Redwood City drivers can compare car insurance quotes from multiple California carriers, and with a vehicle theft rate well under the state average, there is a lot to look at.
How Much Does Car Insurance Cost in Redwood City?
Prices here are shaped mostly by your driving record, annual mileage and years of experience, with ZIP code (94061, 94062, 94063 or 94065) and your vehicle as optional factors. Redwood City's police recorded about 1.7 vehicle thefts per thousand people in 2025, compared with a state average of about 3.2, which is a point in a driver's favor.
| Factor | Redwood City | California |
|---|---|---|
| Average commute | 25 min | 29 min |
| Homes with 2+ cars | 62% | 63% |
| Car thefts per 1,000 | 1.7 | 3.2 |
| ZIP codes | 4 |
Why Redwood City Drivers Compare Quotes With A1
Each carrier weighs those factors a little differently, so the same driver can get quite different quotes from company to company. A1 is independent, so it can line up quotes from several California carriers at once, free of charge.
About Redwood City, California
Redwood City is an incorporated city in San Mateo County, in the San Francisco Bay Area. About 82,000 people live here across roughly 19 square miles, at an elevation of about 20 feet. Neighbors like San Carlos, Atherton, Menlo Park and Belmont are all within a few miles, and San Mateo is about 6 miles away.
- County
- San Mateo County
- Population
- 82,423 (Census est.)
- Major routes
- US-101, SR-82, SR-84
Driving in Redwood City: What to Know
The average commute is about 25 minutes, shorter than the state average of 29 and the 27th longest of 32 in San Mateo County. About 58% of workers drive alone, well below the state figure of about 67%, and 24% work from home compared with roughly 16% statewide. Lower commuting time and more remote work can mean fewer miles each year, which is one of the key rating factors, so tell your insurer honestly what you drive. US-101, SR-82 and SR-84 run through or near the city, so many drivers still face busy highway stretches where good liability limits matter.
State highways through or near Redwood City:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Redwood City
The nearest DMV office is Redwood City DMV at 300 Brewster Ave., Redwood City, CA 94063, about 2 miles away.
Nearest DMV: Redwood City
300 Brewster Ave., Redwood City, CA 94063
About 1.8 miles from Redwood City
California Car Insurance Rules for Redwood City Drivers
California's minimum liability limits are 30/60/15, and many Redwood City drivers choose more than that to protect themselves in a busy area. If you have a clean record, you may qualify for a Good Driver Discount of at least 20%, and your credit score can't be used to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Redwood City ZIP Codes and Nearby Areas
ZIP codes in Redwood City:
Nearby cities and communities:
More About Redwood City
Set on the San Francisco Bay midway between the city and Silicon Valley, Redwood City is a mellow Peninsula town with a lively downtown and plenty of open space nearby. Where to start:
- Courthouse Square. The domed 1910 San Mateo County Courthouse anchors downtown and now houses the county history museum, with restaurants, theaters and shops all around it.
- Climate Best By Government Test. That's the city's longtime motto, and locals will tell you the mild, sunny Peninsula weather backs it up. It's a good excuse to eat outside.
- Bair Island. Part of the Don Edwards San Francisco Bay National Wildlife Refuge, it has flat, easy trails where you can watch shorebirds and take in wide-open bay views.
- Pulgas Water Temple. Just outside the city, this classical-style temple and long reflecting pool mark where Hetch Hetchy water from Yosemite reaches the Peninsula.
Redwood City Car Insurance FAQ
Is car insurance cheaper in Redwood City because theft is low?
Low theft can help, since Redwood City recorded about 1.7 vehicle thefts per thousand people compared with about 3.2 statewide. Still, your driving record, mileage and experience count most, so compare quotes to see your own price.
Does working from home lower my premium?
It can, if it cuts your annual mileage, which is a major rating factor under Prop 103. About 24% of Redwood City workers work from home, so many drivers here may have a reason to report lower mileage.
Do I need comprehensive coverage in Redwood City?
Comprehensive pays for theft, fire, flood and vandalism, while liability-only does not cover your own car. Theft is lower here than the state average, but if you would struggle to replace your car, comprehensive is worth pricing out.