Cedarville drivers can compare car insurance quotes from several California carriers, and with theft this low in Modoc County, your record may count for more.
How Much Does Car Insurance Cost in Cedarville?
Prop 103 says your driving record, yearly mileage and years of experience weigh most, and short local trips can help keep mileage down. Vehicle theft in Modoc County was about 0.3 per thousand people in 2025, far below the state average of 3.2, which is a good sign for local risk.
| Factor | Cedarville | California |
|---|---|---|
| Average commute | 18 min | 29 min |
| Homes with 2+ cars | 69% | 63% |
| Car thefts per 1,000 (Modoc County) | 0.3 | 3.2 |
| ZIP codes | 1 |
Why Cedarville Drivers Compare Quotes With A1
A1 is independent and compares quotes from several California carriers, so you don't have to call each company yourself. In a small, remote community, rates can differ a lot between insurers, and one free comparison shows which fits you best.
About Cedarville, California
Cedarville is a small community of about 718 people at 4,652 feet in the Shasta Cascade region of Modoc County. It covers roughly 5 square miles and shares the 96104 ZIP code. The county sheriff handles local policing, and the CHP patrols the highways, including SR-299 nearby.
- County
- Modoc County
- Population
- 718 (Census est.)
- Major routes
- SR-299
Driving in Cedarville: What to Know
Commutes here average about 18 minutes, well under the state average of 29. About 34% of workers work from home, more than double the state's 16%, so many cars stay parked on workdays. Every household has a vehicle, and about 69% have two or more, since there is no public transit and towns are far apart. With long drives to Alturas and beyond, plus high-elevation winters, you want liability and collision limits that fit rural roads.
State highways through or near Cedarville:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Cedarville
The nearest DMV office is Alturas DMV at 903 West C Street, about 20 miles away. Plan a round trip of roughly 40 miles, and check whether your business can be done online first.
Nearest DMV: Alturas
903 West C Street, Alturas, CA 96101
About 19.6 miles from Cedarville
California Car Insurance Rules for Cedarville Drivers
Short commutes and low mileage can help you qualify for the Good Driver Discount, which is at least 20% for those with a clean record. Also remember that the state minimum liability of 30/60/15 does not cover your own car, which matters when a repair shop or tow is far away.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Cedarville ZIP Codes and Nearby Areas
ZIP codes in Cedarville:
Nearby cities and communities:
Cedarville Car Insurance FAQ
Does a short Cedarville commute lower my insurance rate?
It can, because annual mileage is one of the top factors under Prop 103. With a commute of about 18 minutes and many people working from home, your mileage may be lower than average, so report it accurately.
Is comprehensive coverage worth it with theft this low?
Theft is rare in Modoc County, but comprehensive also covers fire, flood and vandalism. If your car is paid off and low in value, compare quotes with and without it.
Do I need two vehicles' worth of coverage planning here?
Many homes here have two or more vehicles, about 69%, so ask about a multi-car quote when you compare. A1 can check several carriers for free by phone, text or the form.