Del Rey Oaks drivers can compare free car insurance quotes from several California carriers, with the Seaside DMV only about 2 miles away.
How Much Does Car Insurance Cost in Del Rey Oaks?
Del Rey Oaks has very little vehicle theft, with just 2 reports in 2025, or 1.3 per thousand residents against a state average of 3.2. That low theft rate, plus short commutes, can work in a driver's favor, though your record, mileage and years of experience still count most.
| Factor | Del Rey Oaks | California |
|---|---|---|
| Average commute | 23 min | 29 min |
| Homes with 2+ cars | 71% | 63% |
| Car thefts per 1,000 | 1.3 | 3.2 |
| ZIP codes | 2 |
Why Del Rey Oaks Drivers Compare Quotes With A1
Carriers weigh the same Prop 103 factors differently, so the same driver can get quite different prices from company to company. An independent agency that compares several carriers at once saves you from calling around yourself.
About Del Rey Oaks, California
Del Rey Oaks is a small Central Coast city of about 1,560 people on just over one square mile in Monterey County. It sits at 82 feet of elevation, close to Sand City, Seaside and Monterey. Its ZIP codes are 93940 and 93955.
- County
- Monterey County
- Population
- 1,556 (Census est.)
- Major routes
- SR-68, SR-218
Driving in Del Rey Oaks: What to Know
The average commute here is about 23 minutes, shorter than the state average of 29. About 86% of workers drive alone, and nobody relies on public transit, so your car is likely your main way to work. Roughly 71% of households have two or more vehicles, which means more cars to insure and more chances to compare multi-car pricing. SR-68 and SR-218 run through or near town, so check that your coverage fits both daily errands and any longer drives.
State highways through or near Del Rey Oaks:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Del Rey Oaks
The nearest DMV office is Seaside DMV at 1180 Canyon Del Rey Blvd., only about 1.6 miles away. That short trip makes it easy to handle registration, license renewals or paperwork after a policy change.
Nearest DMV: Seaside
1180 Canyon Del Rey Blvd., Seaside, CA 93955
About 1.6 miles from Del Rey Oaks
California Car Insurance Rules for Del Rey Oaks Drivers
With short commutes, many local drivers can keep annual mileage low, and mileage is one of the top rating factors under Prop 103. A clean record can also earn the Good Driver Discount of at least 20%, so keep your driving history in good shape.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Del Rey Oaks ZIP Codes and Nearby Areas
ZIP codes in Del Rey Oaks:
Nearby cities and communities:
More About Del Rey Oaks
Del Rey Oaks is a small, friendly city on the Monterey Peninsula, tucked between Monterey and Seaside with easy access to the coast and the hills. Some highlights:
- A small-town feel. With about 1,500 residents, Del Rey Oaks is one of the peninsula's smallest cities, with quiet residential streets, oak-dotted hillsides and a close-knit community.
- Fort Ord National Monument. Miles of trails for hiking, mountain biking and horseback riding stretch across the hills just a short drive east, with wide open views and spring wildflowers.
- Monterey Bay Aquarium. Sea otters, jellyfish and the giant kelp forest exhibit are about 10 minutes away on Cannery Row, and it's a favorite for visitors of every age.
- Pebble Beach and Carmel. Scenic 17-Mile Drive, famous golf courses and Carmel-by-the-Sea's storybook streets and white-sand beach are about 20 minutes away, which makes for an easy afternoon outing.
Del Rey Oaks Car Insurance FAQ
Does low car theft in Del Rey Oaks lower my insurance cost?
It can help, since theft risk is one factor insurers look at, and this city's rate of 1.3 per thousand is well under the state's 3.2. Your own record, mileage and experience still matter more.
Should I report low mileage if I only commute about 23 minutes?
Yes, because annual mileage is one of the main factors California insurers must weigh. A short commute can mean a lower mileage estimate, so give an accurate number when you get quotes.
Do I need comprehensive coverage if theft is rare here?
Liability-only does not cover your own car, and comprehensive also pays for fire, flood and vandalism, not just theft. If your car is worth repairing or replacing, it is still worth pricing out.