Lexington Hills drivers face some of the longest commutes in Santa Clara County, so comparing car insurance quotes is a smart first step.
How Much Does Car Insurance Cost in Lexington Hills?
Commutes here average about 36 minutes, well above the state average of 29, and annual mileage is one of the main factors California insurers must weigh. Vehicle theft across Santa Clara County runs about 3.7 per thousand people, a bit above the state figure of 3.2, which can also nudge prices.
| Factor | Lexington Hills | California |
|---|---|---|
| Average commute | 36 min | 29 min |
| Homes with 2+ cars | 83% | 63% |
| Car thefts per 1,000 (Santa Clara County) | 3.7 | 3.2 |
| ZIP codes | 1 |
Why Lexington Hills Drivers Compare Quotes With A1
Each carrier weighs mileage, experience and driving record a little differently, so the same long-commute driver can see quite different prices. A1 is independent and compares quotes from several California carriers, so you can see those differences in one request.
About Lexington Hills, California
Lexington Hills is a small mountain community of about 2,800 people spread over roughly 4.7 square miles, sitting at around 1,250 feet. It is unincorporated, so the county sheriff handles policing and the CHP patrols the highways. Most households have room for more than one car, with about 83% owning two or more vehicles.
- County
- Santa Clara County
- Population
- 2,777 (Census est.)
- Major routes
- SR-17, SR-35
Driving in Lexington Hills: What to Know
Lexington Hills ranks second out of 24 places in Santa Clara County for commute length, at about 36 minutes on average. About 59% of workers drive alone, and only about 3% take public transit, so most people depend on their own car. State Routes 17 and 35 run through or near the area, and both are key routes for getting to work. With that much time on the road, it pays to check that your liability limits and collision coverage fit how much you really drive.
State highways through or near Lexington Hills:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Lexington Hills
The nearest DMV office is Los Gatos DMV at 600 North Santa Cruz Ave., about 5 miles away. That is a short trip for most residents, but booking ahead still saves you a wait.
Nearest DMV: Los Gatos
600 North Santa Cruz Ave., Los Gatos, CA 95030
About 5.2 miles from Lexington Hills
California Car Insurance Rules for Lexington Hills Drivers
Because mileage is a heavy factor under Prop 103, an accurate estimate of your yearly driving matters, especially with a long commute. Working from home, as about 22% of locals do, can lower your mileage, so tell your insurer if your routine changes.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Lexington Hills ZIP Codes and Nearby Areas
ZIP codes in Lexington Hills:
Nearby cities and communities:
More About Lexington Hills
Lexington Hills sits tucked into the redwood-covered Santa Cruz Mountains above Los Gatos, a quiet unincorporated community where forest, water and mountain views are part of daily life. Worth checking out:
- Lexington Reservoir. The reservoir sits at the edge of the community, with a lake, a shoreline trail and good spots for fishing, birdwatching and quiet walks when water levels allow.
- Redwood forest living. Tall trees, winding mountain roads and a rural feel make this a peaceful retreat just minutes from the Silicon Valley bustle.
- Santa Cruz Mountains trails. Open space preserves and parks nearby, such as Sierra Azul Open Space Preserve, offer hiking, mountain biking and big views over the South Bay.
- Wine country next door. The Santa Cruz Mountains wine region surrounds the area, with small family-run tasting rooms along the ridgelines and canyons.
Lexington Hills Car Insurance FAQ
Does my long commute raise my insurance rate?
It can, because annual mileage is one of the top factors California insurers must weigh. Commutes here average about 36 minutes, so report your mileage accurately and compare quotes.
I work from home some days. Should I tell my insurer?
Yes. About 22% of workers here work from home, and fewer commuting days can mean fewer miles and a lower rate. Let your quote reflect your real driving.
Is car theft something I should worry about in Lexington Hills?
Countywide theft is about 3.7 per thousand people, a little above the state average of 3.2. Comprehensive coverage pays for theft, fire, flood and vandalism, while liability-only does not cover your own car.