Table of contents
How much is car insurance in Reseda?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $25 a month more expensive to insure your vehicle in Reseda than it is in the rest of California.
Drivers relocating the Reseda should take note of the differences in average rates. It's around $1 more expensive for coverage in Reseda than the average rates seen in the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Reseda, you could end up paying something different. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
We've done the heavy lifting for you and broken down the average rate for Reseda so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates rise again once you hit retirement age in Reseda.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. This is true in Reseda, where women pay around $11 less per month. As illustrated in the table above, female drivers in the area pay about $74 on average, while male drivers pay around $85 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a huge impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Reseda with one accident will pay around $86 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $182.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$90|
|15 Years or Older||$77|
In terms of affordable coverage, the cheapest vehicles to insure in Reseda are by and large SUVs, at $72 per month.
Car owners, on the other hand, typically pay around $83 a month, while truck and van drivers can expect to pay about $79 per month for car insurance coverage.
The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. The most expensive vehicles to insure in Reseda are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$86|
Generally speaking, those who are currently married will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
The difference in rates based on relationship status in Reseda can be as much as $15 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$131|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $1 less than homeowners in Reseda. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Reseda, CA
Recent trends in car insurance for Reseda drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The rates for auto insurance in Reseda rose from 2016-2018, when they hit a high of $95. This pattern leveled out in 2019, when they began to decrease, and have continued to do so through the present, where car insurance rates finished at $64 a month.
How does Reseda compare to neighboring areas?
Why are car insurance rates in Reseda different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Access to off-street parking
- Local crime rates
- Total amount of drivers in the area
- Road Safety (frequency of car accidents)
- Area regulations
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. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Reseda?
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.
Don't worry, Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies providing plans in Reseda.
Reseda Insurance FAQs
What factors affect car insurance quotes in Reseda?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Reseda different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Reseda?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Reseda?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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 Reseda 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.