Seaside drivers can compare car insurance quotes side by side, and with a commute of about 22 minutes, you may not need to overpay for miles you barely drive.
How Much Does Car Insurance Cost in Seaside?
Prop 103 puts driving record, annual mileage and years of experience first, and Seaside's short commute of about 22 minutes, well under the state average of 29, can work in your favor on mileage. Vehicle theft here is low, about 1 per thousand people versus 3 statewide, which is a good sign for comprehensive coverage costs.
| Factor | Seaside | California |
|---|---|---|
| Average commute | 22 min | 29 min |
| Homes with 2+ cars | 67% | 63% |
| Car thefts per 1,000 | 0.9 | 3.2 |
| ZIP codes | 1 |
Why Seaside Drivers Compare Quotes With A1
Each carrier weighs the same factors a little differently, so the same Seaside driver can get quite different quotes. Instead of calling each company, let A1 gather free quotes from several California carriers for you.
About Seaside, California
Seaside is an incorporated city in Monterey County on the Central Coast, with about 32,000 residents in under 9 square miles. It sits near sea level at about 33 feet and uses the single ZIP code 93955. Neighbors like Sand City, Del Rey Oaks, Monterey and Marina are all within a few miles.
- County
- Monterey County
- Population
- 31,964 (Census est.)
- Major routes
- SR-1
Driving in Seaside: What to Know
Most Seaside workers, about 71%, drive alone, which is a bit above the state's 67%. About 67% of households have two or more vehicles, so many families insure more than one car and may want to ask about multi-car pricing. Only about 2% of commuters use public transit, so for most people a car is the main way to get around. SR-1 runs through or near the city and connects you to Monterey, Marina and Carmel-by-the-Sea.
State highways through or near Seaside:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Seaside
The nearest DMV office is Seaside DMV at 1180 Canyon Del Rey Blvd., Seaside, CA 93955, about 2.5 miles away.
Nearest DMV: Seaside
1180 Canyon Del Rey Blvd., Seaside, CA 93955
About 2.5 miles from Seaside
California Car Insurance Rules for Seaside Drivers
California's minimum liability limits are 30/60/15, but they cover only other people's injuries and property, not your own car. Drivers with a clean record can qualify for a Good Driver Discount of at least 20%, and credit scores and gender can't be used to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Seaside ZIP Codes and Nearby Areas
ZIP codes in Seaside:
Nearby cities and communities:
More About Seaside
Seaside sits right on Monterey Bay, with sand dunes, ocean breezes and a front-row seat to the Monterey Peninsula. Where to start:
- Fort Ord roots. The Army's Fort Ord operated here for most of the 20th century and closed in 1994. Its history still shapes the city's character and its diverse, close-knit community.
- Fort Ord National Monument. Just inland, oak woodlands and grassy hills on former base land are crisscrossed by trails for hiking, biking and horseback riding, with views that stretch toward the bay.
- Bayfront beaches. Monterey Bay State Beach hugs the shoreline, and the Monterey Bay Coastal Recreation Trail makes it easy to walk or bike along the dunes and water.
- Next door to the Peninsula. Cannery Row, the Monterey Bay Aquarium and Carmel-by-the-Sea are all just minutes away, so a full day out is an easy trip from home.
Seaside Car Insurance FAQ
Does a short commute lower my car insurance in Seaside?
It can help, because annual mileage is one of the top factors insurers must weigh under Prop 103. Seaside's average commute is about 22 minutes, so many drivers log fewer miles than the typical Californian.
How does car theft in Seaside affect my insurance quote?
Seaside police reported 30 vehicle thefts in 2025, about 1 per thousand residents, compared with about 3 statewide. Comprehensive coverage is still worth considering because it pays for theft, fire, flood and vandalism.
How do I get the best price if my household has several cars?
About 67% of Seaside households have two or more vehicles, so comparing quotes for all your cars together is worthwhile. A1 can compare multiple California carriers for you, and you can call, text or use the form.