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How much is car insurance in Sylmar?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of California are about $10 a month cheaper than the rates drivers pay in Sylmar.
Compared to the rest of the country, auto insurance in Sylmar is more affordable. The average monthly payment in Sylmar is about $15 less than the rate for the rest of the United States.
While these are the average car insurance rates for Sylmar, keep in mind that you could end up paying a different amount. The amount that insurance companies end up charging you is determined by a number of factors. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for Sylmar so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
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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 longer you've been on the road, the more experienced of a driver you are. That experience can snag you some serious savings when it comes to auto insurance. In this case, 18-24-year-olds pay $43 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Sylmar may see their rates climb back up once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Sylmar, however, male and female drivers both pay, on average, $66 for their monthly policy premium.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Those with clean records can expect to pay significantly less than those with infractions. In Sylmar, a driving record with one accident will usually get you a rate around $82 a month. Similarly, drivers with one ticket will typically pay around $75 on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$68|
|15 Years or Older||$67|
If you look at the first table above, the cheapest vehicles to insure in Sylmar are by and large trucks and vans, at $56 per month.
Car owners, on the other hand, usually pay around $67 per month, while SUV drivers can expect to pay about $71 a month for insurance.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Sylmar, vehicles two-to -three years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
Overall, those who are currently married will pay slightly less for auto insurance coverage. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Sylmar is about $16 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$88|
Your housing status is another component of how insurance companies calculate your monthly rate. Homeowners in Sylmar can expect to pay around $1 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Sylmar, CA
Recent trends in car insurance for Sylmar drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
Auto insurance rates in Sylmar had been decreasing from 2017-2020, before steadying out in 2021. They finished down in 2022, at $63 per month
How does Sylmar compare to neighboring areas?
Why are car insurance rates in Sylmar different from other areas?
Car insurance companies will take into account a variety of factors when figuring out how much to charge for a policy. Many factors affecting your policy are based around your home address. These factors include things like:
- Amount of drivers in the region
- Road Safety (frequency of car accidents)
- Off-street parking access
- Rate of crime
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making 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 Sylmar?
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.
Fortunately, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer policies in Sylmar.
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Sylmar Insurance FAQs
What factors affect car insurance quotes in Sylmar?
The factors that car insurance companies take into account when calculating your monthly cost 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 Sylmar different from other neighboring cities?
Things like crime rates, local laws, and parking situations, 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 Sylmar?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Sylmar?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Sylmar or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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