Loma Linda drivers enjoy a short commute of about 21 minutes, so compare free quotes and make sure you only pay for the coverage you need.
How Much Does Car Insurance Cost in Loma Linda?
Prices here depend most on your driving record, yearly mileage and years of experience, and Loma Linda's short commute can help on the mileage side. Vehicle theft is a factor too, since the 2025 rate of 3.4 thefts per 1,000 people is a little above the state average of 3.2.
| Factor | Loma Linda | California |
|---|---|---|
| Average commute | 21 min | 29 min |
| Homes with 2+ cars | 55% | 63% |
| Car thefts per 1,000 | 3.4 | 3.2 |
| ZIP codes | 4 |
Why Loma Linda Drivers Compare Quotes With A1
Each carrier weighs the same factors differently, so the same Loma Linda driver can get quite different prices from company to company. As an independent broker, A1 checks prices with several California carriers in one go, at no cost to you.
About Loma Linda, California
Loma Linda is an incorporated city of about 25,000 people in San Bernardino County, in the Inland Empire. It covers roughly 9 square miles at about 1,165 feet in elevation. Grand Terrace, Colton and Highgrove are each about 4 miles away, and Redlands is about 5.
- County
- San Bernardino County
- Population
- 25,021 (Census est.)
- Major routes
- I-10
Driving in Loma Linda: What to Know
Commutes here average about 21 minutes, well under the state average of 29, and Loma Linda ranks 44th of 49 in the county for commute time. About 70% of workers drive alone, a bit above the state's 67%, and about 12% work from home. Nobody here reports commuting by public transit, so most daily trips happen in a car, and I-10 is the main state highway nearby. About 55% of households have two or more vehicles, and 7% have none, so many families have several cars to cover on a policy.
State highways through or near Loma Linda:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Loma Linda
The nearest DMV office is Redlands DMV at 1659 West Lugonia Ave., Redlands, CA 92374, about 3 miles away.
Nearest DMV: Redlands
1659 West Lugonia Ave., Redlands, CA 92374
About 2.8 miles from Loma Linda
Traffic court
Superior Court of California, County of San Bernardino.
San Bernardino County court website →California Car Insurance Rules for Loma Linda Drivers
California's minimum liability coverage is 30/60/15, which means $30,000 per injured 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 can't be used to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Loma Linda ZIP Codes and Nearby Areas
ZIP codes in Loma Linda:
Nearby cities and communities:
More About Loma Linda
Loma Linda means "beautiful hill" in Spanish, and this small Inland Empire city is known worldwide for its focus on health and longevity. Where to start:
- A Blue Zones community. Researchers identified Loma Linda as one of the world's Blue Zones, places where people live unusually long lives, thanks in part to a healthy, plant-friendly local culture.
- Loma Linda University Health. Founded by Seventh-day Adventists in 1905, the university and medical center are the heart of town. They are also known for pioneering infant heart transplants and proton therapy for cancer.
- Mountain views. On clear days the San Bernardino Mountains rise right behind town, and Big Bear and Lake Arrowhead are an easy trip up the hill.
- Next-door neighbors. Historic downtown Redlands, with its tree-lined streets, shops and the Kimberly Crest mansion, is just a few minutes east.
Loma Linda Car Insurance FAQ
Does a short commute lower my insurance in Loma Linda?
It can, because annual mileage is one of the main factors insurers must weigh. With an average commute of about 21 minutes, many local drivers log fewer miles than the typical Californian.
Should I carry comprehensive coverage here?
Comprehensive pays for theft, fire, flood and vandalism, and Loma Linda's theft rate of 3.4 per 1,000 is slightly above the state average. Liability-only will not cover your own car, so it is worth considering if your car matters to you.
Do I need to insure every car in my household?
Yes, every car you drive should be insured, and about 55% of Loma Linda households have two or more vehicles. Driving uninsured can bring a $100 to $200 fine plus penalty assessments on a first offense, and later offenses can mean impound.