Cheapest Car Insurance in Burbank (2026)

GEICO offers Burbank's lowest full coverage at $140 monthly or $1,685 annually and the cheapest minimum coverage at $65 per month. These rates apply to an adult driver with a clean record. Your age and driving history affect which insurer gives you the best rate. Compare quotes from several insurers to find your lowest premium.

California's statewide average sits at $131 monthly for full coverage, but Burbank residents pay higher costs at $210 per month. Minimum coverage follows the same pattern, with Burbank's $102 monthly rate nearly doubling the state's $61 average. 

The city's dense population creates heavier traffic and more frequent accidents, while vehicle theft rates run higher than most areas across the state. These urban challenges lead to increased claims and higher premiums for local drivers.

Read More: The cheapest car insurance in California

Your age impacts what you'll pay for car insurance in Burbank. Young drivers average $298 monthly across the top five insurers, compared to $173 for adults and $183 for seniors. This sharp difference reflects young drivers' inexperience behind the wheel and higher accident rates.

Cheapest Burbank car insurance by age:

• Young drivers: GEICO at $265 per month
• Adult drivers: GEICO at $140 per month
• Senior drivers: GEICO at $150 per month

Once drivers establish experience, age matters less for pricing. The modest $10 difference between adult and senior rates shows insurers treat experienced drivers similarly whether they're 40 or 70 years old.

Young drivers in Burbank pay the highest insurance costs, with GEICO providing the most affordable option at $265 monthly or $3,182 annually for full coverage. These drivers aged 16 to 25 pay premium rates because insurers view them as high-risk due to inexperience behind the wheel, higher accident involvement, and more frequent traffic violations. 

Across Burbank's top five insurers, young drivers average $298 monthly compared to $173 for adults, making their premiums more than double what experienced drivers pay. 

Young Burbank drivers can save $87 monthly by choosing GEICO over Progressive at $352 monthly. Adding a young driver to your family policy costs less than standalone coverage, but rates remain high through age 25.

Note: Teen drivers may have additional legal requirements and restrictions. Check with your state's Department of Motor Vehicles for specific regulations affecting young drivers.

Burbank seniors get GEICO's lowest full coverage rates at $150 monthly, making it the most affordable option at $1,799 annually. Their clean driving records and decades of experience keep premiums competitive, though some insurers raise rates for drivers over 70 due to reaction time concerns. 

Across the five cheapest providers, Burbank's seniors average $183 monthly, just $10 above the $173 that younger adults pay. Compare quotes to maximize savings. Choosing GEICO over Wawanesa Insurance at $217 monthly saves seniors $67 each month. Seniors can save more through defensive driving courses or low-mileage discounts for driving under 7,500 miles annually.

Adults between 26 and 64 get the lowest car insurance rates in Burbank because insurers view them as ideal customers who blend extensive driving experience with lower accident rates than younger and older drivers. GEICO leads with the cheapest full coverage at $140 monthly or $1,685 annually for this age group. 

Across Burbank's five most affordable insurers, adults average just $173 monthly. This is the lowest of any age category. Comparing rates saves money, as adults save $69 monthly choosing GEICO over Mercury at $209, the fifth cheapest option. Maintaining clean driving records and bundling policies can lower your rates further.

Traffic violations sharply increase insurance costs across Burbank. GEICO leads with the most affordable rates for drivers with clean records at $65 monthly, speeding tickets at $97 monthly, and DUIs at $157 monthly. 

Across the five cheapest insurers, average monthly premiums climb from $83 for clean records to $114 for speeding tickets, $123 for at-fault accidents, and $176 for DUIs. At-fault accidents push premiums higher because they prove you've caused actual property damage or injuries, marking you as a demonstrated risk. 

DUIs create the highest rate increases since they combine reckless behavior with serious legal consequences, placing you in insurers' highest-risk category and often requiring SR-22 documentation. Speeding tickets cost less because they signal risky driving without proving you've actually crashed.

The cheapest ZIP code in Burbank offers rates starting at $77 monthly, while the most expensive (ZIP 91504) reaches $245, creating a huge $168 difference across the city. See your ZIP code's rate in the table below to find your neighborhood's cost.

Burbank's most populous areas include ZIP codes 91501, 91505 and 91502, where drivers pay $213, $212 and $215 monthly for minimum coverage respectively. These rate differences stem from neighborhood factors like accident frequency, vehicle theft rates, population density and uninsured driver percentages. 

Use the filter above the table to locate your ZIP and check your area's typical rate.

Lower premiums and proper financial protection in Burbank start with knowing which discounts you qualify for.

Want to find affordable coverage in Burbank? This FAQ offers clear answers about available discounts, local requirements and policy options that fit your budget.

Burbank drivers pay some of California's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Burbank's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.