Los Alamitos drivers who face a 30-minute average commute can compare car insurance quotes from multiple California carriers with A1 in one place.
How Much Does Car Insurance Cost in Los Alamitos?
Rates here start with your driving record, annual mileage and years of experience, and a commute of about 30 minutes each way adds to your yearly miles. Vehicle theft is lower than the state average, at about 2 reports per thousand people compared with 3 statewide, which is a point in a driver's favor when a ZIP code is considered.
| Factor | Los Alamitos | California |
|---|---|---|
| Average commute | 31 min | 29 min |
| Homes with 2+ cars | 66% | 63% |
| Car thefts per 1,000 | 2.4 | 3.2 |
| ZIP codes | 1 |
Why Los Alamitos Drivers Compare Quotes With A1
Carriers weigh the same details differently, so a household with two cars and a long commute may find a wide gap between quotes. A1 is an independent broker that compares quotes from multiple California carriers, so you can see those differences without calling around yourself.
About Los Alamitos, California
Los Alamitos is a small incorporated city in Orange County, covering about 4 square miles with just under 12,000 residents. It sits at only 23 feet above sea level and uses the single ZIP code 90720. Neighbors such as Rossmoor, Cypress and Seal Beach are all within a few miles.
- County
- Orange County
- Population
- 11,784 (Census est.)
- Major routes
- I-405, I-605
Driving in Los Alamitos: What to Know
Most people here drive alone to work, about 75% compared with 67% across California. Only about 1% use public transit, so the car is the main way to get to a job. The average commute of about 30 minutes ranks 8th among 44 places in Orange County, and I-405 and I-605 are the freeways close by. About 66% of households have two or more vehicles, so many families will want to look at multi-car coverage and the right liability limits for each driver.
State highways through or near Los Alamitos:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Los Alamitos
The nearest DMV office is Westminster DMV at 13700 Hoover St., Westminster, about 4 miles away. Traffic tickets and related matters go through the Superior Court of California, County of Orange.
Nearest DMV: Westminster
13700 Hoover St., Westminster, CA 92683
About 4.3 miles from Los Alamitos
California Car Insurance Rules for Los Alamitos Drivers
California's minimum liability is 30/60/15, which means $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 insurers cannot use your credit score or gender to set rates.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Los Alamitos ZIP Codes and Nearby Areas
ZIP codes in Los Alamitos:
Nearby cities and communities:
More About Los Alamitos
Small, friendly Los Alamitos sits right on the Orange County and Los Angeles County line, and its name means "the little cottonwoods" in Spanish. Where to start:
- Racing at the track. Los Alamitos Race Course is a longtime favorite for quarter horse racing, and a night at the rail is a classic local outing.
- Joint Forces Training Base. This military base is a big part of the city's identity and history, and it is home to California National Guard units.
- A close-knit community. At around 12,000 residents, the city feels like a small town, with tree-lined neighborhoods, local shops and community events.
- Beaches and ranch history nearby. Seal Beach and its pier are a short trip away. Rancho Los Alamitos, a historic ranch with gardens in Long Beach, is open to visitors.
Los Alamitos Car Insurance FAQ
Does my long commute affect my car insurance rate?
It can, because annual mileage is one of the main factors California insurers must weigh. The average commute here is about 30 minutes, so a daily drive adds up over a year.
How does car theft in Los Alamitos affect my insurance quote?
Los Alamitos police recorded 28 vehicle thefts in 2025, about 2 per thousand people. That is below the state average of about 3, but comprehensive coverage is still what pays for theft, fire, flood and vandalism.
Do I need coverage beyond the minimum?
Minimum liability does not cover your own car, so liability-only may leave you exposed if your vehicle is damaged or stolen. With many local households owning two or more vehicles, it is worth comparing higher limits and comprehensive options.