Winters drivers can compare car insurance quotes from multiple California carriers, and with only 2 vehicle thefts reported in 2025, this is a quiet town to insure a car in.
How Much Does Car Insurance Cost in Winters?
Winters had just 2 reported vehicle thefts in 2025, about 0.3 per thousand residents compared with a state average of 3.2, and low theft risk can help keep the comprehensive part of a premium in check. Under Prop 103, though, your driving record, annual mileage and years of experience count most, so your own history will matter more than the town's ZIP code of 95694.
| Factor | Winters | California |
|---|---|---|
| Average commute | 24 min | 29 min |
| Homes with 2+ cars | 69% | 63% |
| Car thefts per 1,000 | 0.3 | 3.2 |
| ZIP codes | 1 |
Why Winters Drivers Compare Quotes With A1
Every carrier weighs those factors a little differently, so the same Winters driver can get quite different prices from company to company. A1 is an independent broker that compares quotes from multiple California carriers, so you can see the range without calling around yourself.
About Winters, California
Winters is a small incorporated city in Yolo County, in the Sacramento Valley, with about 7,500 residents spread over roughly 3 square miles. It sits at about 135 feet above sea level. Nearby places include Allendale, Hartley, Madison, Dixon and Esparto, and Vacaville, the closest city over 100,000 people, is about 12 miles away.
- County
- Yolo County
- Population
- 7,453 (Census est.)
- Major routes
- I-505, SR-128
Driving in Winters: What to Know
The average commute here is about 24 minutes, shorter than the state average of 29 and sixth longest among the 11 places in Yolo County. About 74 percent of workers drive alone, higher than the state's 67 percent, and virtually no one uses public transit. That means most households rely on their own cars, and about 69 percent have two or more vehicles. Since I-505 and SR-128 run through or near town, think about how many miles you really drive each year, because mileage is a major rating factor.
State highways through or near Winters:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Winters
The nearest DMV office is Vacaville DMV at 621 Orange Dr., Vacaville, CA 95687, about 11 miles from Winters. Traffic tickets are handled by the Superior Court of California, County of Yolo.
Nearest DMV: Vacaville
621 Orange Dr., Vacaville, CA 95687
About 10.8 miles from Winters
California Car Insurance Rules for Winters Drivers
California's minimum liability coverage is 30/60/15, meaning $30,000 per person and $60,000 per accident for injury, plus $15,000 for property damage. Drivers with a clean record may qualify for a Good Driver Discount of at least 20 percent, and insurers cannot use your credit score or gender to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Winters ZIP Codes and Nearby Areas
ZIP codes in Winters:
Nearby cities and communities:
More About Winters
Winters is a small farm town tucked between Putah Creek and the Vaca Mountains foothills, with a friendly main street and orchards all around. Don’t miss:
- Downtown Main Street. A walkable stretch of historic brick buildings holds local restaurants, a long-running saloon, shops and tasting rooms, all just steps from each other.
- Putah Creek. The creek runs along the edge of town and is a favorite for fishing, walking and a quiet afternoon by the water, with a pretty trail and bridge in town.
- Lake Berryessa nearby. Just west of town, this big reservoir in the hills is a go-to for boating, swimming, camping and wide-open views.
- Orchard country. Winters is surrounded by almond, walnut and fruit orchards, so spring blossoms and fresh local harvests are part of everyday life.
Winters Car Insurance FAQ
Is car insurance cheaper in Winters because theft is so low?
Low theft can help, since Winters police recorded only 2 vehicle thefts in 2025. Your driving record, mileage and experience still weigh more heavily in your final price.
Does a short commute lower my premium?
It can, because annual mileage is one of the top rating factors under Prop 103. The average Winters commute is about 24 minutes, and fewer miles on the road may help your quote.
Where do I go for DMV services near Winters?
The closest office is Vacaville DMV on Orange Dr., about 11 miles away. If you need an SR-22 after a DUI, uninsured driving or a suspension, your insurer files that form with the DMV for you.