Davis drivers can compare car insurance quotes from multiple California carriers, and with theft well below the state rate, many have a good story to tell.
How Much Does Car Insurance Cost in Davis?
Prices here are shaped mostly by your driving record, annual mileage and years of experience, with ZIP code (95616 or 95618) and your vehicle as optional factors. Davis police recorded about 0.9 vehicle thefts per thousand people in 2025, compared with a state average of 3.2, which is a point in the city's favor.
| Factor | Davis | California |
|---|---|---|
| Average commute | 23 min | 29 min |
| Homes with 2+ cars | 57% | 63% |
| Car thefts per 1,000 | 0.9 | 3.2 |
| ZIP codes | 2 |
Why Davis Drivers Compare Quotes With A1
Each carrier weighs the same factors a little differently, so the same driver can see different prices from company to company. Because A1 isn’t tied to one insurer, it shops several California carriers for you, and the quote costs nothing.
About Davis, California
Davis is an incorporated city of about 66,800 people in Yolo County, in the Sacramento Valley. It covers roughly 10 square miles at an elevation of about 50 feet. Woodland is 8 miles away, and Sacramento, the nearest city over 100,000, is about 15 miles off.
- County
- Yolo County
- Population
- 66,801 (Census est.)
- Major routes
- I-80, SR-113
Driving in Davis: What to Know
The average commute in Davis is about 23 minutes, shorter than the state average of 29 and the 8th longest among 11 Yolo County places. Only about 52% of workers drive alone, well under the state figure of 67%, and about 23% work from home. Less daily driving can mean lower annual mileage, which insurers weigh heavily under Prop 103. If you use I-80 or SR-113 for longer trips, be sure your quote reflects your real mileage.
State highways through or near Davis:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Davis
The nearest DMV office is Davis DMV at 505 Pole Line Road, Davis, CA 95618, about 0.7 miles away.
Nearest DMV: Davis
505 Pole Line Road, Davis, CA 95618
About 0.7 miles from Davis
California Car Insurance Rules for Davis Drivers
California's minimum liability coverage is 30/60/15, but it does not pay for damage to your own car, so comprehensive matters if you want theft or vandalism covered. Drivers with a clean record may qualify for a Good Driver Discount of at least 20%, and credit scores can't be used to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Davis ZIP Codes and Nearby Areas
ZIP codes in Davis:
Nearby cities and communities:
More About Davis
Davis is a friendly college town in the flat farmland of Yolo County, where bikes outnumber cars at some intersections and the university shapes the rhythm of the year. Worth checking out:
- Bike town, USA. Davis added some of the country's first bike lanes in the 1960s, and cycling is still the way to get around, from campus to downtown.
- Davis Farmers Market. Saturday mornings in Central Park bring local produce, flowers, live music and kids climbing on the park's playground. It's a community gathering as much as a place to shop.
- Picnic Day. UC Davis has hosted this open house every April since 1909. Expect parades, animal demonstrations, lab tours and big crowds of students, alumni and families.
- UC Davis Arboretum. Paths wind along the old Putah Creek channel past shady trees and themed gardens, a favorite spot for a walk, a run or a quiet lunch.
Davis Car Insurance FAQ
Does living in Davis make car insurance cheaper?
Davis has a low vehicle theft rate, about 0.9 per thousand people versus 3.2 statewide, which is helpful. Your own record, mileage and experience still count most, so compare quotes to see your real price.
Will driving less help my rate?
It can, because annual mileage is one of the top factors insurers must weigh. Many Davis residents drive alone less often than the state average, so tell carriers accurately how much you drive.
Where do I go for DMV services in Davis?
The Davis DMV is at 505 Pole Line Road, about 0.7 miles from the city's center. If you need an SR-22 after a DUI, uninsured driving or a suspension, your insurer files it with the DMV.