Pacific Grove drivers can compare car insurance quotes from multiple California carriers, and with only five vehicle thefts reported in 2025, the local picture is a calm one.
How Much Does Car Insurance Cost in Pacific Grove?
Prices here start with your own driving record, annual mileage and years of experience, and your ZIP code, 93950, can also play a part. Vehicle theft is very low, at about 0.3 per thousand residents against a state average of 3.2, which is a point in this town's favor.
| Factor | Pacific Grove | California |
|---|---|---|
| Average commute | 21 min | 29 min |
| Homes with 2+ cars | 51% | 63% |
| Car thefts per 1,000 | 0.3 | 3.2 |
| ZIP codes | 1 |
Why Pacific Grove Drivers Compare Quotes With A1
Each carrier weighs those factors a little differently, so the same driver can get quite different quotes. Because A1 isn’t tied to one insurer, it shops several California carriers for you, and the quote costs nothing.
About Pacific Grove, California
Pacific Grove is an incorporated city in Monterey County on the Central Coast, with about 15,000 residents in just under 3 square miles. It sits roughly 150 feet above sea level and is a short hop from Monterey and Del Monte Forest, both about 3 miles away. Carmel-by-the-Sea is 5 miles off, and Salinas, the nearest city over 100,000, is about 17 miles away.
- County
- Monterey County
- Population
- 15,003 (Census est.)
- Major routes
- SR-68
Driving in Pacific Grove: What to Know
The average commute is about 21 minutes, well under the state average of 29, and that ranks 21st of 24 in Monterey County. About 65% of workers drive alone, and 18% work from home, which is above the state's 15.5%. Fewer miles on the road can matter, since annual mileage is a major rating factor. Just over half of households have two or more vehicles, and SR-68 runs nearby for trips toward Salinas and beyond.
State highways through or near Pacific Grove:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Pacific Grove
The nearest DMV office is Seaside DMV at 1180 Canyon Del Rey Blvd. in Seaside, about 4 miles away.
Nearest DMV: Seaside
1180 Canyon Del Rey Blvd., Seaside, CA 93955
About 4.3 miles from Pacific Grove
California Car Insurance Rules for Pacific Grove 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 can 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
Pacific Grove ZIP Codes and Nearby Areas
ZIP codes in Pacific Grove:
Nearby cities and communities:
More About Pacific Grove
Pacific Grove sits at the tip of the Monterey Peninsula, a small seaside town of Victorian houses, rocky shoreline and a famous seasonal visitor. Some highlights:
- Butterfly Town, USA. Monarch butterflies cluster in the trees of the Monarch Grove Sanctuary each winter, and the town has welcomed them for generations.
- Point Pinos Lighthouse. Lit in 1855, it is the oldest continuously operating lighthouse on the West Coast, and it still stands at the edge of the peninsula.
- Lovers Point Park. A sheltered cove with a small beach, tide pools and grassy bluffs, and one of the best spots in town to watch the sun set over Monterey Bay.
- Asilomar State Beach. Dunes, boardwalks and tide pools line this stretch of coast, next to the historic Asilomar Conference Grounds, with buildings designed by architect Julia Morgan.
Pacific Grove Car Insurance FAQ
Does living in Pacific Grove help my car insurance rate?
Your ZIP code is an optional factor, and Pacific Grove's very low vehicle theft rate is a good sign. Your driving record, mileage and experience still count most.
Does a short commute lower my premium?
It can, because annual mileage is one of the top rating factors. Pacific Grove's average commute of about 21 minutes is shorter than the state's 29.
Should I carry more than the minimum coverage?
Liability-only coverage does not pay to fix your own car, while comprehensive covers theft, fire, flood and vandalism. The 30/60/15 minimum is only a starting point, so compare options with A1 by phone, text or the form.