Swerdoski was driving north on Highway 101 just south of San Diego Way in Atascadero at about 4:35 a.m. when, for reasons still unknown, she traveled off the east side of the road and onto an ascending dirt embankment, according to a CHP news release.
The 1991 Toyota Camry she was driving veered back onto the highway but Swerdoski reportedly over-corrected and lost control of the vehicle, becoming airborne and striking a freeway sign and an oak tree.
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She was pronounced dead at the scene. Officials say she was not wearing a seat belt.
An investigation into the crash remained ongoing Thursday and it is not yet known if drugs or alcohol intoxication played a role.