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How much is car insurance in West Hills?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of California are about $48 a month cheaper than the rates drivers pay in West Hills.
If you're considering relocating to West Hills from out of state, you may want to budget a little extra for your insurance. It's about $23 more for coverage in West Hills than in the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in West Hills, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
We've done the heavy lifting for you and broken down the average rate for West Hills so that you can get a more accurate idea of what your policy will cost you. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
It makes sense that older drivers would have more experience behind the wheel. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay $79 more than drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. You may see your rates climb back up a bit once you hit retirement in West Hills.
Average Car Insurance Rates by Gender
Despite the national trend of women paying less than men for insurance coverage, in West Hills men actually pay $77 per month for coverage while women pay $120.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In West Hills, a driving record with a single accident will usually get you a rate around $155 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $79.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$151|
|15 Years or Older||$83|
The most affordable vehicles to insure in West Hills are by and large trucks and vans, which run about $72 per month.
Car owners, on the other hand, usually pay around $110 a month, while SUV drivers can expect to pay about $73 per month for auto insurance.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In West Hills, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$112|
On average, people who are married will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in West Hills can be as much as $44 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|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment in West Hills, expect to pay around $45 a month more than if you own property. Those who live with their parents, however, can expect to pay a lot more.
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 West Hills, CA
Recent trends in car insurance for West Hills drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
Car insurance rates in West Hills had been decreasing from 2017-2018, before increasing from 2019-2021. They finished down in 2022 at $72.
How does West Hills compare to neighboring areas?
Why are car insurance rates in West Hills different from other areas?
Car insurance companies will take into account many factors when they're figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:
- Regional laws
- Number of car accidents
- Off-street parking availability
- Area crime rates
- Total number of drivers in the area
Having an awareness of these factors is critical 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?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com will handle the heavy lifting for you. Just punch in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in West Hills.
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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 age and gender but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in West Hills different from other neighboring cities?
Things like crime rates, parking situations, 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 West Hills?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to West Hills 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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