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How much is car insurance in Encino?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Encino is about $18 a month more expensive than the rest of California.
Compared to the rest of the country, auto insurance in Encino is more affordable. On average, it's about $7 less to insure your vehicle in Encino than it is in the rest of the U.S.
These may be the average auto insurance rates for Encino, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
Don't sweat it however, we've broken down average rates for Encino residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement your rates may begin to go back up in Encino.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. While male drivers actually pay a bit less than female drivers on their monthly insurance rates, the difference in Encino is only about $1 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Encino with a single accident will pay around $88 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $84.
Accidents, tickets, and other driving infractions can really hurt your wallet. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$83|
|15 Years or Older||$66|
As you can see in the first table above, the cheapest vehicles to insure in Encino are by and large trucks and vans, which run about $67 per month.
SUV drivers will see rates of about $76 to insure their vehicle, while car owners usually pay around $75 per month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is close to 5 years old. In Encino, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$77|
Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
Despite the national trend of married drivers saving more than single drivers, the rates for both in Encino are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
Your housing status is another component of how insurance companies calculate your monthly rate. Those who own their own home in Encino can expect to pay around $2 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Encino, CA
Recent trends in car insurance for Encino drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Encino, auto insurance rates decreased from 2017-2018, before leveling out in 2019. Car insurance rates began decreasing again in 2020, and finished down in 2022, at $70.
How does Encino compare to neighboring areas?
Why are car insurance rates in Encino different from other areas?
Car insurance companies will take into account numerous factors when choosing how much to charge for a policy. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Road Safety (how many accidents each locality has)
- Number of drivers in the region
- Area regulations
- Crime levels
- Availability of off-street parking
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Encino?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com can handle all of this for you. Just type in your ZIP Code below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies providing policies in Encino.
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Encino Insurance FAQs
What factors affect car insurance quotes in Encino?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Encino different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Encino?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Encino?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Encino or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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