Monument Hills drivers with short, mostly solo commutes can compare free car insurance quotes from several California carriers in one place.
How Much Does Car Insurance Cost in Monument Hills?
Commutes here average about 21 minutes, well under the state's 29, and mileage is one of the biggest rating factors under Prop 103. Vehicle theft in Yolo County ran 2.9 per thousand people in 2025, a bit under the state's 3.2, so location is not likely to push rates up sharply.
| Factor | Monument Hills | California |
|---|---|---|
| Average commute | 21 min | 29 min |
| Homes with 2+ cars | 87% | 63% |
| Car thefts per 1,000 (Yolo County) | 2.9 | 3.2 |
| ZIP codes | 1 |
Why Monument Hills Drivers Compare Quotes With A1
Carriers weigh the same driving record and mileage differently, so quotes for the same driver can vary. A1 is independent and compares several carriers for you, so you do not have to fill out each form yourself.
About Monument Hills, California
Monument Hills is a small community of about 1,500 people spread over roughly 4 square miles in the Sacramento Valley. It sits at about 135 feet of elevation, on flat farm country in Yolo County. Madison and Yolo are the closest neighbors, and Woodland is about 7 miles away.
- County
- Yolo County
- Population
- 1,500 (Census est.)
- Major routes
- SR-16
Driving in Monument Hills: What to Know
Almost everyone here drives alone, about 88 percent, and public transit is used by less than 1 percent of workers. Nearly 87 percent of households have two or more vehicles, so many families insure more than one car. That makes it worth asking about multi-car pricing when you shop. SR-16 runs near the community, and the CHP patrols it while the county sheriff covers local roads.
State highways through or near Monument 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 Monument Hills
The nearest DMV office is Woodland DMV at 825 East St., Suite 306, about 6 miles away. That is a short drive, so renewing registration or handling paperwork after a policy change should not take much of your day.
Nearest DMV: Woodland
825 East St., Suite 306, Woodland, CA 95776
About 6 miles from Monument Hills
California Car Insurance Rules for Monument Hills Drivers
Commutes are short, so low annual mileage may help your rate if you report it accurately. If your record is clean, ask about the Good Driver Discount, which must be at least 20 percent for those who qualify.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Monument Hills ZIP Codes and Nearby Areas
ZIP codes in Monument Hills:
Nearby cities and communities:
More About Monument Hills
Monument Hills is a small unincorporated community in Yolo County, set among the open farmland and big skies of the Sacramento Valley. Here's what makes the area special:
- Sacramento Valley farm country. Orchards, row crops and wide fields surround the community, with sunsets and seasonal colors that change from one month to the next.
- Capay Valley farm stops. Yolo County's Capay Valley is known for family farms, fruit stands and country roads, and it makes an easy outing for a weekend drive.
- Yolo Bypass Wildlife Area. Wetlands near Davis draw huge flocks of migrating birds each winter, so it's a favorite spot for birdwatchers and photographers.
- Davis and the state capital. Davis has its farmers market and UC Davis Arboretum, and Sacramento's Capitol and Old Sacramento are a short drive for a day out.
Monument Hills Car Insurance FAQ
Will my short commute lower my insurance rate in Monument Hills?
It can. Annual mileage is one of the top factors insurers must weigh, and a 21 minute average commute is shorter than the state's 29. Give accurate mileage when you request quotes.
Do I need extra coverage because of car theft in Yolo County?
Theft in the county was 2.9 per thousand in 2025, slightly below the state's 3.2. Comprehensive coverage still pays for theft, fire, flood and vandalism, and liability-only will not cover your own car.
Can I get quotes for several household vehicles at once?
Yes. Most homes here have two or more vehicles, so list every car and driver when you ask. A1 compares quotes from several carriers, and you can request them by phone, text or the form for free.