Loma Mar drivers can compare car insurance quotes from several California carriers, and every household here has at least one vehicle.
How Much Does Car Insurance Cost in Loma Mar?
Nearly every household in Loma Mar has two or more vehicles, about 90% compared with 63% statewide, so many families insure more than one car. Vehicle theft in San Mateo County is low at 1.4 per thousand people against a state average of 3.2, which can help keep comprehensive costs in check.
| Factor | Loma Mar | California |
|---|---|---|
| Homes with 2+ cars | 90% | 63% |
| Car thefts per 1,000 (San Mateo County) | 1.4 | 3.2 |
| ZIP codes | 1 |
Why Loma Mar Drivers Compare Quotes With A1
A1 is independent and compares quotes from several California carriers, so you can see how different companies price your household's cars and driving history side by side. Quotes are free, and you can ask by phone, text or the online form.
About Loma Mar, California
Loma Mar is a small community of about 319 people spread across 1.7 square miles at 866 feet of elevation. It sits in San Mateo County, with La Honda about 4 miles away and Pescadero about 5 miles away. Policing comes from the county sheriff, and the CHP patrols the highways.
- County
- San Mateo County
- Population
- 319 (Census est.)
- Land area
- 1.7 sq mi
Driving in Loma Mar: What to Know
Almost 78% of workers here drive alone, well above the state figure of 67%, and nobody reports using public transit. Every household has a vehicle, so a car is how people get to work, school and errands. About 7% work from home, which is less than half the state rate of 16%. With few alternatives to driving, keeping solid liability limits and comprehensive coverage matters for daily life here.
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 Mar
The nearest DMV office is Redwood City DMV at 300 Brewster Ave., about 16 miles away. That is a real trip from Loma Mar, so it is worth using online services where you can and bringing all your paperwork for an in-person visit.
Nearest DMV: Redwood City
300 Brewster Ave., Redwood City, CA 94063
About 16.2 miles from Loma Mar
California Car Insurance Rules for Loma Mar Drivers
Since people here rely on driving alone and own several cars, the 30/60/15 minimum liability limits apply to every vehicle you insure, and they are only a floor. Prop 103 also puts driving record, annual mileage and years of experience first, so a clean record can qualify you for at least a 20% Good Driver Discount.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Loma Mar ZIP Codes and Nearby Areas
ZIP codes in Loma Mar:
Nearby cities and communities:
Loma Mar Car Insurance FAQ
Does owning two or more cars change my insurance options in Loma Mar?
Many households here have multiple vehicles, so it is worth asking for quotes on all of them together. A1 can compare carriers for your whole household at once.
Is comprehensive coverage worth it with low theft in San Mateo County?
Theft is low at 1.4 per thousand, but comprehensive also pays for fire, flood and vandalism, which matter in a setting like this. Liability-only will not cover your own car.
Will living in a small community like Loma Mar lower my rate?
ZIP code 94021 is an optional rating factor, while driving record, mileage and experience count most. Comparing quotes shows how each carrier weighs them for you.