Manhattan Beach drivers can compare car insurance quotes from multiple California carriers, in a city where vehicle theft runs well below the state rate.
How Much Does Car Insurance Cost in Manhattan Beach?
Manhattan Beach's theft rate is about 1.7 per thousand people, versus 3.2 statewide, which is a point in your favor when carriers weigh risk. Prop 103 puts your driving record, annual mileage and years of experience first, so a short commute or a clean record can matter more than the 90266 ZIP code.
| Factor | Manhattan Beach | California |
|---|---|---|
| Average commute | 29 min | 29 min |
| Homes with 2+ cars | 68% | 63% |
| Car thefts per 1,000 | 1.7 | 3.2 |
| ZIP codes | 1 |
Why Manhattan Beach Drivers Compare Quotes With A1
Each carrier weighs those factors a little differently, so the same driver can get quite different quotes. A1 is an independent broker that compares quotes from multiple California carriers, so you see the options side by side without shopping around one company at a time.
About Manhattan Beach, California
Manhattan Beach is an incorporated city in Los Angeles County with about 34,600 residents in just 3.9 square miles. It sits at roughly 66 feet of elevation, right on the coast. Neighbors include Hermosa Beach, El Segundo, Redondo Beach and Del Aire, all within a few miles.
- County
- Los Angeles County
- Population
- 34,584 (Census est.)
- Major routes
- SR-1
Driving in Manhattan Beach: What to Know
The average commute here is about 29 minutes, almost exactly the state average, and it ranks 98th of 141 in the county. About 55% of workers drive alone, well under the state's 67%, and 34% work from home, more than double the state's 16%. Fewer daily miles can help your rate, so tell your carrier if you commute less than you used to. SR-1 runs through or near town, and about 68% of households own two or more vehicles, so many families insure more than one car.
State highways through or near Manhattan 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 Manhattan Beach
The nearest DMV office is Hawthorne DMV at 3700 W. El Segundo Blvd., about 5 miles away.
Nearest DMV: Hawthorne
3700 W. El Segundo Blvd., Hawthorne, CA 90250
About 4.8 miles from Manhattan Beach
California Car Insurance Rules for Manhattan Beach Drivers
California's minimum liability is 30/60/15, and it only covers damage you cause to others, not your own car. Drivers with a clean record can qualify for a Good Driver Discount of at least 20%, and credit scores can't be used to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Manhattan Beach ZIP Codes and Nearby Areas
ZIP codes in Manhattan Beach:
Nearby cities and communities:
More About Manhattan Beach
Manhattan Beach is a laid-back South Bay town where life revolves around the sand, the surf and a walkable downtown just steps from the ocean. Some highlights:
- The Manhattan Beach Pier. Stroll out over the water to the small Roundhouse Aquarium at the end, then watch surfers and sunsets from the railing.
- The Strand. This paved oceanfront path is perfect for walking, jogging or biking, with beach houses on one side and wide sand on the other.
- Beach volleyball. The sand here is a volleyball hotspot, and the Manhattan Beach Open, a major pro tournament, is a summer highlight.
- Sand Dune Park. A steep dune and a good workout, where locals run the slope and the stairs for views over the neighborhood.
Manhattan Beach Car Insurance FAQ
Does living in Manhattan Beach make car insurance cheaper?
Possibly in part, since the city's theft rate of about 1.7 per thousand is below the state's 3.2. Still, your driving record, mileage and experience count most under Prop 103.
If I work from home, should I tell my insurer?
Yes. Annual mileage is one of the top rating factors, and about 34% of Manhattan Beach workers work from home. Lower mileage may lead to a better quote.
Do I need comprehensive coverage here?
Comprehensive pays for theft, fire, flood and vandalism, and liability-only does not cover your own car. Theft is lower here than the state average, but it is worth considering if your car is valuable or expensive to replace.