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How much is car insurance in San Fernando?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in San Fernando are about $9 a month more expensive than the rest of California.
On the flip side, the expected monthly payments for an auto insurance policy in San Fernando are below the national average. You can expect to pay about $15 less for your policy in San Fernando than in the rest of U.S.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't worry, we've done the work for you and broken down average rates for San Fernando to help you get a more accurate idea of what you'll be charged for your policy. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may creep back up in San Fernando.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In San Fernando, however, male and female drivers both pay, on average, $65 for their monthly policy premium.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay much less than those with infractions. Drivers in San Fernando with one accident will pay around $99 a month.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$64|
According to the first table above, the cheapest vehicles to insure in San Fernando are typically SUVs, at $51 per month.
Car owners, on the other hand, usually pay around $67 a month, while truck and van drivers can expect to pay about $60 per month to insure their car.
Vehicle age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is a few years old, you can expect to see your rates start dropping back down. In San Fernando, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$72|
On average, those who are currently married will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for San Fernando as well, where the difference is around $23 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$106|
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $8 a month more than drivers who own property in San Fernando. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in San Fernando, CA
Recent trends in car insurance for San Fernando drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In San Fernando, the rates for car insurance increased from 2016-2017, before decreasing from 2018-2020. They finished up in 2021, at $77 a month.
How does San Fernando compare to neighboring areas?
Why are car insurance rates in San Fernando different from other areas?
Car insurance companies will take into account a number of factors when they're choosing how much to charge for a policy. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:
- Rate of crime
- Rate of car accidents
- Number of drivers in the area
- Off-street parking availability
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 San Fernando?
While knowing 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.
Luckily, Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering coverage in San Fernando.
San Fernando Insurance FAQs
What factors affect car insurance quotes in San Fernando?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in San Fernando different from other neighboring cities?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in San Fernando?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to San Fernando?
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 point, no matter how much time is left on your current policy. If you're thinking about moving to San Fernando or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.