Hillsborough drivers can compare car insurance quotes from multiple California carriers, and with 3 vehicle thefts reported in 2025, a clean local record is worth protecting.
How Much Does Car Insurance Cost in Hillsborough?
Hillsborough's theft rate is about 0.3 per thousand people, far below the state average of 3.2, which can work in a driver's favor on the comprehensive side. Under Prop 103, though, your driving record, annual mileage and years of experience count most, so how much you drive matters more than where you park.
| Factor | Hillsborough | California |
|---|---|---|
| Average commute | 28 min | 29 min |
| Homes with 2+ cars | 85% | 63% |
| Car thefts per 1,000 | 0.3 | 3.2 |
| ZIP codes | 1 |
Why Hillsborough Drivers Compare Quotes With A1
Most households here own more than one car, so a multi-vehicle policy can look very different from one carrier to the next. An independent broker like A1 compares quotes from several California carriers at once, so you don't have to chase each one yourself.
About Hillsborough, California
Hillsborough is an incorporated town in San Mateo County, with about 11,100 residents spread across roughly 6 square miles in the San Francisco Bay Area. It sits at about 322 feet of elevation and uses the ZIP code 94010. Burlingame and Baywood Park are about 2 miles away, and San Mateo is about 3 miles off.
- County
- San Mateo County
- Population
- 11,122 (Census est.)
- Major routes
- I-280, SR-82, SR-92
Driving in Hillsborough: What to Know
The average commute here is about 28 minutes, a bit under the state average of 29. Only about 56% of workers drive alone, compared with 67% statewide, and about 33% work from home, roughly double the state share. About 85% of households have two or more vehicles, so many families have several drivers and cars to cover on one policy. I-280, SR-82 and SR-92 run through or near town, so highway miles can add up quickly, and mileage is one of the top rating factors.
State highways through or near Hillsborough:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Hillsborough
The nearest DMV office is San Mateo DMV at 425 North Amphlett Blvd., San Mateo, CA 94401, about 2.4 miles away.
Nearest DMV: San Mateo
425 North Amphlett Blvd., San Mateo, CA 94401
About 2.4 miles from Hillsborough
California Car Insurance Rules for Hillsborough 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 insurers can't use your credit score or gender to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Hillsborough ZIP Codes and Nearby Areas
ZIP codes in Hillsborough:
Nearby cities and communities:
More About Hillsborough
Hillsborough is a leafy hillside town on the San Francisco Peninsula, known for winding lanes, big old trees and a peaceful, country feel just minutes from the bay. Where to start:
- Carolands Chateau. This grand French-style mansion is one of the Peninsula's most famous landmarks, a showpiece of the era when wealthy San Franciscans built country estates here.
- Quiet, tree-lined streets. The town is almost entirely residential, with no commercial downtown, so a stroll or bike ride means shady lanes, mature oaks and hillside views.
- Burlingame Avenue next door. For coffee, boutiques and dinner, locals head to Burlingame's charming shopping street, just down the hill from town.
- Sawyer Camp Trail. Nearby in the
Hillsborough Car Insurance FAQ
Does Hillsborough's low theft rate lower my insurance?
It may help, since only 3 vehicle thefts were reported by Hillsborough police in 2025. Your driving record, mileage and experience still count most, so compare quotes to see the real effect.
Does working from home change my car insurance?
It can, because annual mileage is a major rating factor under Prop 103. About 33% of Hillsborough workers work from home, so if you drive less, tell your carrier and compare quotes.
Is liability-only enough for my car?
Liability-only meets the state minimum, but it does not cover your own car. Comprehensive coverage pays for theft, fire, flood and vandalism, so it is worth considering for a newer or more valuable vehicle.