Colma drivers can compare free car insurance quotes from several California carriers, whether you commute 29 minutes or work from home.
How Much Does Car Insurance Cost in Colma?
Colma's vehicle theft rate was about 4.9 per thousand residents in 2025, above the state average of 3.2, which can push comprehensive costs up. Your driving record, annual mileage and years of experience count most, while ZIP code 94014 is only an optional factor.
| Factor | Colma | California |
|---|---|---|
| Average commute | 29 min | 29 min |
| Homes with 2+ cars | 59% | 63% |
| Car thefts per 1,000 | 4.9 | 3.2 |
| ZIP codes | 1 |
Why Colma Drivers Compare Quotes With A1
Carriers weigh the same details differently, so the same Colma driver can see quite different prices from one company to the next. An independent agency that compares several carriers saves you from filling out quote forms one at a time.
About Colma, California
Colma is a small town of about 1,441 people on just 1.9 square miles, sitting at 121 feet in the San Francisco Bay Area. Daly City is its closest neighbor at about a mile, with Broadmoor, San Bruno, Brisbane and South San Francisco all within a few miles. Roughly 22% of workers here work from home, well above the state figure of about 16%.
- County
- San Mateo County
- Population
- 1,441 (Census est.)
- Major routes
- I-280, SR-1, SR-82
Driving in Colma: What to Know
The average commute is about 29 minutes, right at the state average and tenth longest among 32 places in San Mateo County. Only about 52% of workers drive alone, compared with 67% statewide, and almost 10% ride public transit. I-280, SR-1 and SR-82 run through or near town, so many drivers mix freeway and local trips. About 8% of households have no vehicle, and 59% have two or more, so lots of cars share tight streets. Mileage is a rating factor, so if you work from home or take transit often, tell your quoter.
State highways through or near Colma:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Colma
The nearest DMV office is Daly City DMV at 1500 Sullivan Avenue, only about 1.4 miles away. That short trip makes in-person visits for registration or license needs easy to fit into a day.
Nearest DMV: Daly City
1500 Sullivan Avenue, Daly City, CA 94015
About 1.4 miles from Colma
California Car Insurance Rules for Colma Drivers
With theft above the state average, comprehensive coverage deserves a close look, since liability-only does not pay if your own car is stolen or vandalized. Low annual mileage from remote work or transit use can also help your rate, because mileage is one of the main factors by law.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Colma ZIP Codes and Nearby Areas
ZIP codes in Colma:
Nearby cities and communities:
More About Colma
Colma is a tiny town just south of San Francisco with a famously quiet claim to fame, and its history is more interesting than you might expect. Here's what to know:
- The "City of Souls". Colma was incorporated in 1924, and its cemeteries hold far more residents than the town has living ones. Its motto, "It's great to be alive in Colma," shows the locals' sense of humor.
- Historic cemeteries. Many notable figures are buried here, including Wyatt Earp, Levi Strauss and William Randolph Hearst. Wandering the grounds is a quiet way to take in Bay Area history.
- Why the cemeteries are here. After San Francisco restricted burials within city limits around the turn of the 20th century, Colma became the place to relocate and lay people to rest. That is how the town took shape.
- Close to the coast and the city. Downtown San Francisco and the Pacific shoreline at Pacifica are both about a 15 to 20 minute drive, so Colma works well as a quiet base.
Colma Car Insurance FAQ
How does car theft in insurance in Colma affect my insurance quote?
Colma police recorded 7 vehicle thefts in 2025, about 4.9 per thousand residents, above the state average of 3.2. Comprehensive coverage pays for theft, fire, flood and vandalism, so it is worth pricing.
Does working from home lower my Colma car insurance?
It can, because annual mileage is one of the top factors insurers must weigh. About 22% of Colma workers work from home, so many drivers here may qualify for lower mileage estimates.
Is 30/60/15 enough coverage for me?
That is the California minimum: $30,000 per person, $60,000 per accident and $15,000 for property damage. It does not cover your own car, so many drivers on busy Bay Area roads ask for quotes with higher limits too.