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How much is car insurance in San Fernando?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of California are about $9 a month cheaper than the rates drivers pay in San Fernando.
On the other hand, when compared to the national average, the cost for auto insurance in San Fernando is lower. It's around $16 less to insure your vehicle compared to the average rate for the United States as a whole.
While these are the average costs to insure your vehicle in San Fernando, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. 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 the bill you'll see each month.
We've analyzed the average rate for San Fernando and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement age, however, you may see your rates 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. While female drivers pay a little bit less than male drivers on their monthly auto coverage, the difference in San Fernando is only about $2 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. In San Fernando, drivers with one accident on their record will experience rates around $93 a month. In addition, drivers with one ticket can expect to pay around $72 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|15 Years or Older||$63|
If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in San Fernando, with drivers paying around $51 per month for auto insurance coverage.
Truck and van drivers will see rates of about $61 to insure their vehicle, while car owners usually pay around $68 a month.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old however, your rates may start to dip back down a bit. 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)||$69|
Overall, those who have settled down into marriage will pay slightly less to insure their car. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
In San Fernando, the difference in rates based on relationship status can be as much as $12 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$106|
Your living situation is another component of how insurance companies calculate your monthly rate. The average rates for both homeowners and renters in San Fernando are around $62 per month.
Bundling your home or rental insurance and auto insurance policies 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
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
Auto insurance rates in San Fernando had been decreasing from 2017-2020, but began to rise in 2021. This pattern has continued through 2022 when rates have most recently hit $106 per month.
How does San Fernando compare to neighboring areas?
Why are car insurance rates in San Fernando different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Number of drivers in the region
- Road safety
- Crime levels
- Access to off-street parking
- Area regulations
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in San Fernando?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies offering auto coverage in San Fernando.
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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 you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in San Fernando different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in San Fernando?
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 San Fernando?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 San Fernando 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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