San Clemente drivers can compare car insurance quotes from multiple California carriers, and with vehicle theft well below the state rate, there is a lot to work with.
How Much Does Car Insurance Cost in San Clemente?
Prices here start with your own driving record, annual mileage and years of experience, which California requires insurers to weigh most. Optional factors like your ZIP code (92672 or 92673), your vehicle and your coverage choices can move the number too.
| Factor | San Clemente | California |
|---|---|---|
| Average commute | 29 min | 29 min |
| Homes with 2+ cars | 72% | 63% |
| Car thefts per 1,000 | 0.9 | 3.2 |
| ZIP codes | 2 |
Why San Clemente Drivers Compare Quotes With A1
Each carrier weighs those factors a little differently, so the same San Clemente driver can get quite different quotes. A1 is not tied to any single insurer; it compares several California carriers and the quote is free.
About San Clemente, California
San Clemente is an incorporated city in Orange County with about 63,510 residents spread over roughly 18 square miles. It sits at about 233 feet of elevation. Nearby places include San Juan Capistrano, Dana Point and Rancho Mission Viejo, and Irvine is the closest city over 100,000 people at about 18 miles.
- County
- Orange County
- Population
- 63,510 (Census est.)
- Major routes
- I-5
Driving in San Clemente: What to Know
The average commute is about 29 minutes, almost the same as the state average, and it ranks 19th of 44 in Orange County. About 72% of workers drive alone, higher than the state's 67%, so most people here put regular miles on their cars. Around 21% work from home, which is above the state's 16% and can mean fewer commuting miles for some households. I-5 runs through the area, so many drivers should think about how much highway driving they do when they pick coverage.
State highways through or near San Clemente:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for San Clemente
The nearest DMV office is San Clemente DMV at 2727 Via Cascadita, about 2 miles from the city's center.
Nearest DMV: San Clemente
2727 Via Cascadita, San Clemente, CA 92672
About 1.8 miles from San Clemente
California Car Insurance Rules for San Clemente Drivers
California's minimum liability coverage is 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
San Clemente ZIP Codes and Nearby Areas
ZIP codes in San Clemente:
Nearby cities and communities:
More About San Clemente
San Clemente is a laid-back Orange County beach town where Spanish-style architecture, surf culture and ocean views set the pace. Worth checking out:
- Spanish Village by the Sea. Founder Ole Hanson laid out the town in 1925 with white stucco walls and red tile roofs, and that Spanish Colonial look still shapes downtown today.
- San Clemente Pier. The wooden pier, dating to 1928, is a favorite for sunset strolls, fishing off the rail and watching surfers work the waves below.
- Surf culture. Trestles, just south in San Onofre State Beach, is one of the best-known surf breaks anywhere, and the town’s surf shops and board shapers carry on that heritage.
- Casa Romantica. This 1920s Spanish Colonial Revival estate sits on a bluff above the ocean, with terraced gardens, art exhibits and concerts open to the community.
San Clemente Car Insurance FAQ
Is car insurance cheaper in San Clemente because theft is low?
San Clemente police logged about 0.9 vehicle thefts per thousand people in 2025, versus a state average of 3.2. Your ZIP code is an optional rating factor, so the effect varies by carrier, which is why comparing quotes helps.
Do I need comprehensive coverage if I only drive locally?
Comprehensive pays for theft, fire, flood and vandalism to your own car, while liability-only does not. Low local theft may make it feel less urgent, but it depends on your car's value and what you could afford to replace.
How many cars do San Clemente households usually have?
About 72% of households have two or more vehicles, compared with about 63% statewide. Insuring more than one car is common here, so it is worth asking carriers to quote all your vehicles together.