Montgomery Creek drivers face a longer-than-average commute, so it pays to compare car insurance quotes from several California carriers.
How Much Does Car Insurance Cost in Montgomery Creek?
Long drives matter here, since the average commute is about 33 minutes against a state average of 29, and annual mileage is one of the top factors in your rate. Vehicle theft is low in Shasta County at 1.4 per thousand people, compared with 3.2 statewide, which can help keep some costs down.
| Factor | Montgomery Creek | California |
|---|---|---|
| Average commute | 33 min | 29 min |
| Homes with 2+ cars | 73% | 63% |
| Car thefts per 1,000 (Shasta County) | 1.4 | 3.2 |
| ZIP codes | 2 |
Why Montgomery Creek Drivers Compare Quotes With A1
Every carrier weighs mileage, experience and driving record a little differently, so the same driver can see different prices from company to company. A1 is independent and compares quotes from several California carriers, and you can request yours free by phone, text or the form.
About Montgomery Creek, California
Montgomery Creek is a small unincorporated community of about 227 people in the Shasta Cascade region of Shasta County. It sits at roughly 2,133 feet in elevation and covers about 3 square miles. Round Mountain is the closest neighbor at 3 miles, and Burney is about 13 miles away.
- County
- Shasta County
- Population
- 227 (Census est.)
- Major routes
- SR-299
Driving in Montgomery Creek: What to Know
Most residents drive alone, about 77% compared with 67% across California, and only 2% use public transit. Around 73% of households own two or more vehicles, so many families insure more than one car. SR-299 is the main state highway nearby, and CHP patrols it while the county sheriff covers local roads. Because commutes run long, pay attention to how many miles you report, and make sure your coverage fits daily highway time.
State highways through or near Montgomery Creek:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Montgomery Creek
The nearest DMV office is Fall River Mills DMV at 43467 Highway 299 East, about 28 miles away. That is a real trip from Montgomery Creek, so plan the visit and check whether your task can be done online first.
Nearest DMV: Fall River Mills
43467 Highway 299 East, Fall River Mills, CA 96028
About 28.5 miles from Montgomery Creek
California Car Insurance Rules for Montgomery Creek Drivers
With long commutes, mileage is one of the most heavily weighted rating factors, so an accurate annual figure can matter for your price. If you have a clean record, ask about the Good Driver Discount, which must be at least 20% for those who qualify.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Montgomery Creek ZIP Codes and Nearby Areas
ZIP codes in Montgomery Creek:
Nearby cities and communities:
Montgomery Creek Car Insurance FAQ
Does my long commute raise my insurance rate in Montgomery Creek?
It can, because annual mileage is one of the main factors California insurers must weigh. The average commute here is about 33 minutes, so report your mileage honestly and compare carriers to see who rates it best.
Is comprehensive coverage worth it in insurance around here given local theft?
Less than in most of the state. Shasta County had 1.4 thefts per thousand people in 2025, against 3.2 statewide, though comprehensive still covers theft, fire, flood and vandalism if you want protection for your own car.
How far do I have to go to reach a DMV office?
The Fall River Mills DMV is about 28 miles from Montgomery Creek. Since it is a longer drive, bring all your documents and confirm what you can handle online before you go.