Table of contents
How much is car insurance in West Hills?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in West Hills is about $50 a month more expensive than the rest of California.
Likewise, the expected monthly payments for an auto insurance policy in West Hills are above the national average. The cost of auto coverage in West Hills is about $26 more expensive than the national average.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for West Hills and broken down the different factors to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. You may see your rates begin to increase again once you hit retirement age in West Hills.
Average Car Insurance Rates by Gender
While women typically pay less than men do for auto insurance, West Hills bucks this trend. Female drivers typically pay around $43 more per month for car insurance than their male counterparts.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. The rate for drivers in West Hills with a single accident on their record is about $155 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $130.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$151|
|15 Years or Older||$87|
The cheapest vehicles to insure in West Hills are typically trucks and vans, with each type typically costing about $64 per month.
SUV drivers will see rates of about $75 to insure their vehicle, while car owners usually pay around $111 a month.
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. Once your car is a few years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in West Hills are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$115|
Generally, people who are married will pay slightly less for car insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in West Hills can be as much as $47 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$106|
Another factor that comes into play is your housing situation. Renters can expect to pay around $49 a month more than homeowners in West Hills. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.
Car Insurance Companies in West Hills, CA
Recent trends in car insurance for West Hills drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
The cost of auto insurance in West Hills rose from 2016-2017, before steadying out in 2018. Car insurance rates have been increasing again recently, and rose to $146 in 2021.
How does West Hills compare to neighboring areas?
Why are car insurance rates in West Hills different from other areas?
When considering how much to charge for coverage, car insurance companies will review numerous factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Amount of off-street parking
- Total number of drivers
- Area crime rates
- Local laws
- General road safety (how many accidents each locality has)
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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 West Hills?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Luckily, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer auto coverage in West Hills.
West Hills Insurance FAQs
What factors affect car insurance quotes in West Hills?
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 West Hills different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in West Hills?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to West Hills?
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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to West Hills or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?