North Highlands drivers face a commute of about 31 minutes each way, so it pays to compare car insurance quotes from several California carriers.
How Much Does Car Insurance Cost in North Highlands?
Prices here are shaped most by your driving record, annual mileage and years of experience, and a long commute adds to your mileage. Your ZIP code (95660 or 95841), your vehicle and the coverage you pick can also move the number.
| Factor | North Highlands | California |
|---|---|---|
| Average commute | 31 min | 29 min |
| Homes with 2+ cars | 58% | 63% |
| Car thefts per 1,000 (Sacramento County) | 2.8 | 3.2 |
| ZIP codes | 2 |
Why North Highlands Drivers Compare Quotes With A1
Each carrier weighs these factors a little differently, so the same driver can get quite different quotes. As an independent broker, A1 checks prices with several California carriers in one go, at no cost to you.
About North Highlands, California
North Highlands is an unincorporated community in Sacramento County, in the Sacramento Valley. About 47,900 people live here on roughly 9 square miles, at an elevation of about 95 feet. Neighbors close by include McClellan Park, Foothill Farms, Antelope and Carmichael, and the county sheriff handles local policing.
- County
- Sacramento County
- Population
- 47,900 (Census est.)
- Major routes
- I-80, SR-51, SR-244
Driving in North Highlands: What to Know
Most people here drive to work, with about 72% driving alone, which is higher than the state figure of 67%. The average commute is about 31 minutes, a bit above the state average of 29, so you may put on more miles than you think. I-80, SR-51 and SR-244 run through or near the community, and CHP patrols those highways. About 8% of households have no vehicle, and many others share cars, so check who is listed as a driver on your policy.
State highways through or near North Highlands:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for North Highlands
The nearest DMV office is Carmichael DMV at 5209 North Avenue, Carmichael, CA 95608, about 3.5 miles away. Traffic tickets are handled by the Superior Court of California, County of Sacramento.
Nearest DMV: Carmichael
5209 North Avenue, Carmichael, CA 95608
About 3.5 miles from North Highlands
California Car Insurance Rules for North Highlands Drivers
California requires at least 30/60/15 liability coverage, which is $30,000 per person and $60,000 per accident for injury, plus $15,000 for property damage. Liability-only will not cover your own car, so comprehensive matters if theft worries you, and a first uninsured offense brings a $100 to $200 fine plus penalty assessments.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
North Highlands ZIP Codes and Nearby Areas
ZIP codes in North Highlands:
Nearby cities and communities:
More About North Highlands
North Highlands is an unincorporated community in Sacramento County, just northeast of the state capital, with a deep military-aviation past and easy access to river trails and Sierra getaways. Don’t miss:
- McClellan's aviation legacy. McClellan Air Force Base was a major military installation here for decades before it closed in 2001. Its old grounds are now a business park, with that aviation history still visible around it.
- Gibson Ranch County Park. A short drive north, this former working ranch offers open meadows, ponds and shady picnic spots, which makes it a relaxed weekend escape close to home.
- The American River Parkway. Neighbors hop over to the parkway for riverside walks and bike rides on the Jedediah Smith Memorial Trail, which runs from Sacramento toward Folsom.
- Capital city on the doorstep. Downtown Sacramento is close by, with Old Sacramento's wooden boardwalks, the California State Railroad Museum and the State Capitol. The Sierra and Lake Tahoe are a couple h
North Highlands Car Insurance FAQ
Does my long commute affect my insurance rate?
It can, because annual mileage is one of the top factors insurers must weigh under Prop 103. The average commute here is about 31 minutes, so tell each carrier your real yearly mileage.
How does car theft in North Highlands affect my insurance quote?
Sacramento County agencies reported about 2.8 vehicle thefts per thousand people in 2025, below the state average of 3.2. Comprehensive coverage still pays for theft, fire, flood and vandalism, which liability-only does not.
Can I get a discount for a clean driving record?
Qualifying good drivers get at least a 20% Good Driver Discount in California. A1 can compare quotes from multiple carriers, and you can call, text or use the form.