Does Car Insurance Cost in Lomita?
Lomita's vehicle theft rate was about 3.5 per thousand residents in 2025, a bit above the state average of 3.2, which can matter when insurers price comprehensive coverage. Under Prop 103, your driving record, annual mileage and years of experience count most, so a clean record and fewer miles can help more than anything about the city itself.
| Factor | Lomita | California |
|---|---|---|
| Average commute | 26 min | 29 min |
| Homes with 2+ cars | 62% | 63% |
| Car thefts per 1,000 | 3.5 | 3.2 |
| ZIP codes | 1 |
Why Lomita Drivers Compare Quotes With A1
Each carrier weighs the same factors a little differently, so the same driver can see different prices from one company to the next. Because A1 isn’t tied to one insurer, it shops several California carriers for you, and the quote costs nothing.
About Lomita, California
Lomita is a small incorporated city in Los Angeles County, covering just under 2 square miles with about 20,400 residents. It sits at roughly 95 feet of elevation and uses the single ZIP code 90717. Neighbors include Rolling Hills Estates, West Carson and Torrance, which is the nearest city over 100,000 people at about 3 miles away.
- County
- Los Angeles County
- Population
- 20,409 (Census est.)
- Major routes
- SR-1, SR-213
Driving in Lomita: What to Know
About 73% of Lomita workers drive alone, higher than the state figure of about 67%, so most people here rely on their own car every day. The average commute is about 26 minutes, shorter than the state average of 29 minutes, though that ranks 132nd of 141 in the county. Only about 2% use public transit, and around 62% of households have two or more vehicles, in line with the state. More cars and solo commuting mean you should check that your liability limits and comprehensive coverage fit how much you really drive.
State highways through or near Lomita:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Lomita
The nearest DMV office is Torrance DMV at 1785 West 220th St., Torrance, CA 90501, about 2.5 miles away.
Nearest DMV: Torrance
1785 West 220th St., Torrance, CA 90501
About 2.5 miles from Lomita
California Car Insurance Rules for Lomita Drivers
California's minimum liability limits are 30/60/15, meaning $30,000 per person and $60,000 per accident for injury, plus $15,000 for property damage. Drivers with a qualifying clean record get at least a 20% Good Driver Discount, and credit scores and gender cannot be used to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Lomita ZIP Codes and Nearby Areas
ZIP codes in Lomita:
Nearby cities and communities:
More About Lomita
Lomita, whose name is Spanish for "little hill," is a compact, friendly South Bay community with a small-town feel, close to the coast and the Palos Verdes Peninsula. Worth checking out:
- Lomita Railroad Museum. A beloved local stop with a vintage steam locomotive, historic rail cars and a New England-style depot. It's a favorite with kids and train fans.
- Farming roots. Lomita grew up as an agricultural community, known for flowers and vegetables, before filling in with neighborhoods. That history still shapes its laid-back, close-knit character.
- South Coast Botanical Garden. Just up the hill on the Palos Verdes Peninsula, these gardens offer winding paths, colorful plantings and ocean views, all built on a reclaimed site.
- Beaches nearby. Torrance Beach and the coves of the Palos Verdes coast are a short trip away for sunset walks, tide pools and easy ocean days.
Lomita Car Insurance FAQ
Does Lomita's car theft rate affect my insurance?
Lomita police recorded about 3.5 vehicle thefts per thousand residents in 2025, slightly above the state average of 3.2. Comprehensive coverage pays for theft, fire, flood and vandalism, so it is worth considering if you want your own car protected.
Is liability-only coverage enough for me?
Liability-only meets the state minimum but does not cover your own car. If you drive daily or park on the street, compare quotes with and without comprehensive to see the difference.
What happens if I get caught driving without insurance?
A first offense is a $100 to $200 fine plus penalty assessments, and later offenses can mean impound. After a DUI, uninsured driving or a suspension, you may also need an SR-22 filed with the DMV by your insurer.