Hood is a tiny Sacramento Valley community, and drivers here can compare car insurance quotes from several California carriers in one request.
How Much Does Car Insurance Cost in Hood?
Hood has only one ZIP code, 95639, and ZIP code is an optional rating factor under Prop 103. Your driving record, yearly mileage and years of experience count most, so those shape your price more than the address does.
| Factor | Hood | California |
|---|---|---|
| Homes with 2+ cars | 79% | 63% |
| Car thefts per 1,000 (Sacramento County) | 2.8 | 3.2 |
| ZIP codes | 1 |
Why Hood Drivers Compare Quotes With A1
Carriers weigh the same details differently, so the same Hood driver can get quite different prices from company to company. A1 is independent and compares quotes from several California carriers, which saves you from calling around yourself.
About Hood, California
Hood covers just 0.3 square miles and sits only about 7 feet above sea level in the Sacramento Valley. About 286 people live here, which makes it one of the smallest communities in Sacramento County. Franklin and Courtland are each about 3 miles away, and the county sheriff handles policing.
- County
- Sacramento County
- Population
- 286 (Census est.)
- Major routes
- SR-160
Driving in Hood: What to Know
Most Hood workers drive alone, about 63% compared with 67% statewide, and no households report being without a vehicle. About 79% of households own two or more vehicles, well above the state figure of roughly 63%, so many homes insure more than one car. Nobody here commutes by public transit, so you will likely rely on your own car for nearly every trip, including SR-160 and the run to Elk Grove 8 miles away. Countywide vehicle theft was 2.8 per thousand people in 2025, a bit under the state's 3.2, but comprehensive coverage still protects you if your car is stolen or damaged.
State highways through or near Hood:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Hood
The nearest DMV is Sacramento La Mancha, at 7775 La Mancha Way in Sacramento, about 9 miles from Hood. That is a real drive for a small community, so book an appointment ahead and bring everything you need for a registration or license task.
Nearest DMV: Sacramento La Mancha
7775 La Mancha Way, Sacramento, CA 95823
About 8.8 miles from Hood
California Car Insurance Rules for Hood Drivers
With several cars in many Hood households, check that each vehicle has the right coverage, because minimum 30/60/15 liability does not pay to fix your own car. If you have a clean record, ask about the Good Driver Discount, which is at least 20% for qualifying drivers.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Hood ZIP Codes and Nearby Areas
ZIP codes in Hood:
Nearby cities and communities:
Hood Car Insurance FAQ
Do I need more than minimum coverage if my household has several vehicles?
Minimum liability of 30/60/15 only covers damage and injuries you cause to others, not your own car. With about 79% of Hood households owning two or more vehicles, adding comprehensive or collision on the ones you can't afford to replace is worth pricing out.
Does living in tiny Hood make my insurance cheaper?
Not automatically, since ZIP code is only an optional factor under Prop 103. Your driving record, mileage and years of experience count for more, so those are what to bring to a comparison.
Is car theft a concern near Hood?
Sacramento County's 2025 theft rate was 2.8 per thousand people, a little below the state's 3.2. It is not zero, so comprehensive coverage is still a sensible option for theft, fire, flood and vandalism.