Grand Terrace drivers can compare car insurance quotes from multiple California carriers, and with a vehicle theft rate below the state average, there is plenty to ask about.
How Much Does Car Insurance Cost in Grand Terrace?
Prices here start with your driving record, annual mileage and years of experience, while your ZIP code, 92313, and your vehicle are optional factors. Grand Terrace police reported a theft rate of about 2 vehicles per thousand people in 2025, compared with a state average of about 3, which is a point in the city's favor.
| Factor | Grand Terrace | California |
|---|---|---|
| Average commute | 25 min | 29 min |
| Homes with 2+ cars | 69% | 63% |
| Car thefts per 1,000 | 2.2 | 3.2 |
| ZIP codes | 1 |
Why Grand Terrace Drivers Compare Quotes With A1
Each carrier weighs the same factors a little differently, so the same driver can get quite different quotes. A1 is an independent broker that compares quotes from several California carriers, and quotes are free.
About Grand Terrace, California
Grand Terrace is a small incorporated city in San Bernardino County, in the Inland Empire. It covers about 3.5 square miles and has around 13,000 residents. Neighbors include Colton about 2 miles away, Loma Linda about 4 miles away and Highgrove just 1 mile off.
- County
- San Bernardino County
- Population
- 13,069 (Census est.)
- Major routes
- I-215
Driving in Grand Terrace: What to Know
Most people here drive themselves to work, about 78% compared with 67% statewide, so a personal car matters for daily life. The average commute is about 25 minutes, shorter than the state average of about 29. Shorter trips can mean lower annual mileage, which insurers weigh heavily under Prop 103. I-215 runs through or near the city, so liability limits and comprehensive coverage are worth a look if you use it often.
State highways through or near Grand Terrace:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Grand Terrace
The nearest DMV office is Redlands DMV at 1659 West Lugonia Ave., Redlands, CA 92374, about 6 miles away.
Nearest DMV: Redlands
1659 West Lugonia Ave., Redlands, CA 92374
About 6.4 miles from Grand Terrace
Traffic court
Superior Court of California, County of San Bernardino.
San Bernardino County court website →California Car Insurance Rules for Grand Terrace Drivers
California's minimum liability limits are 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
Grand Terrace ZIP Codes and Nearby Areas
ZIP codes in Grand Terrace:
Nearby cities and communities:
More About Grand Terrace
Grand Terrace is a small, friendly city perched on a bluff in the southwest corner of San Bernardino County, with mountain views and a close-knit feel. Some highlights:
- Views from the terrace. The city sits above the Inland Empire valley floor, so many neighborhoods look out to the San Bernardino Mountains, with snowy peaks in winter.
- A true small town. Grand Terrace became a city in 1978 and still feels like a quiet, tight-knit community of about 13,000 people, with neighbors who know each other.
- Citrus country roots. Like much of the Inland Empire, the area grew up around orange groves, and that agricultural history shaped the open, rolling landscape.
- Neighbors close by. Loma Linda, Colton and Riverside are all a short hop away, so the Mission Inn’s holiday lights and the Santa Ana River Trail are easy outings.
Grand Terrace Car Insurance FAQ
Does car theft in Grand Terrace affect my insurance?
Grand Terrace police recorded 29 vehicle thefts in 2025, a rate below the state average. Comprehensive coverage is what pays for theft, fire, flood and vandalism, so liability-only will not replace a stolen car.
Will a short commute lower my rates?
It can help, because annual mileage is one of the top factors insurers must weigh. Grand Terrace's average commute of about 25 minutes is under the state average, though your own mileage is what counts.
What if I need an SR-22?
An SR-22 is a form your insurer files with the DMV after a DUI, driving uninsured or a suspension. Not every carrier offers it, so comparing options through A1 can help you find one that does.