Highland drivers can compare car insurance quotes from multiple California carriers in one place, with most locals driving alone to work.
How Much Does Car Insurance Cost in Highland?
Highland's vehicle theft rate was about 2.3 per thousand residents in 2025, below the state average of 3.2, which can help keep comprehensive costs in check. Prop 103 says your driving record, annual mileage and years of experience count most, so a clean record and a short commute matter more than your ZIP code.
| Factor | Highland | California |
|---|---|---|
| Average commute | 30 min | 29 min |
| Homes with 2+ cars | 74% | 63% |
| Car thefts per 1,000 | 2.3 | 3.2 |
| ZIP codes | 2 |
Why Highland Drivers Compare Quotes With A1
Each carrier weighs those factors a little differently, so the same 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 Highland, California
Highland is an incorporated city in San Bernardino County, in the Inland Empire. About 56,690 people live across roughly 19 square miles at an elevation of about 1,300 feet. Its ZIP codes are 92346 and 92359, and Redlands, Mentone and San Bernardino are all close by.
- County
- San Bernardino County
- Population
- 56,690 (Census est.)
- Major routes
- SR-210, SR-330
Driving in Highland: What to Know
The average commute here is about 30 minutes, just above the state figure of 29 and 32nd out of 49 in the county. About 80% of workers drive alone, well above the state's 67%, so most people spend that time in their own car. Around 74% of households have two or more vehicles, which means many families insure several cars and drivers at once. SR-210 and SR-330 run through or near the city, so a regular highway commute is worth mentioning when you request a quote, since annual mileage affects your rate.
State highways through or near Highland:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Highland
The nearest DMV office is Redlands DMV at 1659 West Lugonia Ave., Redlands, CA 92374, about 4 miles away.
Nearest DMV: Redlands
1659 West Lugonia Ave., Redlands, CA 92374
About 4 miles from Highland
Traffic court
Superior Court of California, County of San Bernardino.
San Bernardino County court website →California Car Insurance Rules for Highland Drivers
California's minimum liability limits are 30/60/15, and they cover other people's injuries and property, not your own car. If you have a clean record, you may qualify for a Good Driver Discount of at least 20%, and credit scores can't be used to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Highland ZIP Codes and Nearby Areas
ZIP codes in Highland:
Nearby cities and communities:
More About Highland
Highland sits right where the San Bernardino Valley meets the foothills, so mountain views and quick escapes into the hills come with the address. Here’s what locals love:
- Foothill views. Highland backs up to the San Bernardino Mountains, and on clear days the peaks, including snowy winter ridgelines, make an easy backdrop for everyday errands and evening walks.
- Yaamava' Resort & Casino. Run by the San Manuel Band of Mission Indians on its reservation in Highland, this big resort draws visitors for dining, entertainment and gaming.
- Santa Ana River open space. The river wash along the city's edge offers wide open space for walking and birdwatching, with the mountains looming just above.
- Mountain and orchard day trips. Highway 330 heads up toward Running Springs, Lake Arrowhead and Big Bear, and the apple orchards of Oak Glen are a short drive east.
Highland Car Insurance FAQ
Does commuting from Highland raise my insurance rate?
It can, because annual mileage is one of the main factors insurers must weigh. Highland's average commute is about 30 minutes, so tell carriers your real mileage to get an accurate quote.
Do I need comprehensive coverage for theft in Highland?
Highland police recorded about 2.3 thefts per thousand residents in 2025, lower than the state average of 3.2. Comprehensive coverage still pays for theft, fire, flood and vandalism if you want protection for your own car.
Where do I go if I need to handle DMV business?
The closest office is Redlands DMV on West Lugonia Ave., about 4 miles from Highland. If you need an SR-22 after a DUI, uninsured driving or a suspension, your insurer files that form with the DMV.