Highlands drivers in San Mateo County can compare free car insurance quotes from several California carriers, whether you work from home or still commute.
How Much Does Car Insurance Cost in Highlands?
Prices here depend heavily on your driving record, yearly mileage and years of experience, plus optional factors like your 94402 ZIP code and vehicle. Vehicle theft is low, at about 1.4 per thousand people across San Mateo County compared with 3.2 statewide, which can help keep comprehensive coverage affordable.
| Factor | Highlands | California |
|---|---|---|
| Average commute | 26 min | 29 min |
| Homes with 2+ cars | 84% | 63% |
| Car thefts per 1,000 (San Mateo County) | 1.4 | 3.2 |
| ZIP codes | 1 |
Why Highlands Drivers Compare Quotes With A1
Each carrier weighs the same factors a little differently, so the same driver can see quite different prices from one company to the next. A1 is an independent agency that compares several carriers for you, and you can request a quote by phone, text or the online form.
About Highlands, California
Highlands is a small community of about 2,500 people packed into just 1.3 square miles. It is policed by the county sheriff, with the CHP handling nearby highways. Neighbors like Baywood Park, Hillsborough, Belmont and San Mateo are all within a few miles.
- County
- San Mateo County
- Population
- 2,535 (Census est.)
- Major routes
- I-280, SR-35, SR-92
Driving in Highlands: What to Know
About 34% of workers here work from home, more than double the state rate of 15%. That can mean fewer commuting miles, which matters because annual mileage is a major rating factor. Those who do commute average about 26 minutes, a bit under the state's 29, and I-280, SR-35 and SR-92 are close by. With 84% of households owning two or more vehicles, many families insure several cars, so it is worth asking about multi-car pricing.
State highways through or near 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 Highlands
The nearest DMV office is San Mateo DMV at 425 North Amphlett Blvd., about 4 miles away. That is a short drive, so in-person visits for registration or license needs are easy to fit into a day.
Nearest DMV: San Mateo
425 North Amphlett Blvd., San Mateo, CA 94401
About 4.2 miles from Highlands
California Car Insurance Rules for Highlands Drivers
If you work from home or drive little, tell your insurer your real annual mileage, since it is one of the most heavily weighted rating factors. A clean record may also qualify you for the Good Driver Discount of at least 20%.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Highlands ZIP Codes and Nearby Areas
ZIP codes in Highlands:
Nearby cities and communities:
More About Highlands
Highlands, an unincorporated community in San Mateo County, sits on the hills above the Bay with redwood-dotted slopes and a quiet, neighborly feel. A few local favorites:
- Crystal Springs Reservoir. Right next door, the long, blue reservoir is part of the Peninsula's water system, and its protected shoreline makes a scenic backdrop for the whole area.
- Crystal Springs Regional Trail. This paved, multi-use trail runs along the reservoir's edge, popular with walkers, runners and cyclists looking for open views away from the traffic.
- Sawyer Camp Trail. One of the Peninsula's best-loved paths, it winds through oaks, bay laurels and quiet valley scenery, and it's a short trip from the neighborhood.
- Close to everything. Highlands sits between San Mateo and Millbrae, so the Bay shoreline, downtown shops and restaurants, and San Francisco are all an easy outing away.
Highlands Car Insurance FAQ
Does working from home lower my car insurance in Highlands?
It can, because insurers weigh annual mileage heavily and remote workers often drive less. Be accurate about your mileage when you request quotes.
How does car theft in Highlands affect my insurance quote?
Theft is fairly low, at about 1.4 per thousand across San Mateo County against 3.2 statewide. Comprehensive coverage is still worth considering, since it also covers fire, flood and vandalism.
Can I insure several household vehicles together?
Many Highlands households have two or more vehicles, about 84% of them, so it is a common need. Ask A1 to compare carriers on multi-car pricing when you request your free quote.